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.


What Are Your Options When You Have No Standard Income Documents

If you are scrambling for alternative documentation to prove your income to a home loan lender, then it’s most like that you either have your income …

What Is Refinancing And When Would It Be Worth It?

To refinance a housing loan is simply to replace an existing mortgage with another one from another bank. This essentially means that the funds from the new …

Latest SIBOR And SOR History Trends Chart

SIBOR and SOR are index rates where Singapore banks lend to one another. It is basically the interest a bank has to pay for a loan from another bank. This …

TDSR – What You Should Know About Calculating Debt Ratio

Most people understand the basic methods to calculate how much they can borrow. It is basically a percentage of monthly income minus the monthly debt …

Housing Loan – A Comprehensive Guide To Mortgage Choices In Singapore

You don’t have to feel embarrassed for knowing close to nothing about what are the best interest rates, what is the current SIBOR, or what types of mortgage …

Refinance Home Loan To Slash Your Existing Mortgage Rates

If you are currently paying 3% or more on your housing loan, it does not take a genius to realize that it is time to refinance now. This is especially so when …

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 …

More About Housing Loans

Housing loans are loans you take up to purchase your house. The home loan is secured against the house that you are buying. In financial jargon, housing loans …

Loan To Value Singapore Limit And Ratio – LTV Mortgage Explained

Effective 6 July 2018 1) For first housing loan, loan to value capped at 75% or 55% for home loans from the bank if more than 30 years or extends past the age …

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 …

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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It makes absolutely no sense to pay more
than you have to on a home loan.

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