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Best Home Loans 2020

Best Sibor Home Loans for Private Properties

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties

Best Fixed Rates Home Loans for Private Properties

Best Sibor Home Loans for HDB Flats

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats

Best Fixed Rates Home Loans for HDB Flats

Do note that the rates below are indicative and that subsidies & incentives are generally given for refinancing only.

For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Best Sibor Home Loans for Private Properties

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
Year 1 Board 2.38%
Year 2 Board 2.38%
Year 3 Board 3.50%
Thereafter Board 3.50%
Lock-in period 2 years
Subsidy / Incentive$1,000
Remarks
  • Rate is pegged to Private Property Rate (PPR), which is currently at 6.15%

Best Fixed Rates Home Loans for Private Properties
Year 1 1.35% (Fixed)
Year 2 1M SORA + 0.35%
Year 3 1M SORA + 0.40%
Thereafter 1M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free conversion after 12 months
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 1.2866%
Year 1 1.40% (Fixed)
Year 2 1M SORA + 0.35%
Year 3 1M SORA + 0.40%
Thereafter 1M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free conversion after 12 months
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 1.2866%
Year 1 1.40% (Fixed)
Year 2 1M SORA + 0.35%
Year 3 1M SORA + 0.40%
Thereafter 1M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free conversion after 12 months
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 1.2866%

Best Sibor Home Loans for HDB Flats

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 1.60%
Year 2 Board 1.60%
Year 3 Board 1.60%
Thereafter FHR6 + 1.20%
Lock-in period 5 years
Subsidy / Incentive$1,000
Remarks
  • Free conversion after 36 month
  • No partial prepayment penalty
  • Waiver of lock-in penalty if property is sold
  • FHR6 is currently at 0.80%

Best Fixed Rates Home Loans for HDB Flats
Year 1 1.40% (Fixed)
Year 2 1M SORA + 0.35%
Year 3 1M SORA + 0.40%
Thereafter 1M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free conversion after 12 months
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 1.2866%
Year 1 1.45% (Fixed)
Year 2 1M SORA + 0.50%
Year 3 1M SORA + 0.50%
Thereafter 1M SORA + 0.80%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
  • Subjected to 3 years claw back period
  • Free conversion after 12 months
  • Waiver due to sale of property @ 0.75%
  • After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1 1.65% (Fixed)
Year 2 3M SORA + 0.40%
Year 3 3M SORA + 0.50%
Thereafter 3M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free conversion after 12 months
  • Full waiver of lock-in penalty if property is sold after 12 months
  • After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%

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