{"buttonLabel":"Check Rates","productCollection":"home_loans","productId":"1","productLink":"https:\/\/www.valuechampion.sg\/home-mortgage-loans\/compare\/new","productName":"DBS"}
{"buttonLabel":"Check Rates","productCollection":"home_loans","productId":"1","productImage":"referral_logos\/sg\/banking\/dbs-1","productLink":"https:\/\/www.valuechampion.sg\/home-mortgage-loans\/compare\/new","productName":"DBS"}
DBS Mortgage Review: Is DBS Singapore's Best Home Lender?
DBS offers very competitive home loans for private and HDB residences.
DBS Mortgage Review: Is DBS Singapore's Best Home Lender?
DBS offers very competitive home loans for private and HDB residences.
ValueChampion Rating 
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
DBS is the largest bank in Singapore and tends to offer some of the mortgage rates. Borrowers should consider DBS's housing loans due to its strong experience as a major lender in the country. It is also a great option for borrowers seeking to refinance their mortgage as it offers S$2,000 to S$3,000 in subsidies for legal fees for loans over S$500,000.
| Summary of DBS's Mortgage Offerings |
|---|
| Typically offers very competitive fixed and floating home loan rates, with and without lock-in periods |
| Lock-in periods of up to 5 years |
Table of Contents
What Makes DBS Stand Out to Borrowers
DBS's impressive lending track record and consistently low interest rates make it great option for prospective homeowners to consider for their home loans. DBS is typically among the most affordable lenders in Singapore. However, interest rates for home loans change quite frequently, so it is important to monitor its rates compared to other banks.
For example, DBS offers some of the cheapest HDB and private home loans, for completed residences or buildings under construction (such as BTO, DBSS and EC flats), with fixed or floating rates, with or without lock-in periods. While there are financial institutions that offer lower introductory rates, DBS is generally among the cheapest when it comes to total cost of home loans. This is because the lenders with low introductory rates tend to charge higher rates than DBS in later years of their loan tenures.
DBS HDB Mortgage Rates as of March 29, 2023
DBS is one of the best lenders for individuals seeking a housing loan for an HDB flat, providing competitive fixed and floating interest rates. The table below details DBS's current mortgage interest rates.
| Bank | 1st Yr Interest | Lock-in Period | Apply Now |
|---|---|---|---|
| DBS Board | 2.60% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Board","interestRateYear1":"2.60","interestRateYear2":"2.60","interestRateYear3":"2.60","interestRateYear4":"2.60","interestRateYear5":"2.60","interestRateYear6Plus":"2.60","lockInPeriod":"3 years","features":"Income Capped \r\n1 Borrower - $2,500\r\n2 Borrower - $5,000","additionalInformation":"CPF Home Rate (CHR) is based on the prevailing interest rate payable on CPF Ordinary Account (OA). Loan is priced at CHR + 0.10%","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Board","rt2":"Board","rt3":"Board","rt4":"Board","rt5":"Board","rt6":"Board","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"0.00","rt5r":"0.00","rt6r":"0.00","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"0.0000","rt5r_first_day":"0.0000","rt6r_first_day":"0.0000","sumYear1":"2.60","sumYear2":"2.60","sumYear3":"2.60","sumYear4":"2.60","sumYear5":"2.60","sumYear6":"2.60","sum":"2.60","y2":"$2,268","y3":"$2,268","y4":"$2,268","y5":"$2,268","y6":"$2,268","y1":"$2,268","monthly_installments":"$2,268","total_interest_cost":180400,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.75% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.75","interestRateYear2":"3.75","interestRateYear3":"3.75","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"3 