Housing Loan Singapore


Providing online home loan services since 2009


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.

About Us

housingloansingapore.com operating since 2009

Who we are & what we do to make it easier for you

We are a dedicated team committed to reviewing the latest property loans in Singapore for you to find one that is the most suitable for you.

There are so many property loan packages around and you only have so much free time, money and effort to invest to seek them out and make proper comparison. Our job is to help you out by providing you timely information on the latest property loans so that you can make a better informed decision on your property loan.

We were initially servicing clients to assist them in obtaining commercial and industrial property loans. With our good service, our clients requested for us to help them with their personal property loans in Singapore as well.

From client referrals, we are now very involved in the consumer housing loan market as well.

We Believe

  • Our customers are our investors. Even though our services are FREE to our customers, they provide us the means to fund our daily operations. We answer to them, not external investors or the stock market.
  • Clarity is king. Fancy jargon is pointless when the listener does not understand what it means.
  • Convenience matters. We are known for making the whole property loan hunting hassle free for the customer. We work hard everyday to live up to the reputation we have built up.
  • No exclusive contracts. No one likes to be locked up by a contract. We never lock anyone in. You have the flexibility to cancel our service anytime. No questions asked.
  • Property loans should suit you. Some property loans costs you a bomb when there is a better deal next door. We provide you timely information that can make a huge difference.

Here’s What We Do In A Nutshell

  • Each week, we attend to millions of dollars worth of property loan enquires.
  • We sent out an invitation-only weekly newsletter to an ever increasing VIP list of property hunters.
  • We serve home buyers on financing new launches and resale properties, and home owners on refinancing.
  • We always look to recruit those with a credible history of relevant banking experience as our customer service representatives.
  • We continually put alliance partners through a series of thorough assessment on credibility and dependability to judge their added value.

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77 High Street #03-11/12
Singapore 179433
Tel: e-mail us to obtain
Fax: e-mail us to obtain

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.

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.

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