Property Loan
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Comparison for Home Loan Rate in Singapore 2023
Check out the updated rates based on our data as of 31 Jan 2024.
2 Year Fixed
2.95%
2 Year Lock In Period
- One free conversion after lock in
- Legal and valuation subsidy for refinancing
Year 1: 3.15% Fixed
Year 2: 3.15% Fixed
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
Legal subsidy:
Loan amount above 500K – 0.4% of loan amount, capped at $1,800
Valuation subsidy:
Loan amount above 500K – $350
Loan amount above 1.0M – $500
2 Year Fixed (Citigold)
3.2%
1 Year Lock In Period
- 2 year lock-in
- Legal and valuation subsidy for refinancing
Year 1: 3.15% Fixed
Year 2: 3.15% Fixed
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
Legal subsidy:
Loan amount above 500K – 0.4% of loan amount, capped at $1,800
Valuation subsidy:
Loan amount above 500K – $350
Loan amount above 1.0M – $500
3 Year Fixed
3.75%
2 Year Lock In Period
- One free conversion after 12 months
- Cash rebate for refinancing
Year 1: 3.30% Fixed
Year 2: 3.30% Fixed
Thereafter: 3M SORA + 1.00%
Private loan amount above 500K – $2,000
Private loan amount above 1.0M – $2,500
Private loan amount above 1.5M – $2,800
HDB loan amount above 250K – $2,000
FD Linked Rate
4.00%
2 Year Lock In Period
- One free conversion after 12 months
- Cash rebate for refinancing
Year 1: 3.30% Fixed
Year 2: 3.30% Fixed
Thereafter: 3M SORA + 1.00%
Private loan amount above 500K – $2,000
Private loan amount above 1.0M – $2,500
Private loan amount above 1.5M – $2,800
HDB loan amount above 250K – $2,000
3M SORA
4.15%
2 Year Lock In Period
- One free conversion after lock in
- Cash rebate for refinancing
Year 1: 4.35% 3M SORA + 0.65%
Year 2: 4.35% 3M SORA + 0.65%
Year 3: 4.5% 3M SORA + 0.8%
Thereafter: 4.7% 3M SORA + 1.00%
50% waiver due to sales and refund of another 50% if client takes the same or higher loan amount within 6 months
Cash rebate for refinancing only
Private loan amount above 450K – $2,200
HDB loan amount above 300K – $2,000
3 Year Fixed
3.05%
3 Year Lock In Period
- One free conversion after lock in
- No need to pay bank's fire insurance for MCST property
Year 1: 3.35% Fixed
Year 2: 3.35% Fixed
Year 3: 3.35% Fixed
Thereafter: 3M SORA + 1.00%
50% waiver due to sales and refund of another 50% if client takes the same or higher loan amount within 6 months
Cash rebate for refinancing only
Private loan amount above 450K – $2,200
HDB loan amount above 300K – $2,000
2 Year Fixed
2.98%
2 Year Lock In Period
- One free conversion after lock in
- Cash rebate for refinancing
Year 1: 4.35% 3M SORA + 0.65%
Year 2: 4.35% 3M SORA + 0.65%
Year 3: 4.5% 3M SORA + 0.8%
Thereafter: 4.7% 3M SORA + 1.00%
50% waiver due to sales and refund of another 50% if client takes the same or higher loan amount within 6 months
Cash rebate for refinancing only
Private loan amount above 450K – $2,200
HDB loan amount above 300K – $2,000
1 Month SORA
4.17%
2 Year Lock In Period
- Up to 50% partial payment is allowed during lock-in
- One free conversion after 12 months
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
– One free conversion after lock in
– Cash rebate for refinancing only
Private loan amount above 450K – $2,200
Private loan amount below 450K – 0.4% of loan amount (legal subsidy)
HDB loan amount above 300K – $2,000
HDB loan amount below 300K – 0.4% of loan amount (legal subsidy)
2 Year Fixed
3.2%
2 Year Lock In Period
- One free conversion after 12 months
- Legal subsidy for refinancing only
Year 1: 4.35% 3M SORA + 0.65%
Year 2: 4.35% 3M SORA + 0.65%
Year 3: 4.5% 3M SORA + 0.8%
Thereafter: 4.7% 3M SORA + 1.00%
50% waiver due to sales and refund of another 50% if client takes the same or higher loan amount within 6 months
Cash rebate for refinancing only
Private loan amount above 450K – $2,200
HDB loan amount above 300K – $2,000
2 Year Fixed
3.15%
2 Year Lock In Period
- One time free conversion after lock in
- Legal subsidy for refinancing only
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
– One free conversion after lock in
– Cash rebate for refinancing only
Private loan amount above 450K – $2,200
Private loan amount below 450K – 0.4% of loan amount (legal subsidy)
HDB loan amount above 300K – $2,000
HDB loan amount below 300K – 0.4% of loan amount (legal subsidy)
Commercial Property Loan
Check out the lowest interest rates now to finance your commercial property.
4.64%
2-year fixed rate
- Local bank
- Valuation subsidy
- 50% shopping vouchers rebate on facility fee
3.78%
2-year fixed rate
- Foreign bank
- Legal subsidy
- Valuation subsidy
- No annual fee required
4.18%
3-year fixed rate
- Local bank
- Legal sunbsidy
- Valuation subsidy
Talk to us today to unlock maximum value of your loan
No fees or commitment is required. We monitor 16 banks in Singapore for the best rates to provide you with the best options available.
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