Mortgage

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• 🏦 Trusted Bank Partners – DBS, UOB, OCBC, Maybank, HSBC & more
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  Whether you’re purchasing a private property, HDB flat, or looking to refinance, we’re here to make it easier — and cheaper.

  📞 Call us today and get referred to the best home loan for your needs. It’s fast, free, and you’ll thank yourself later.
  
   

• Bank	Fixed Rate (2 Years)	Floating Rate (SORA-based)
  DBS	2.50%	~3.00%
  OCBC	2.30%	3M Compounded SORA + margin
  UOB	~2.88% (indicative)	SORA-based
  HSBC	~2.90% (indicative)	As low as ~1.94% initial
  Citibank	2.60–2.75%	3M Comp. SORA + spread
  Maybank	~2.95%	Floating available
  Standard Chartered	2.50–2.60%	SORA/BOARD-based

  22 July 2025
  
  Additional Insights

• Fixed vs Floating: Fixed rates offer stability during lock-in (usually 1–3 years), while SORA-based floating rates tend to be more competitive over the long term, especially in today's rate environment  
• Interest Pegs: Most banks now use SORA; SIBOR is being phased out. Spreads (margins) differ by bank and customer segment  
• Custom Quotes: Exact rates depend on loan amount, lock-in period, property type, and borrower profile. For precise and personalized quotes, you may refer to comparison platforms or contact the banks directly.
  
  Algene Toh
  +65 89005808
  
  Disclaimer: The information provided on this website is for general informational purposes only and does not constitute financial or legal advice. While every effort is made to ensure the accuracy of mortgage rates, terms, and details, rates may change without prior notice and may vary depending on individual financial profiles and bank policies. We are not a licensed financial institution or mortgage lender. All referrals are made to licensed banks and financial institutions in Singapore. Please consult directly with the respective banks or a licensed mortgage advisor for personalized advice and the most up-to-date information before making any financial decisions.
  
  1. 星展银行（DBS）
• 2年固定利率：年利率 2.50%
• 浮动利率（基于SORA）：约年利率 3.00%

• 2. 华侨银行（OCBC）

• 2年固定利率：年利率 2.30%
• 浮动利率：基于3个月SORA加银行利差（具体依方案而定）

• 3. 大华银行（UOB）

• 2年固定利率：约年利率 2.88%（参考市场数据）
• 浮动利率：以SORA为基础

• 4. 汇丰银行（HSBC）

• 2年固定利率：约年利率 2.90%
• 浮动利率方案SmartMortgage：首年低至约1.94%

• 5. 花旗银行（Citibank）

• 1年/2年固定利率：年利率 2.60% – 2.75%（配合Citigold客户）
• 浮动利率：3个月SORA + 银行利差

• 6. 马银行（Maybank）

• 2年固定利率：约年利率 2.95%（市场参考）
• 提供多种浮动利率方案

• 7. 渣打银行（Standard Chartered）

• 2年固定利率：约年利率 2.50% – 2.60%
• 提供基于SORA或BOARD利率的浮动贷款方案
  
  
   

• 银行	2年固定利率	浮动利率（SORA）方案
  DBS	2.50%	约 3.00%
  OCBC	2.30%	3个月SORA + 利差
  UOB	约 2.88%	SORA为基础
  HSBC	约 2.90%	首年低至 1.94%（SmartMortgage）
  Citibank	2.60–2.75%	3个月SORA + 利差
  Maybank	约 2.95%	提供浮动方案
  Standard Chartered	2.50–2.60%	SORA或BOARD利率浮动

• 固定 vs 浮动利率：固定利率适合希望在前几年内锁定利率的购房者；浮动利率（SORA为基础）长期来看更具弹性和竞争力。
• SORA取代SIBOR：新加坡现已逐步淘汰SIBOR，转而采用SORA为浮动贷款利率的主要基准。
• 具体利率因人而异：具体利率视房贷金额、房产类型、申请人财务状况、还款年限和是否为现有客户而定。
• 评估您对利率波动的承受能力，选择适合的固定或浮动方案
• 使用贷款计算器估算每月供款金额
• 联系我们获取个性化利率推荐，并由我们协助转介至银行贷款专员

阿杜 Algene Toh
+65 89005808