DBS Home Loan
DBS Mortgage offers DBS home loan packages for both HDBs and private properties. DBS home loan rates are pegged to the bank's fixed deposit interest rates, and are capped at 1.5% for a floating mortgage loan package, and 1.3% for a fixed interest loan package. DBS has mortgage and home loan calculators that you can use online for free.

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DBS Private Property Home Loan
DBS Private Property Home Loan Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
DBS 3 Year Fixed Rate | Fixed | 1.50% | 3 years | 1 Free Conversion |
DBS 2 Year Fixed Rate | Fixed | 1.50% | 2 years | 1 Free Conversion |
DBS FHR Package | Floating | 1.60% | 1 year |
DBS Building Under Construction (BUC) Home Loan
You can use our Progressive Payment Calculator to find out how much you need to pay at each stage of construction.
DBS Building Under Construction Home Loan Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
DBS FHR Package | Floating | 1.35% | 0 years | 2 Free Conversions |
DBS FHR Package | Floating | 1.50% | 0 years | 1 Free Conversion |
DBS HDB Home Loan
DBS HDB Home Loan Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
DBS Fixed Rate Package | Fixed | 1.50% | 3 years | |
DBS Fixed Rate Package | Fixed | 1.50% | 5 years | Longest Fixed Rate Plan |
DBS FHR Package | Floating | 1.60% | 1 year |
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Documents Required for DBS Home Loan
- DBS application form
- NRIC
- Option to Purchase
- Proof of income
- HDB flat info & Financial info value confirmed by HDB
How to apply for your DBS Home Loan



DBS Home Loan Application Process and Fees
Step 1Submit your documents through us
Before you get too excited about getting your own home, make sure that your documents are complete and correct. Then leave everything to us and we’ll get the ball rolling.
Step 2Compare and be informed
Sit back, relax and compare. We’ll give you a comprehensive list of home loan packages that you can choose from. Our team of Mortgage Specialists will advise you on the next steps upon receiving the Letter of Offer from the bank.
Step 3Fees and charges
If you decide to cancel the loan after signing the Letter of Offer, you’ll be required to pay 0.75% of the undisbursed loan amount.
Why Get Your Home Loan Through Us?
Simple, fast, convenient
Leave your home loan research to us and we’ll break it down for you in simple terms. Our Mortgage Specialist will contact you directly so you can save time for other important things in life.
Get better deals
Feeling so spoilt for choice you can't decide? Settling for the first option is like being forced to marry the first person you come across on a dating app. Don’t feel pressured. We compare across all banks in Singapore to ensure that you get the best deals.
It's free!
Our service to you is free. But, of course we’re not doing this for charity! All banks pay us a standard referral fee for our services and our awesome job done. We don’t take sides or give biased advice.
Vouchers
Get up to S$500 Grad Food/Ride Vouchers when you apply for your Home Loan through us.


Receive up to $500 worth of Grab Food/Ride vouchers when youapply for a home loan with us!
Learn More
DBS Home Loan Singapore Review 2019 — Which Mortgage to Choose?
Best Home Loans in Singapore (2020) — How to Pick the Best Mortgage for Your Property
How to Refinance Your Home Loan in Singapore & Save Money on Your Mortgage
Frequently Asked Questions
How do I repay my DBS Home Loan?
- You may use cash, CPF savings, or cash and CPF (if you have insufficient funds to cover the monthly instalments in full). Do note that if you decide to use your CPF, your acting lawyer must seek approval from the CPF Board first.
How do I calculate my DBS Home Loan monthly payment?
- All you have to do is fill in your desired loan amount, interest rate and loan tenure in our Mortgage Calculator to find out how much you need to pay.
What happens if I pay my loan off early?
- If you intend to pay off your loan early, you must give a 3-month notice. After which, your title deed will be given back to you upon discharge of your mortgage. Although, you may need to pay for penalties depending on the package you signed up for.
Can I get DBS Home Loan for an overseas property?
- Yes, DBS offers overseas property financing for properties in London and Australia at competitive interest rates.
How to do DBS Home Loan partial repayment?
- To make a partial repayment, you must submit a request 1 month in advance. You have the option to pay in cash or use your CPF savings.
Can I refinance my DBS home loan?
- Yes, you may refinance your DBS Home Loan through us. We’ll help you find the most suitable home loan, so you can save on interest rates.