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

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


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

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


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

3M Compounded SORA


(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
Year 13M Compounded
SORA + 0.65%
To find out more about our fixed rate packages, you can submit a home loan enquiry form or approach your Mortgage Specialist. 
Year 23M Compounded
SORA + 0.65%
Year 33M Compounded
SORA + 0.80%
Thereafter3M Compounded
SORA + 1.00%

Step 1

Find out how much you need

Use our calculator to find out the loan amount you need to buy your HDB or private home.

Step 2

Submit your application

Choose the type of financing required, select the loan package and submit your documents online. The application process takes just 10 minutes with Singpass.

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

Wait for our letter of offer

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 email or SMS. Your letter of offer will be generated automatically after you accept. 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.


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


Minimum loan amount for HDB flat


Additional information

  1. Online loan approval and usage are only applicable for applications via Singpass. Please note delays or non-approvals of applications may occur for various reasons.
  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.
  3. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Ways to Apply

Apply for an OCBC Home Loan today

Common questions about Loans for New Home Purchases
How much is the OCBC Bank loan interest rate for a new HDB flat purchase?

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.

What is the difference between a HDB Housing Loan and a Bank Loan?

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.

How much loan can I get for a new private property housing purchase?

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.

Can I get a housing loan with bad credit?

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.

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.


Get us to contact you

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