Apply Online For DBS Home Loan Rates

Fixed Rates
1.50% 5 Yr Lock-In >
2.60% 5 Yr Lock-In >
Floating Rates
Board Rate 1.35% (FHR24 + 0.450%) No Lock-In >
Board Rate 1.50% (FHR24 + 0.600%) No Lock-In >
Board Rate 1.60% (FHR24 + 0.700%) 2 Yr Lock-In >
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About DBS Home Loans

DBS home loans are provided by DBS, a leading financial institution headquartered and listed in Singapore. It has over four million customers and a growing presence in the three key Asian growth markets: Greater China, Southeast Asia and South Asia.

With over 280 branches across 18 markets in Asia, DBS is the largest bank in Singapore and Southeast Asia. As a bank born and bred in Asia, DBS follows the philosophy of banking the Asian way – building Asian relationships and providing Asian connectivity, Asian service, Asian innovation and Asian insights.

In their home market Singapore, DBS serves all customer segments including the mass market through the DBS and POSB "People's Bank" franchise. It also offers DBS credit cards, including travel credit cards, rewards credit cards, cashback credit cards, student credit cards and business credit cards.

In other markets, DBS focuses on three lines of business:

  • Corporate/investment banking
  • SME banking
  • Wealth management

DBS was named "Safest Bank in Asia" for the seventh consecutive year by leading trade publication Global Finance in 2015. The bank also moved up one place to the 11th spot on the global list of safest banks. Other noteworthy mentions are a host of awards for customer experience at the CXFS Asia Summit and Awards, and its POSB Everyday Card was voted best credit/debit card at AsiaOne's People's Choice Awards in 2014.

DBS Home Loans

Being a household name in Singapore's banking industry, DBS provides a wide variety of home loans to cater to borrowers in its home market.

DBS HDB Home Loans

  • DBS guarantees that its HDB Loan will be at least 0.1% lower than the HDB Concessionary rates for the first 5 years.
  • Interests are capped at the prevailing CPF OA rate at 2.5% per annum for the first 5 years.
  • A minimum loan amount of $100,000 applies and there no pre-payment fees.

DBS Private Property Home Loans

There are a variety of fixed rate packages, as well as various floating rate packages pegged to the Fixed Deposit Home Rate (FHR). DBS is the first in the market to offer a FHR-pegged loan. The FHR loan is a floating rate loan that uses a bank's fixed deposit rates to price its loan.

It uses the average of DBS Bank's prevailing 18 month Singapore Dollar fixed deposit rates for amounts between $1,000 to $9,999 as a base rate, then adds on a spread to make up the effective interest rate.

DBS Home Loan Eligibility

Eligibility depends on whether you are taking a HDB home loan or a private property loan. For the former, please ensure you meet HDB's eligibility conditions. New HDB owners can only apply for a home loan for completed flats.

DBS Home Loan Fees And Charges

  • Loan statement request: $20 per statement
  • Custody of Title Deed for loans that were paid full: $300
  • Administrative fee for use of third-party insurer for fire insurance: $100 each year
  • Change in loan tenure: $250

How We Rate Credit Cards

At we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.

Cards are rated by our team based primarily on the basis of value for money to the cardholder. The team rates each card based on its annual fee, rewards, benefits, bonus, interest per annum, privileges and flexibility (in how benefits can be used and how rewards are earned and redeemed), and other card features.

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