Home Loans

Best home loan products for 2024. Apply via ValueChampion now!

DBS Mortgage

DBS's impressive lending track record and consistently low interest rates make it great option for prospective homeowners to consider for their home loans.

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DBS Mortgage


Pros

  • Individuals seeking competitive home loan interest rates
  • Borrowers seeking to refinance home loans of more than S$500,000
  • Individuals hoping to earn interest as they pay off their loan

Cons

  • Borrowers seeking to refinance a home loan of less than S$500,000
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Maybank Mortgage

Helping you finance your next private home property purchase, or refinance your current home loan.

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Maybank Mortgage


Pros

  • Borrowers seeking low first-year interest rates
  • Borrowers planning to refinance their loans every few years
  • Homeowners planning to refinance home loans of S$300,000 and above

Cons

  • Maybank does not typically provide the most competitive home loan offers, despite its low introductory interest rates.
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OCBC Mortgage

OCBC grants both floating and fixed housing loan rates for private properties and commercial residences like Condos.

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OCBC Mortgage


Pros

  • Individuals seeking competitive home loan interest rates
  • Borrowers seeking to get or refinance their home loan of at least S$300,000 for Private Properties and S$200,000 for HDB

Cons

  • Borrowers seeking to refinance home loan of less than S$300,000 for Private Properties or S$200,000 for HDB Flats
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UOB Mortgage

Manage your home loan and make the best out of it. At UOB, we are committed to help you along the way.

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UOB Mortgage


Pros

  • Individuals seeking competitive home loan interest rates
  • Borrowers seeking to refinance their home loan of at less than S$500,000

Cons

  • Borrowers seeking home loan refinancing for loans of more than S$500,000
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SBI Mortgage

We offer attractive home loan packages for HDB as well as private properties. How we can help: 3 simple steps to owning your dream home.

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SBI Mortgage


Pros

  • Individuals looking for stable interest rates
  • Individuals willing to refinance their home loan every few years
  • Borrowers seeking to refinance their existing home loan

Cons

  • Borrowers seeking home loans with the lowest total interest cost
  • Individuals seeking loans for BTO units
  • Individual with loans less than S$750,000 that are looking for a stable interest rate
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Standard Chartered Bank Mortgage

You can buy your dream home sooner when you bank with Standard Chartered. Our innovative mortgage solutions offer you fast and flexible financing.

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Standard Chartered Bank Mortgage


Pros

  • Individuals seeking home loans with low total cost of borrowing

Cons

  • Individuals seeking to refinance their home loans every few years
  • Individuals looking for a smaller home loan below S$300,000
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HSBC Mortgage

In addition to being one of the largest lenders, HSBC offers some of the most competitive interest rates for housing loans.

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HSBC Mortgage


Pros

  • Individuals seeking home loans with low total cost of borrowing
  • Borrowers seeking some of the lowest interest rates available
  • Individuals seeking an interest-offset account for their private home loan

Cons

  • Borrowers seeking to refinance loans of less than S$500,000
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Citibank Mortgage

Citibank Singapore offers mortgage loans with affordable interest rates to help you get your dream home.

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Citibank Mortgage


Pros

  • Individuals who are willing to refinance their home loan every few years
  • Borrowers seeking a interest-offset account

Cons

  • Borrowers seeking a home loan with a low total cost of borrowing
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Bank of China Mortgage

The Bank of China typically offers some of the cheapest fixed rate housing loans for private residences.

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Bank of China Mortgage


Pros

  • Individuals seeking a fixed rate home loan in order to purchase a private residence
  • Borrowers seeking fixed rate home loan refinancing for private properties

Cons

  • Individuals seeking a home loan to purchase an HDB flat
  • Individuals seeking floating rate home loans
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RHB Mortgage

RHB mortgage and refinancing loans offer fixed and floating interest rates and repayment packages, allowing Singaporean customers to personalize their home loan.

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RHB Mortgage


Pros

  • Individuals looking for a long-term loan with flexible repayment options

Cons

  • Individuals looking for the lowest interest rates
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CIMB Mortgage

Whether you're buying your first home, upgrading, investing or cashing in, CIMB has the ideal package to suit your property financing needs.

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CIMB Mortgage


Pros

  • Individuals who want to adjust their loan payment period or repay their loan early

Cons

  • Individuals looking for the cheapest loans below S$300,000
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Hong Leong Mortgage

An affordable mortgage plan with fully flexible istalments linked to your current account to reduce interest fees and maximise savings.

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Hong Leong Mortgage


Pros

  • Individuals who want one of the longest loan tenors in the market

Cons

  • Individuals looking for the cheapest home loan
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Singapura Finance Mortgage

Singapura's home loans have a higher interest rate than most, making it one of the more expensive options in the market.

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Singapura Finance Mortgage


Pros

  • Individuals looking for a 35-year long loan tenor, longer than other providers

Cons

  • Borrowers looking for the cheapest home loan
  • Individuals looking for refinancing options
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Home Loans
Home Loans

Pros and Cons of Paying Off Your Mortgage Early

by Priscilla Lee on Feb 26, 2024

Find out the pros and cons of making full payment of your mortgage loan in Singapore ahead of its schedule.

Home Loans
Home Loans

Sale of Balance Flats vs Open Booking Flats, vs BTO Flats vs Resale Flats – Which Should You Get in 2024?

by ValueChampion Editorial Team on Feb 22, 2024

Sale of Balance Flats and Open Booking Flats are two lesser-known schemes that may provide an alternative path to home ownership in Singapore.

Home Loans
Home Loans

Real Estate Investment: How to Build a Solid Property Portfolio

by ValueChampion Editorial Team on Feb 22, 2024

Real estate remains an attractive investment for beginners and seasoned investors alike. Here’s what you need to know to build your own investment property portfolio.

Home Loans
Home Loans

Buying a Resale Flat in Singapore? Here are 6 Things You Need to Check

by ValueChampion Editorial Team on Feb 22, 2024

Demand for resale flats is expected to remain heightened in the coming months. Avoid buying a resale unit that is wrong for you by checking...

Home Loans
Home Loans

How Much of Your Income Should You Spend on Housing?

by ValueChampion Editorial Team on Feb 22, 2024

Housing is one of the largest and most important expenditures for most individuals. With that said, many renters and homeowners have no idea how much...

Home Loans
Home Loans

Home Mortgage Loan Basics: How Much Can I Borrow?

by ValueChampion Editorial Team on Feb 15, 2024

We break down all the basic concepts behind home loans in Singapore so that you can be better prepared when buying your first home.

Home Loans
Home Loans

Guide to the New Measures to Help First-Timer Families Buy A HDB Flat

by ValueChampion Editorial Team on Feb 14, 2024

Wondering how the new measures to help first-time families buy a home affect you? We break down what exactly these new measures are so you...

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