From 1 April to 30 June 2026, refer your friend to refinance their HDB home loan of at least S$300,000 with OCBC and get rewarded.
You will receive S$250 for each successful referral. Terms and conditions apply.
Home Loan Refinancing
Lower your monthly home loan interest
Get up to S$2,800 cash reward per loan!Learn more
Enjoy faster refinancing and greater savings with customised and holistic home loan solutions.
Refer and Get Rewarded
Loving your OCBC Home Loan? Earn S$250 when you refer your friend!
Limited-time Offer
Enjoy a S$2,000 cash reward, plus a S$250 cash bonus when you switch your HDB loan to OCBC!
From 1 April to 30 June 2026, refinance your HDB home loan of at least S$300,000 with OCBC and enjoy a cash reward of S$2,000, plus a S$250 cash bonus.
Apply online or speak to our Mortgage Specialist today.
RECOGNISED BY LEADING INSTITUTIONS FOR PUTTING YOU FIRST
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benefits
Enjoy potential interest savings
Enjoy potential interest savings when you refinance your current loan with a more attractive package.
Complete range of loan packages
Take advantage of wide range of pricing packages to suit your financing needs.
Opt for our Eco-Care Home Loan
Be part of a greener Singapore with your sustainable home and enjoy significant savings.
home loan packages
Choose the loan package that best fits your needs for your HDB or private home.
- 1M / 3M Compounded SORA
3M Compounded SORA
Fixed
3M Compounded SORA |
Fixed(For completed properties only) |
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|---|---|---|---|
| 3M Compounded SORA | Fixed | ||
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Process
Step 1
Prepare your documents
Attach the following documents to your online application:
- Current bank loan statement showing outstanding loan amount
- For owner-occupied property, tax portal page to show subject property address and tax rate as "owner occupier"
- If your current loan is with HDB, submit the last 6M transaction record from the HDB InfoWEB portal
Step 2
Complete your application
Choose the type of financing required, select the loan package and upload your documents online. Apply using your Singpass for greater convenience.
For Eco-Care Home Loan, complete and pass THEEA. This takes just 2 minutes. Provide the assessment reference number in your loan application.
For Eco-Care Home Loan, complete and pass THEEA. This takes just 2 minutes. Provide the assessment reference number in your loan application.
Step 3
Your letter of offer will be ready soon!
If your loan is approved, you will receive a letter of offer via email and SMS. Otherwise, we will contact you if we need more information.
Step 4
Accept our loan offer
You can accept our loan offer by clicking on the link in the offer email or SMS. Your letter of offer will be generated automatically after acceptance. Please read through the terms and conditions carefully before accepting.
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.
before you apply
Eligibility requirements
Age
At least 21 years old
Nationality
Singaporeans, Singapore PRs and foreigners
Loan amount for Singapore private home loan
At least S$300,000
Loan amount for HDB loan
At least S$200,000
Additional information
1. Your online refinancing application may require 1 working day to process due to additional checks performed.
2. ABS Guide: The Association of Banks in Singapore and MoneySENSE guide, "What You Should Know About Housing Loans - Key Questions to Ask The Bank Taking a Housing Loan" is available and you are encouraged to read it before committing to a residential property loan.
ways to apply
Apply to refinance with OCBC Home Loan today
or find out more by getting us to call you.
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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.
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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.
- The 1M / 3M Compounded SORA rate applicable on a Saturday, Sunday and Public Holiday would be the last published 1M / 3M Compounded SORA rate. (For example, if the rate review date falls on a weekend, the 1M / 3M Compounded SORA rate applied for the next 1-month / 3-month period would be the 1M / 3M Compounded SORA rate published on the working Friday of that week.)
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If the 1M / 3M Compounded SORA is less than zero, zero will be applied.
-
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.
- The 1M / 3M Compounded SORA rate applicable on a Saturday, Sunday and Public Holiday would be the last published 1M / 3M Compounded SORA rate. (For example, if the rate review date falls on a weekend, the 1M / 3M Compounded SORA rate applied for the next 1-month / 3-month period would be the 1M / 3M Compounded SORA rate published on the working Friday of that week.)
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If the 1M / 3M Compounded SORA is less than zero, zero will be applied.
OCBC 2Y/3Y fixed rate
The illustration below is based on a 2 year fixed rate package.
OCBC Mortgage Board Rates
Keep 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 SIBOR
Latest SIBOR can be found here.
What are you here for?
Looking to reprice your existing OCBC home loan? Start your repricing application now.
CNY Cash Reward Promotion
Here’s a table breakdown of how much you can earn based on your loan amount.
| Loan amount | Cash reward |
| Between S$1,000,000 and S$1,499,999 | S$2,500 + S$388 |
| At least S$1,500,000 | S$2,800 + S$388 |
Promotional rates for 1M Compounded SORA pricing package
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.