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan,hdb-loan","loanType":"new,refinance","minLoanAmount":500000,"rt1":"Fixed","rt2":"Fixed","rt3":"Fixed","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.75","sumYear2":"3.75","sumYear3":"3.75","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.75","y2":"$2,571","y3":"$2,571","y4":"$2,759","y5":"$2,759","y6":"$2,759","y1":"$2,571","monthly_installments":"$2,571","total_interest_cost":320932,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.85% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.85","interestRateYear2":"3.85","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":300000,"rt1":"Fixed","rt2":"Fixed","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.85","sumYear2":"3.85","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.85","y2":"$2,598","y3":"$2,768","y4":"$2,768","y5":"$2,768","y6":"$2,768","y1":"$2,598","monthly_installments":"$2,598","total_interest_cost":326320,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.88% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.88","interestRateYear2":"3.88","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Fixed","rt2":"Fixed","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.88","sumYear2":"3.88","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.88","y2":"$2,606","y3":"$2,769","y4":"$2,769","y5":"$2,769","y6":"$2,769","y1":"$2,606","monthly_installments":"$2,606","total_interest_cost":326788,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
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| DBS Fixed | 4.25% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"4.25","interestRateYear2":"4.25","interestRateYear3":"4.25","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"3 years","features":"Waiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan,hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Fixed","rt2":"Fixed","rt3":"Fixed","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"4.25","sumYear2":"4.25","sumYear3":"4.25","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"4.25","y2":"$2,709","y3":"$2,709","y4":"$2,773","y5":"$2,773","y6":"$2,773","y1":"$2,709","monthly_installments":"$2,709","total_interest_cost":329596,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
The bank is also a good option for financing BTO units, as it traditionally offers some of the best interest rates for units under construction. In the table below, we show the current costs associated with a BTO home loan from DBS.
| Bank | 1st Yr Interest | Lock-in Period | Apply Now |
|---|---|---|---|
| DBS 3M SORA | 4.15% | 0 | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"under-construction","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"3M SORA","interestRateYear1":"0.65","interestRateYear2":"0.65","interestRateYear3":"0.70","interestRateYear4":"0.80","interestRateYear5":"0.80","interestRateYear6Plus":"0.80","lockInPeriod":0,"features":"1 x Free Conversion after 1st Disbursement to within 6mth from T.O.P\r\n","additionalInformation":"","propertyType":"private-under-construction,hdb-under-construction","loanType":"new,refinance","minLoanAmount":300000,"rt1":"3M SORA","rt2":"3M SORA","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"3.50","rt2r":"3.50","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"3.2206","rt2r_first_day":"3.2206","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"4.15","sumYear2":"4.15","sumYear3":"4.20","sumYear4":"4.30","sumYear5":"4.30","sumYear6":"4.30","sum":"4.15","y2":"$2,682","y3":"$2,695","y4":"$2,720","y5":"$2,720","y6":"$2,720","y1":"$2,682","monthly_installments":"$2,682","total_interest_cost":314788,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS 3M SORA | 4.50% | 0 | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"under-construction","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"3M SORA","interestRateYear1":"1.00","interestRateYear2":"1.00","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":0,"features":"1 x Free Conversion within 6mth from T.O.P","additionalInformation":"","propertyType":"private-under-construction,hdb-under-construction","loanType":"new,refinance","minLoanAmount":100000,"rt1":"3M SORA","rt2":"3M SORA","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"3.50","rt2r":"3.50","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"3.2206","rt2r_first_day":"3.2206","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"4.50","sumYear2":"4.50","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"4.50","y2":"$2,780","y3":"$2,780","y4":"$2,780","y5":"$2,780","y6":"$2,780","y1":"$2,780","monthly_installments":"$2,780","total_interest_cost":334000,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
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DBS Private Home Loans Interest Rates as of March 29, 2023
Borrowers considering home loans to purchase private properties in Singapore should consider DBS. The bank generally offers very competitive fixed and floating interest rates. The table below illustrates the current interest rates associated with a private home loan from DBS.
