Home Loan for HDB or Private Home

Fast-forward your online home loan approval to 60 minutes

Why you will love this

Choose from a range of home loan packages for HDB or private homes with support from a mortgage specialist

Apply online and get approval within 60 minutes

Opt for Eco-Care Home Loan for more savings

Who can apply

Singaporean, Singapore PR or foreigner above 21 years old

Home loan amount must be at least S$200,000 for HDB flat or S$300,000 for Singapore private property

 

Check the results of your HDB IPA request.Find out more

 

Check the results of your HDB IPA request.Find out more

OCBC Home Loan lets you acquire your dream house faster with our customised and holistic financing solutions.

Awards

Best Home Loan/Mortgage Product

The Asian Banker Excellence in Retail Financial Services Awards 2022

Mortgage Product of the Year - Eco-Care Home Loan

The Digital Banker Global Retail Banking Innovation Awards 2021

benefits
Complete range of loan packages

Comprehensive range of home loan packages

Choose from our wide range of fixed and variable pricing packages to suit your needs. Borrow up to 75% of your property's valuation.

Fast, simple and secure loan application

Fast, simple and secure loan application

Apply with Singpass and get your home loan approved within 60 minutes.

Opt for our Eco-Care Home Loan

Eco-care Home Loan

Be part of a greener Singapore with your sustainable home and enjoy more savings.

Eco-care home loan

Verify that your home will be energy efficient with the Tropical Home Energy Efficiency Assessment (THEEA) developed by the Building and Construction Authority (BCA). Complete it in just 2 minutes before applying for the OCBC Eco-Care Home Loan.

Enjoy these benefits with your sustainable home:
  • Promotional 3M Compounded SORA pricing package
  • One-time S$88 bill rebate when you sign up for Senoko's LifeGreen24 plan by 31 December 2023

Terms and conditions apply.

See all Eco-Care Loans

partners of eco-care home loan
Build SG

Build SG

Build SG

Build SG

HDB & PRIVATE HOME LOAN PACKAGES

Select the loan package that best fits your needs for your HDB or private home. Enjoy these Online Exclusive Interest Rates for a selected time only.

  • 3M Compounded SORA
  • 2 Years Fixed
3M Compounded SORA
Fixed

3M Compounded SORA

Fixed

(For completed properties only)
3M Compounded SORA Fixed
The 3-month Compounded SORA for a given Singapore business day is published by 9 am on the next Singapore business day on MAS’ website. View more details on SORA.
Each 3M Compounded SORA will be fixed on the Rate Review Date and will apply throughout the next 3-month period respectively.
Free switch to another pricing package after the 1st year (for new loans only).
Flexibility to prepay up to 50% of the loan amount in the first 2 years.
Read more less
Protects you from rate fluctuations for the fixed period.
Fixed instalment within lock-in period.
Read more less
To find out more about our packages, you can submit a home loan enquiry form or approach your Mortgage Specialist. 
PROCESS
Loan calculator

Find out how much you can borrow

Use our OCBC OneAdvisor Affordability Calculator to find out how much you can borrow, based on your income, age and financial status.

HDB IN-PRINCIPLE APPROVAL (IPA)

If you have requested that we assess your eligibility to take up an OCBC Home Loan for your HDB purchase, you can check the results of your HDB IPA request.

before you apply

Eligibility requirements

Minimum age

21 years old

Minimum loan amount for Singapore private home

S$300,000

Minimum loan amount for HDB flat

S$200,000



Additional information


Ways to Apply

Apply for an OCBC Home Loan today

FAQs
Common questions about Loans for New Home Purchases
How much is the OCBC Bank loan interest rate for a new HDB flat purchase?
What is the difference between a HDB Housing Loan and a Bank Loan?
How much loan can I get for a new private property housing purchase?
Can I get a housing loan with bad credit?

Apply via Myinfo

You can now pre-fill your home loan application via Myinfo with a secure, enhanced and fully digital process from application to acceptance.

or

Get us to contact you

Simply fill up the form and we will get back to you within 2 working days.