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DBS Home Loans

Find a new home loan or refinance with help from a trusted bank.

DBS bank provides a wide suite of banking services, including home loans for new home-buyers and property investors. Find everything you need to know about DBS home loan on this page. Skip ahead to the full table of products or read more about DBS home loans below.

DBS’s lowest rate for…

  • Fixed-rate loan. The lowest fixed-rate loan has a 1.83% p.a. interest rate and lets you borrow up to 75%.
  • Variable-rate loan. The 1-year floating rate package currently stands at 2.08% and lets you borrow up to 75%.

Compare DBS home loans

Compare the home loans offered by DBS below.

Year 1Year 2Year 3ThereafterConditions
2 year fixed-rate package1.83% p.a.1.83% p.a.FHR8*+1.03% p.a.FHR8+1.03% p.a.Minimum loan amount of $300,000
2 year fixed-rate package1.86%1.86%FHR8+1.03% p.a.FHR8+1.03% p.a.Minimum loan amount of $100,000
5 year fixed-rate package2% p.a. up until year 5FHR8+1.03% p.a.Minimum loan amount of $200,000
1 year floating-rate packageFHR8 + 1.13% p.a.FHR8 + 1.13% p.a.Minimum loan amount of $300,000
Floating-rate package (no lock-in)FHR8 + 1.20% p.a.FHR8 + 1.20% p.a.Minimum loan amount of $100,000

*FHR8 refers to DBS Bank’s prevailing 8 months Singapore Dollar fixed deposit rate for amounts between S$1,000 and S$9,999 or such other sum as we may specify. It is currently 0.950% p.a as of 29 Jan 2020.

DBS lender profile

Having established itself in Singapore since 1968, DBS has grown with the young country and become a household name in Singapore. The bank provides a full suite of banking products, including savings accounts, credit cards, personal loans, insurance products, money transfers, an investment brokerage arm call DBS Vickers, as well as property loans.

DBS home loan features

DBS has multiple home loans for investors and owner-occupiers, with fixed and variable rates.

No prepayment penaltyThe 5-year fixed-rate DBS HDB loan provides you the flexibility to make a prepayment or fully redeem your home loan when you sell your HDB flat, without any penalty.
Home Payment CareWith DBS HDB Loan, you enjoy Home Payment Care – an insurance which helps you pay for your home loan repayments and receive other payouts should you lose your repayment ability. This could be due to a sudden loss of income or an unfortunate event.

How do I apply for a DBS home loan?

You can learn more about a specific DBS home loan package by clicking through to that product’s review page. Clicking “Go to site” on the DBS comparison table will take you through to the lender’s website.


Each DBS product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a home loan with DBS you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you’ll be expected to provide are:

  • Identification documents. You will need identification such as your NRIC or passport.
  • Proof of income documents. Recent 3-month payslips, as well as your latest Income Tax Notice of Assessment or 12 months CPF contributions.
  • Asset and liability documents. You need to provide documents showing your current assets (e.g. savings accounts, investments) and liabilities (e.g. any outstanding debt).
  • Property information. Option-to-purchase, sales and purchase documents, as well as property valuation report.
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