| Bank | 1st Yr Interest | Lock-in Period | Apply Now |
|---|---|---|---|
| DBS Fixed | 3.75% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"private","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.75","interestRateYear2":"3.75","interestRateYear3":"3.75","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"3 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan,hdb-loan","loanType":"new,refinance","minLoanAmount":500000,"rt1":"Fixed","rt2":"Fixed","rt3":"Fixed","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.75","sumYear2":"3.75","sumYear3":"3.75","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.75","y2":"$2,571","y3":"$2,571","y4":"$2,759","y5":"$2,759","y6":"$2,759","y1":"$2,571","monthly_installments":"$2,571","total_interest_cost":320932,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.85% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"private","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.85","interestRateYear2":"3.85","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan","loanType":"new,refinance","minLoanAmount":500000,"rt1":"Fixed","rt2":"Fixed","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.85","sumYear2":"3.85","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.85","y2":"$2,598","y3":"$2,768","y4":"$2,768","y5":"$2,768","y6":"$2,768","y1":"$2,598","monthly_installments":"$2,598","total_interest_cost":326320,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.88% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"private","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.88","interestRateYear2":"3.88","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan","loanType":"new,refinance","minLoanAmount":300000,"rt1":"Fixed","rt2":"Fixed","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.88","sumYear2":"3.88","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.88","y2":"$2,606","y3":"$2,769","y4":"$2,769","y5":"$2,769","y6":"$2,769","y1":"$2,606","monthly_installments":"$2,606","total_interest_cost":326788,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 4.25% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"private","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"4.25","interestRateYear2":"4.25","interestRateYear3":"4.25","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"3 years","features":"Waiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan,hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Fixed","rt2":"Fixed","rt3":"Fixed","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"4.25","sumYear2":"4.25","sumYear3":"4.25","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"4.25","y2":"$2,709","y3":"$2,709","y4":"$2,773","y5":"$2,773","y6":"$2,773","y1":"$2,709","monthly_installments":"$2,709","total_interest_cost":329596,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
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| DBS 3M SORA | 4.25% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"private","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"3M SORA","interestRateYear1":"0.75","interestRateYear2":"0.75","interestRateYear3":"0.75","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In","additionalInformation":"","propertyType":"private-loan","loanType":"new,refinance","minLoanAmount":300000,"rt1":"3M SORA","rt2":"3M SORA","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"3.50","rt2r":"3.50","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"3.2206","rt2r_first_day":"3.2206","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"4.25","sumYear2":"4.25","sumYear3":"4.25","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"4.25","y2":"$2,710","y3":"$2,710","y4":"$2,773","y5":"$2,773","y6":"$2,773","y1":"$2,710","monthly_installments":"$2,710","total_interest_cost":329632,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
DBS also offers competitive rates for private properties under construction. One drawback of DBS's home loans for private residences is that they do not currently offer a competitive interest rates for floating rate loans for buildings under construction.
| Bank | 1st Yr Interest | Lock-in Period | Apply Now |
|---|---|---|---|
| DBS 3M SORA | 4.15% | 0 | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"private","sort":"total_interest_cost","construction_status":"under-construction","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"3M SORA","interestRateYear1":"0.65","interestRateYear2":"0.65","interestRateYear3":"0.70","interestRateYear4":"0.80","interestRateYear5":"0.80","interestRateYear6Plus":"0.80","lockInPeriod":0,"features":"1 x Free Conversion after 1st Disbursement to within 6mth from T.O.P\r\n","additionalInformation":"","propertyType":"private-under-construction,hdb-under-construction","loanType":"new,refinance","minLoanAmount":300000,"rt1":"3M SORA","rt2":"3M SORA","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"3.50","rt2r":"3.50","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"3.2206","rt2r_first_day":"3.2206","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"4.15","sumYear2":"4.15","sumYear3":"4.20","sumYear4":"4.30","sumYear5":"4.30","sumYear6":"4.30","sum":"4.15","y2":"$2,682","y3":"$2,695","y4":"$2,720","y5":"$2,720","y6":"$2,720","y1":"$2,682","monthly_installments":"$2,682","total_interest_cost":314788,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS 3M SORA | 4.50% | 0 | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"private","sort":"total_interest_cost","construction_status":"under-construction","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"3M SORA","interestRateYear1":"1.00","interestRateYear2":"1.00","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":0,"features":"1 x Free Conversion within 6mth from T.O.P","additionalInformation":"","propertyType":"private-under-construction,hdb-under-construction","loanType":"new,refinance","minLoanAmount":100000,"rt1":"3M SORA","rt2":"3M SORA","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"3.50","rt2r":"3.50","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"3.2206","rt2r_first_day":"3.2206","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"4.50","sumYear2":"4.50","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"4.50","y2":"$2,780","y3":"$2,780","y4":"$2,780","y5":"$2,780","y6":"$2,780","y1":"$2,780","monthly_installments":"$2,780","total_interest_cost":334000,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
DBS Refinancing Home Loan Interest Rates as of March 29, 2023
DBS typically offers among the best rates for loan refinancing for HDB, private and commercial properties. This is true for loans with or without lock-in periods. Below we display the current rates associated with DBS's refinancing loans with durations of 20 years and principals of S$500,000.
