Apply Online For HLF Home Loan Rates

Fixed Rates
1.45% 2 Yr Lock-In >
1.55% 3 Yr Lock-In >
Floating Rates
Board Rate 1.400% 2 Yr Lock-In >
Board Rate 2.100% No Lock-In >
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Find the Right Home Loan

About HLF

HLF home loans are offered by Hong Leong Finance, the financial services branch of the Hong Leong Group Singapore. HLF may not be the first name that pops up when we think about home loans, but it is actually one of Singapore's largest finance companies.

Incorporated in 1961 as a Small & Medium Enterprise (SME), the company was also listed on the Singapore Stock Exchange in 1974 as the then Singapore Finance Ltd. HLF offers an extensive suite of financial products and services, spanning from consumer banking products such as deposits and savings to corporate loans and government assistance programmes for SMEs.

HLF has been honoured with several awards - the Singapore Finance Company of the Year Award for three consecutive years in 2011, 2012 and 2013 and the ASEAN Finance Company of the Year Award for 2014 at the Asian Banking and Finance Retail Banking Awards.

Hong Leong Home Loans

Hong Leong Finance splits its home loan services into two categories: HDB Home Loans and HomeBliss Loans for private housing financing.

HDB Home Loans

Hong Leong Finance offers fixed rate packages for periods of 2 years and 3 years and a variable rate package. You can get a loan quantum of up to 80% of the market value or purchase price of the HDB flat, whichever is lower. Loan tenures can go up to 30 years, or until you reach 70 years of age, whichever is earlier.

HomeBliss Loans

Hong Leong Bank offers home loans with variable interest rates for completed and uncompleted private developments. The interest rates are pegged to its Private Property Rate (PPR). It lets you get a loan of up to 80% of the purchase price or valuation, whichever is lower. Tenures can go up to 35 years, or until you reach 70 years of age, whichever is earlier.

HLF Home Loan Eligibility

Hong Leong Finance's HDB Home loan packages currently only apply to 3-room flats and above, with a minimum loan amount of $100,000.

Borrowers are also required to satisfy the HDB Loan Eligibility HLE criteria before the loan application.

On top of the above, borrowers should be aware that the amount of their monthly mortgage payments can not exceed a TDSR ratio of 60% for private properties and 30% for HDB flats as by government regulations.

For HomeBliss Loans, borrowers who are obtaining their second housing loan must meet the Loan-To-Value (LTV) limit of 50%. If loan tenure exceeds the borrower's retirement age of 65, or is more than 30 years, the LTV limit is set at 30% instead. For any subsequent housing loans, the LTV is 40% or 20% respectively for the above conditions.

Borrowers getting a housing loan for their first private property can borrow up to 80% of the purchase price/valuation price.

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