Home Loan (New Purchase)

Different loans for different homes

  • Financing of up to 75%

  • Combination of pricing packages with no switching fees

  • Attractive interest rates

  • Dedicated customer care officers and mortgage specialists are just a phone call away

  • For refinancing, learn more by clicking here

How to apply


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Home search, affordability advisory, renovation, home insurance, and more.

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3 different packages to suit your needs

OCBC 2Y Fixed Rate

OCBC Home Rate 2 year fixed
  • Protects you from rate fluctuations for the first 2 years
  • Pegged to OCBC mortgage board rate (bank managed rate) from Year 3

OCBC mortgage board rates

OCBC Home Rate
  • Bank-managed rates and the bank can revise the values at anytime by giving you 30 days' notice.
  • In OCBC, mortgage board rates are defined for specific pricing packages. Should the mortgage board rate on your account be increased, you will have the flexibility to switch to another OCBC pricing package at no cost.
  • The current mortgage board rate pricing packages are availed with mortgage board rates at 1.55%.
  • You have the flexibility to prepay up to 50% of the loan amount within the lock-in period.

SIBOR-dependent rates

  • Rates are pegged to the 3-month SIBOR and reviewed every 3 months.
  • Payments can increase or decrease based on SIBOR rates

The interest rates indicated are fixed for the first two years.

This will also mean that your monthly instalment is fixed and will not change within those years.

At the end of the fixed rate period, the interest rates will be based on the long-term average of 1-month and 3-month SIBOR.

Customers can choose between different lock-in periods.

The lock-in period indicates the period where there will be penalty imposed on the customers if they decide to refinance or to redeem the loan. For packages with no lock-in period, the customer can choose to refinance or to redeem the housing loan package anytime.

The SIBOR may change every day. The bank uses the SIBOR on a specific date (also known as the Rate Review Date) and adds on a fixed percentage for the interest rate of the housing loan. The interest rate will be reviewed every 1 or 3 months, depending on the package chosen.

The bank uses the 15-month fixed deposit board rate and adds on a fixed percentage for the interest rate of the housing loan.

The 15-month fixed deposit rate is currently 0.25%


For HDB purchase, you must meet HDB eligibility

Private property
Everyone, including Singapore PRs and foreigners are eligible.


Talk to us about unlocking cash from your property too.

Amount you can borrow

From S$200,000 to 75% of valuation

Private Property
From S$300,000 to 75% of valuation

Comprehensive affordability
assessment and view homes

Application Process

  • Contact an OCBC Mortgage Specialist or talk to our branch staff
  • Submit documents at a branch or to an OCBC Mortgage Specialist
  • Get loan approval
  • Sign Letter of Offer

Learn more about the loan process for HDB Flat Purchase (Resale)


Learn more about the loan process for Private Property Purchase (Resale)

Learn more about the loan process for Private Property Purchase (Building Under Construction)

Looking to renovate as well?

Stretch your imagination and not your budget with the OCBC Renovation Loan.

Find out more here

Find out more

  • Have us contact you
  • Call us at (65) 6363 3333

    Opening hours are from 9am to 6pm.
    Mondays to Fridays
    (excluding public holidays)

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