| Bank | 1st Yr Interest | Lock-in Period | Apply Now |
|---|---|---|---|
| DBS Board | 2.60% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"refinance","property_type":"hdb","sort":"total_interest_cost","current_financer":"WESTPAC","current_interest_rate":5,"existing_loan_amount":500000},"loan":{"bank_name":"DBS","name":"Board","interestRateYear1":"2.60","interestRateYear2":"2.60","interestRateYear3":"2.60","interestRateYear4":"2.60","interestRateYear5":"2.60","interestRateYear6Plus":"2.60","lockInPeriod":"3 years","features":"Income Capped \r\n1 Borrower - $2,500\r\n2 Borrower - $5,000","additionalInformation":"CPF Home Rate (CHR) is based on the prevailing interest rate payable on CPF Ordinary Account (OA). Loan is priced at CHR + 0.10%","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Board","rt2":"Board","rt3":"Board","rt4":"Board","rt5":"Board","rt6":"Board","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"0.00","rt5r":"0.00","rt6r":"0.00","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"0.0000","rt5r_first_day":"0.0000","rt6r_first_day":"0.0000","sumYear1":"2.60","sumYear2":"2.60","sumYear3":"2.60","sumYear4":"2.60","sumYear5":"2.60","sumYear6":"2.60","sum":"2.60","y2":"$2,268","y3":"$2,268","y4":"$2,268","y5":"$2,268","y6":"$2,268","y1":"$2,268","monthly_installments":"$2,268","total_interest_cost":180400,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.75% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"refinance","property_type":"hdb","sort":"total_interest_cost","current_financer":"WESTPAC","current_interest_rate":5,"existing_loan_amount":500000},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.75","interestRateYear2":"3.75","interestRateYear3":"3.75","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"3 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan,hdb-loan","loanType":"new,refinance","minLoanAmount":500000,"rt1":"Fixed","rt2":"Fixed","rt3":"Fixed","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.75","sumYear2":"3.75","sumYear3":"3.75","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.75","y2":"$2,571","y3":"$2,571","y4":"$2,759","y5":"$2,759","y6":"$2,759","y1":"$2,571","monthly_installments":"$2,571","total_interest_cost":320932,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.85% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"refinance","property_type":"hdb","sort":"total_interest_cost","current_financer":"WESTPAC","current_interest_rate":5,"existing_loan_amount":500000},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.85","interestRateYear2":"3.85","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":300000,"rt1":"Fixed","rt2":"Fixed","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.85","sumYear2":"3.85","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.85","y2":"$2,598","y3":"$2,768","y4":"$2,768","y5":"$2,768","y6":"$2,768","y1":"$2,598","monthly_installments":"$2,598","total_interest_cost":326320,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.88% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"refinance","property_type":"hdb","sort":"total_interest_cost","current_financer":"WESTPAC","current_interest_rate":5,"existing_loan_amount":500000},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.88","interestRateYear2":"3.88","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Fixed","rt2":"Fixed","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.88","sumYear2":"3.88","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.88","y2":"$2,606","y3":"$2,769","y4":"$2,769","y5":"$2,769","y6":"$2,769","y1":"$2,606","monthly_installments":"$2,606","total_interest_cost":326788,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 4.25% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"refinance","property_type":"hdb","sort":"total_interest_cost","current_financer":"WESTPAC","current_interest_rate":5,"existing_loan_amount":500000},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"4.25","interestRateYear2":"4.25","interestRateYear3":"4.25","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"3 years","features":"Waiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan,hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Fixed","rt2":"Fixed","rt3":"Fixed","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"4.25","sumYear2":"4.25","sumYear3":"4.25","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"4.25","y2":"$2,709","y3":"$2,709","y4":"$2,773","y5":"$2,773","y6":"$2,773","y1":"$2,709","monthly_installments":"$2,709","total_interest_cost":329596,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
Applicable Fees
DBS charges standard fees for its mortgages, including partial repayment fees, full redemption penalties and cancellation fees. The table below outlines the fees associated with DBS home loans and home loan refinancing.
