Mortgage Loans in Singapore

Get the best price on a home loan in Singapore

What’s your definition of a picture-perfect home? Is it a swanky penthouse at Orchard Boulevard? Or, is it a stunning condominium in the city? Maybe a nice HDB apartment in the heartlands for a romantic couple?

Whatever your choice is, you can turn your dream home into a reality with the right housing loan in Singapore. Buying your own home is perhaps the biggest decision of your life, and EasyRates can help lead you in the right direction leading towards a suitable home loan in Singapore.

How To Do Home Loan Comparison in Singapore

Just like home prices, the rates of mortgage loans in Singapore too fluctuate over time. As such, choosing a suitable home loan in Singapore is crucial to ensuring that you can comfortably afford your mortgage.

Should you choose a fixed rate or a floating rate? Finding the best home loan interest rate may seem confusing and difficult, especially since there are no hard and fast rules determining which type of loan is the best since no one can predict future interest rates with 100% accuracy. Overall, it’s advisable to simply choose a loan package option that you’re most comfortable with. See the below table for home loan comparison in Singapore.

  • Lowest Sibor Rate
    1.62% Yearly
    • Lowest SIBOR Rates in Singapore

    • Pegged to 1 Month Sibor Rate

    • Legal Subsidy Of $2,000

  • Lowest Floating Rate
    1.55% Yearly
    • Lowest Floating Rate in Singaapore

    • Pegged To Board Rate

  • Lowest Fixed Rate
    1.70% Yearly
    • Lowest Fixed Rates in Singapore

    • 2 Year Fixed Rate

    • Legal Subsidy at $1,000

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How To Choose A Home Loan

Just like home prices, mortgage loan Singapore rates too fluctuate over time. As such, choosing a suitable home loan Singapore is crucial to ensuring that you can comfortably afford your loan.

Should I choose a fixed rate or a floating rate? Finding the best home loan interest rate may seem confusing and difficult. Especially since there are no hard and fast rules determining which type of loan is the best (since no one predict future interest rates with 100% accuracy), so its advisable to simply choose a loan package option that youre most comfortable with.

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Short-term Fixed Interest Rates

Fixed monthly payments that protect you from rate fluctuations for the first 1 to 2 years, allowing you to plan your budget easily and reliably.

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Variable Interest Rates

Loans are pegged to the bank’s board rate and exchange the safety of assured fixed rates for generally lower interest rates.

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SIBOR-Dependent Rates

These rates are the most transparent rates in the market. They are pegged to the Singapore Interbank Offer Rates. This is the rates that the banks use, when they lend and borrow funds from one another. However, transparency comes at a cost. These rates are the most volatile in the market

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