UOB Home Loan
UOB home loan packages cater to all types of residential properties and address the needs of different home buyer profiles in Singapore. As one of the major local banks in town, UOB home loan packages offer attractive interest rates for private properties and HDBs – completed or uncompleted. Previously, UOB’s mortgage products were linked to fixed deposits. Now, their home loans are pegged to the prevailing board rate or SIBOR.

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UOB Private Property Home Loan
UOB Private Property Home Loan Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
UOB Fixed Rate Package | Fixed | 1.50% | 3 years | 1 Free Conversion |
UOB Fixed Rate Package | Fixed | 1.50% | 2 years | |
UOB 3-Month SIBOR | Floating | 1.53% | 2 years | 1 Free Conversion |
UOB 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.
UOB Building Under Construction Home Loan Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
UOB BUC 3-Month SIBOR | Floating | 1.33% | 0 years | 2 Free Conversions |
UOB BUC Board Rate | Floating | 1.35% | 0 years | 2 Free Conversions |
UOB HDB Home Loan
UOB HDB Home Loan Rates
NAME | RATE TYPE | YEAR 1 RATE | LOCK-IN | HIGHLIGHTS |
---|---|---|---|---|
UOB Fixed Rate | Fixed | 1.50% | 0 years | |
UOB Fixed Rate | Fixed | 1.50% | 0 years | |
UOB 3-Month SIBOR | Floating | 1.53% | 2 years | 1 Free Conversion |
UOB Board Rate | Floating | 1.55% | 2 years | 1 Free Conversion |
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Documents Required for UOB Home Loan Application
- UOB property loan application form To get started with your home loan application process, you must complete and sign the UOB property loan application form. Once duly completed, submit the form to us.
- NRIC/passport You must also submit a copy of your NRIC/passport. Make sure that the copy is clear and legible.
- Income documents Your latest computerised payslip/IT8A form will also be needed. If you’re self-employed, you must submit your tax returns for the past 2 years.
- Property-related documents You must also prepare the Option to Purchase (OTP), latest CPF statement of account (if applicable), latest CPF withdrawal statement and Option of Sale for the existing property (if applicable).
How to apply for your UOB Home Loan



UOB Home Loan Application Process and Fees
Step 1Get in touch with our mortgage team
Don’t try and figure out the best home loan package by yourself. If you can’t decide and unsure of what to do next, get in touch with our mortgage team as soon as possible. From sorting out the documents needed to clearing your doubts and answering your questions, you’ll get unbiased advice from our home loan experts.
Step 2Compare home loan packages
Looking at home loan packages can be quite overwhelming. Lucky for you, we’ve outlined a comprehensive list of the latest home loan rates in Singapore. With just a few clicks, you’ll get a simplified overview of all the home loan packages in town.
Step 3Know the other fees and charges
As part of the home loan application process, you must take into consideration the other fees and charges involved. You should buffer and set aside enough for the conveyancing fees, stamp duty and property tax.
Why You Should Apply for UOB Home Loan Through Us
Save time & effort
Live a stress-free life as we take charge of your home loan application. With the help of our mortgage team, you’ll get the proper guidance you need for a smooth journey towards securing your home loan.
Get better deals
There’s an array of home loan packages in the market. Lucky for you, it’s in our DNA to compare and assess home loan packages offered by different banks in Singapore. By doing so, we ensure that you get only the best home loan rate.
No strings attached
Reach out to us for financial advice at zero cost. Yes, our service is free of charge. We simply get a standard referral fee from banks for our services. Even so, we put our customers first and provide unbiased advice all the time.
UOB home loan promotion
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Receive up to $500 worth of Grab Food/Ride vouchers when youapply for a home loan with us!
Learn More
UOB 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
What is UOB’s mortgage rate?
- UOB mortgage loan rates used to be linked to fixed deposit rates. Currently, UOB home loan packages are pegged to the board rate or SIBOR.
How do I repay my UOB home loan?
- Once you decide to repay your UOB home loan, you have the option to use cash or CPF savings. Alternatively, if don’t have enough funds, you may use cash and your CPF savings together. If you decide to use your CPF savings, your acting lawyer must seek approval from the CPF Board first.
How do I calculate my UOB monthly repayments?
- To find out how much you need to pay on a monthly basis, simply enter your desired loan amount, interest rate and loan tenure in our Mortgage Calculator.
Can I get a UOB home loan for an overseas property?
- If you’re planning to purchase an overseas property in Australia, UK, Japan, Thailand or Malaysia, you can apply for UOB overseas property loan. However, do note that only major cities in these countries are covered.
Is fire insurance mandatory for UOB home loan?
- Generally, home buyers are not required to purchase fire insurance in Singapore.