| Loan Type | Partial Repayment Fee | Full Redemption Penalty | Cancellation Fee |
|---|---|---|---|
| HDB Tracker | N/A | N/A | 1.5% |
| Private Tracker | 1.5% | 1.5% | 1.5% |
| Board Rate (Lock-In) | 1.5% | 1.5% | 1.5% |
| Board Rate (no lock-in) | N/A | N/A | 1.5% |
| Fixed Rate | 1.5% | 1.5% | 1.5% |
| BUC | N/A | N/A | 0.75% |
How to Apply: Application Process
Find the Cheapest Home Loans in Singapore
Applying for a housing loan is a very arduous process that's complicated to navigate alone. If you are interested in applying one, we strongly recommend you to seek out some help from our mortgage broker partner by clicking on the "Check Rates" buttons on this page.
Borrowers that are interested in applying for a home loan from DBS must provide personal identification, income and personal debt information documents. Also, those to purchase a property must submit additional documents, including an option to purchase or sales and purchase agreement. Individuals purchasing an HDB resale must provide a valuation report.
Individuals seeking a refinance loan for a private residence must provide the offer letter from from the original lender with repayment history for the latest 6 months of that loan. Borrowers must also provide the IRAS My Property Portfolio for owner-occupied residences. Finally, borrowers seeking a refinance loan must also provide their latest CPF property withdrawal statement if they have an existing term loan or are applying for a term loan.
Individuals seeking to refinance an HDB loan must provide their latest 6 months loan repayment history, as well as their IRAS My Property portfolio if the residence is owner-occupied.
- NRIC or Passport (for foreigners)
- HDB Flat & Financial Information
- Latest Notice of Assessment or 12 months CPF Contribution History
- Latest credit card & credit line statements with outstanding balances
- Latest 3 months’ payslips
- Latest 3 months’ salary crediting account statements (additional documents required for customers working overseas)
- Latest credit facilities statements (for example: existing home loans, credit card, car loan, personal loan facilities or others)
How Do DBS Mortagage Rates Compare?
Interest rates for home loans change frequently. Therefore, it is important to periodically review the best rates in the market. For a live look at other lender's interest rates, see the table below that features today's interest rates.
| Bank | 1st Yr Interest | Lock-in Period | Apply Now |
|---|---|---|---|
| DBS Board | 2.60% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"," UOB"," HSBC"," SCB"," OCBC"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Board","interestRateYear1":"2.60","interestRateYear2":"2.60","interestRateYear3":"2.60","interestRateYear4":"2.60","interestRateYear5":"2.60","interestRateYear6Plus":"2.60","lockInPeriod":"3 years","features":"Income Capped \r\n1 Borrower - $2,500\r\n2 Borrower - $5,000","additionalInformation":"CPF Home Rate (CHR) is based on the prevailing interest rate payable on CPF Ordinary Account (OA). Loan is priced at CHR + 0.10%","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Board","rt2":"Board","rt3":"Board","rt4":"Board","rt5":"Board","rt6":"Board","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"0.00","rt5r":"0.00","rt6r":"0.00","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"0.0000","rt5r_first_day":"0.0000","rt6r_first_day":"0.0000","sumYear1":"2.60","sumYear2":"2.60","sumYear3":"2.60","sumYear4":"2.60","sumYear5":"2.60","sumYear6":"2.60","sum":"2.60","y2":"$2,268","y3":"$2,268","y4":"$2,268","y5":"$2,268","y6":"$2,268","y1":"$2,268","monthly_installments":"$2,268","total_interest_cost":180400,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.75% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"," UOB"," HSBC"," SCB"," OCBC"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.75","interestRateYear2":"3.75","interestRateYear3":"3.75","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"3 