Join our savings quest! Every time your child grows their savings by at least S$10 each month, they will earn a S$1 reward in that month. Have at least S$300 in OCBC MyOwn Account to get started. Valid from 1 March to 31 August 2025.
T&Cs apply. Insured up to S$100k by SDIC.
Check the results of your HDB IPA request.Find out more
The Asian Banker Excellence in Retail Financial Services Awards 2022
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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
Apply with Singpass and get your home loan approved within 60 minutes.
Eco-care Home Loan
Be part of a greener Singapore with your sustainable home and enjoy more savings.
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.
Terms and conditions apply.
Build SG
Build SG
3M Compounded SORA |
Fixed(For completed properties only) |
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| To find out more about our packages, you can submit a home loan enquiry form or approach your Mortgage Specialist. | |||
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Use our OCBC OneAdvisor Affordability Calculator to find out how much you can borrow, based on your income, age and financial status.
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.
Minimum age
21 years old
Minimum loan amount for Singapore private home
S$300,000
Minimum loan amount for HDB flat
S$200,000
or have us call you regarding In-Principle Approval (IPA) or to find out more.
We offer both fixed and variable packages for HDB and private property. Please refer to our HDB & Private Home Loan packages above for more details.
There are several key differences between a HDB Housing Loan and a Bank Loan. Customers will have to weigh between the different loan-to-value limits including initial cash outlay requirements, loan tenure, interest rates packages and their respective prepayment fees before deciding which best suit their needs.
Home loan rules and pricing can be complex, hence customers should speak to a mortgage specialist to gain a deeper understanding of the financial considerations involved.
Those looking to purchase a new private property can loan up to 75% of their property’s valuation or purchase price, whichever is lower. This applies to customers with no outstanding home loans. For example, if the property is valued and purchased at S$1,000,000, the maximum loan amount is S$750,000. Other factors such as the loan tenure, Loan-To-Value (LTV) or Total Debt Servicing Ratio (TDSR) will also affect the final loan amount.
If you already have an existing home loan with another bank, you can also consider refinancing your home loan with us and enjoy interest savings.
Having a bad credit score can affect your loan eligibility. At OCBC Bank, our mortgage specialist will take into account your credit history as well as other factors such as your age, income and liabilities to assess your repayment ability.
Speak to our mortgage specialists to find out how you can secure a housing loan and what documents you will need to provide.
OCBC 2Y/3Y fixed rateThe illustration below is based on a 2 year fixed rate package.
OCBC Mortgage Board RatesKeep your loan amount in the first year. Prepayment fee of 1.5% will be charged if you pay down the loan in the first year.
3M SIBORLatest SIBOR can be found here.
6M SIBORLatest SIBOR can be found here.
Myinfo is a government service that enables Singaporean citizens and residents to manage the use of their verified personal data for online transactions.
Year 1: 1M COMPOUNDED SORA + 0.98%
Year 2: 1M COMPOUNDED SORA + 0.98%
Thereafter: 1M COMPOUNDED SORA + 1.40%
| Electricity Plans | Contract Duration | Promo Code | Entitlement |
| SUNSEAP-100 (Fixed Rate) | 24 months | OCBCECO80 | $80 Bill Rebate to be reflected on the 6th bill |
| SUNSEAP-100 (Discount Off Tariff) | 24 months | OCBCECO80 | $80 Bill Rebate to be reflected on the 6th bill |
The energy rate applicable for these plans can be found on Sunseap's website at www.sunseap.com at point of sign-up.
You can now pre-fill your home loan application via Myinfo with a secure, enhanced and fully digital process from application to acceptance.
Get us to contact you
Simply fill up the form and we will get back to you within 2 working days.
The Singapore Overnight Rate Average (SORA) is the volume-weighted average rate of borrowing transactions in the unsecured overnight interbank SGD cash market in Singapore between 8.00 am and 6.15 pm.
The 1M / 3M Compounded SORA is published by MAS at 9:00 am on all business days in Singapore and is computed by compounding the published SORA rate over the historical 1-month / 3-month period. Published by MAS since 4 August 2005 / 4 October 2005 respectively.
If the 1M / 3M Compounded SORA is less than zero, zero will be applied.
