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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 4.43%
Year 2 Board 4.63%
Year 3 Board 4.83%
Thereafter 6.00%
Lock-in period 3 years
Subsidy / Incentive-
Remarks

Best Fixed Rates Home Loans for Private Properties
Year 1 2.70% (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
  • Waiver due to sale after 12 months
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 3.2588%
Year 1 2.83% (Fixed)
Year 2 3M SORA + 0.50%
Year 3 3M SORA + 1.00%
Thereafter 3M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,800
Remarks
  • Free conversion after 12 months
  • Waiver of lock-in penalty if property is sold after 12 months
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 3.2588%
Year 1 2.83% (Fixed)
Year 2 3M SORA + 0.50%
Year 3 3M SORA + 1.00%
Thereafter 3M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Free conversion after 12 months
  • Waiver of lock-in penalty if property is sold after 12 months
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 3.2588%

Best Sibor Home Loans for HDB Flats

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 4.35%
Year 2 Board 4.35%
Year 3 Board 4.35%
Thereafter Board 4.35%
Lock-in period 2 years
Subsidy / Incentive$1,000
Remarks
  • Rate is pegged to HDB home rate (HHR), HHR is currently at 7.00%
Year 1 Board 4.43%
Year 2 Board 4.53%
Year 3 Board 4.73%
Thereafter Board 6.00%
Lock-in period 3 years
Subsidy / Incentive-
Remarks

Best Fixed Rates Home Loans for HDB Flats
Year 1 2.89% (Fixed)
Year 2 3M SORA + 0.50%
Year 3 3M SORA + 1.00%
Thereafter 3M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free conversion after 12 months
  • Waiver of lock-in penalty if property is sold after 12 months
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 3.2588%
Year 1 2.65% (Fixed)
Year 2 1M SORA + 1.00%
Year 3 1M SORA + 1.00%
Thereafter 1M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$1,000
Remarks
  • Free switching to another loan package within the bank when fixed rate ends
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.0716%
Year 1 2.70% (Fixed)
Year 2 2.70% (Fixed)
Year 3 3M SORA + 0.55%
Thereafter 3M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free conversion after 24 months
  • Rate is pegged to 3M Sora, 3M Sora is currently at 3.3364%

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