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"private-loan,hdb-loan","loanType":"new,refinance","minLoanAmount":500000,"rt1":"Fixed","rt2":"Fixed","rt3":"Fixed","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.75","sumYear2":"3.75","sumYear3":"3.75","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.75","y2":"$2,571","y3":"$2,571","y4":"$2,759","y5":"$2,759","y6":"$2,759","y1":"$2,571","monthly_installments":"$2,571","total_interest_cost":320932,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| OCBC Fixed | 3.90% | 3 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"," UOB"," HSBC"," SCB"," OCBC"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"OCBC","name":"Fixed","interestRateYear1":"3.90","interestRateYear2":"3.90","interestRateYear3":"3.90","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"3 years","features":"Free Conversion after Lock In","additionalInformation":"","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":200000,"rt1":"Fixed","rt2":"Fixed","rt3":"Fixed","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"0.00","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"0.0000","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.90","sumYear2":"3.90","sumYear3":"3.90","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.90","y2":"$2,612","y3":"$2,612","y4":"$2,763","y5":"$2,763","y6":"$2,763","y1":"$2,612","monthly_installments":"$2,612","total_interest_cost":323464,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.85% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"," UOB"," HSBC"," SCB"," OCBC"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.85","interestRateYear2":"3.85","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":300000,"rt1":"Fixed","rt2":"Fixed","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.85","sumYear2":"3.85","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.85","y2":"$2,598","y3":"$2,768","y4":"$2,768","y5":"$2,768","y6":"$2,768","y1":"$2,598","monthly_installments":"$2,598","total_interest_cost":326320,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
|
| DBS Fixed | 3.88% | 2 years | {"endpoint":"https:\/\/redbrick.valuechampion.sg\/api\/redbrick","inputs":{"filter_bank":["DBS"," UOB"," HSBC"," SCB"," OCBC"],"filter_interest_type":"both","filter_lock_in":"false","individual_or_company":"individual","loan_tenure":25,"loan_type":"new_loan","property_type":"hdb","sort":"total_interest_cost","construction_status":"completed","loan_amount":500000,"property_purchase":"yes"},"loan":{"bank_name":"DBS","name":"Fixed","interestRateYear1":"3.88","interestRateYear2":"3.88","interestRateYear3":"1.00","interestRateYear4":"1.00","interestRateYear5":"1.00","interestRateYear6Plus":"1.00","lockInPeriod":"2 years","features":"Free Conversion after Lock In\r\n\r\nWaiver of Penalty Due to Sale of Property During Lock In Period","additionalInformation":"","propertyType":"hdb-loan","loanType":"new,refinance","minLoanAmount":100000,"rt1":"Fixed","rt2":"Fixed","rt3":"3M SORA","rt4":"3M SORA","rt5":"3M SORA","rt6":"3M SORA","rt1r":"0.00","rt2r":"0.00","rt3r":"3.50","rt4r":"3.50","rt5r":"3.50","rt6r":"3.50","rt1r_first_day":"0.0000","rt2r_first_day":"0.0000","rt3r_first_day":"3.2206","rt4r_first_day":"3.2206","rt5r_first_day":"3.2206","rt6r_first_day":"3.2206","sumYear1":"3.88","sumYear2":"3.88","sumYear3":"4.50","sumYear4":"4.50","sumYear5":"4.50","sumYear6":"4.50","sum":"3.88","y2":"$2,606","y3":"$2,769","y4":"$2,769","y5":"$2,769","y6":"$2,769","y1":"$2,606","monthly_installments":"$2,606","total_interest_cost":326788,"metadata":{"_id":18,"collection":"home_loans","apply_now_text":"Check Rates","apply_now_icon_hidden":true,"apply_now_redirect":false,"pros_label":"Pros","cons_label":"Cons"}}}
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Stephen Lee
Stephen Lee is a Senior Research Analyst at ValueChampion, specializing in insurance. He holds a Bachelor of Arts degree in International Studies from the University of Washington, and his prior work experience include risk management and underwriting for professional liability and specialty insurance at Victor Insurance. Additionally, Stephen is a former US Peace Corps Volunteer in Myanmar (serving between 2018-2020), where he continues to provide business development consulting services to HR companies in Asia Pacific.