Housing Loan Singapore


SIBOR is generally more stable while SWAP tend to fluctuate more. However 3-month SWAP has recently stayed consistently lower than 3-month SIBOR for an extended period of time. SOR is also very reactive to currency exchange rates.

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Shopping For A Housing Loan

How to shop for a housing loan in Singapore A lot of banks (if not all) in Singapore provide housing loans. It is normal if you find it confusing. You can …

Loan To Value Singapore Limit And Ratio – LTV Mortgage Explained

Effective 6 July 2018 1) Loan to value capped at 75% or 55% for home loans from the bank if more than 30 years or extends past the age of 65. 2) Home equity …

Choosing Home Loan Mortgage Rates For Under Construction New Launch Condo Property (BUC)

With all the new launch condos going on at the moment, it is not a surprise if you have bought one or seriously considering buying one whether it is your first …

Pre Approved Home Loan

Pre-approved home loans are housing loans that are conditionally finalized before you have picked a HDB flat or private property to purchase. This helps you to …

Singapore Housing Loan Interest Rates – Know What You Are Paying

Fixed rate and floating rate Fixed rate mortgages have interest rates that are fixed and guaranteed for the initial few years of the mortgage. This will be …

6 Steps To Choosing The Best Housing Loan Singapore That Is Right For You

The home loan you choose to take up is almost as crucial as the home you choose to buy. After all, buying a house is the biggest financial commitment in the …

FREE Housing Loan Analysis

Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner) Make A Choice   Our services are FREE to you …

What We Do For You

We Gather And Provide You Information On The Best Housing Loans In Singapore So That You Can Make A Better Decision Based On What Is Available In The Market

Which bank do you recommend for home loans in Singapore?

We don't recommend banks. We recommend you the best home loan that suits your profile and financial position.

SIBOR 14 Jun 2018

1 Month 1.40009
3 Month 1.52038
6 Month 1.66171
12 Month 1.85096

SOR 14 Jun 2018

1 Month 1.39053
3 Month 1.56581
6 Month 1.67225

How Does SOR Rates Hit Negative Value?

SOR rates are calculated with a complex financial formula, solved with simple algebra. The results of solving the equation therefore depends on the inputs used. Varying inputs that result from economic impacts and indicators can lead to negative value when the formula is solved. Key input indicators include USD/SGD spot rates and USD/SGD forward rates.

HDB loan or bank housing loan?

Our opinion is to always take a HDB concessionary loan if you are eligible for one. One of HDB's objectives is to to provide affordable housing for the people. While a bank is profit driven.

Which bank offers the best home loan deals?

Interest rates and spreads are not all that matter. Don't ignore the closing costs involved. Different banks can have different customized home loans for you. Don't be surprised if you will save more on a home loan that charges more interest because of the lesser closing costs involved. This is especially so if you know that you will refinance your home loan as soon as the lock in period has expired.