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.


Loss Payable Clause

A loss payable clause is a provision stipulated in an insurance contract that protects a lender from losses incurred should a collateral used in a secured loan …

Payment Rate

The payment rate refers to the actual interest rate which is used to calculate an actual mortgage payment. There has to be a distinction made with payment rate …

Default Interest

The default interest refers to the interest rate charged on the amount overdue on obligated payment amounts. For example, if a home loan has a $1,000 monthly …

Floor Rate

A floor rate in a figure expressed in percentage that indicates the minimum interest that is to be charged on a home loan. It can also be referred to as the …

Negative Equity

A status of negative equity on a home loan arises when the mortgage balance is more than the value of the property. This can be a frightening realization to …

Nominal Interest Rate

The nominal interest rate is the most basic method of calculating interest charges that most people implicitly understand. For example a $100,000 loan at a …

Par Rate

A mortgage par rate is the interest rate tagged to a home loan in which any addition or subtraction is not applied, which is why it is also often referred to …

Loan Repayment Account

A loan repayment account refers to an account that has be specially opened by a lender which a borrower has to make monthly payments to, and in turn the funds …

Payment Shock

Payment shock refers to the sudden large increase in mortgage payment that is so drastic that borrowers kpkb. Because the majority of home loans in Singapore …

Deviated Rates

Deviated rates refer to interest rates on loan products such as mortgages that are lower than what are publicly published and advertised to general consumers. …

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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