Home Loan (New Purchase)

Finance your dream home

Why you will love this

Choose from a range of pricing packages with support from a dedicated mortgage specialist

Simple and secure online application, with 60-minute approval

Opt for Eco-Care Home Loan for more savings

Who can apply

Singaporean, Singapore PR or foreigner above 21 years old

Loan amount must be at least S$200,000 for HDB flat or S$300,000 for Singapore private home

OCBC Home Loan lets you acquire your dream home faster with customised and holistic solutions.

benefits
Complete range of loan packages

Complete range of 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 securely via Myinfo and get your home loan approved within 60 minutes.

Opt for our Eco-Care Home Loan

Opt for our Eco-Care Home Loan

Be part of a greener Singapore with your sustainable home and enjoy significant 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 1M Compounded SORA pricing package 
  • One-time S$80 bill rebate with SUNSEAP-100 Plans, valid for new sign-ups from now till 31 December 2021 
  • Stand to earn OCBC$ from your energy savings and redeem them on the STACK marketplace

Terms and conditions apply.

See all Eco-Care Loans

partners of eco-care home loan
Build SG

Build SG

SUNSEAP

SUNSEAP

Build SG

Build SG

SUNSEAP

SUNSEAP

Home Loan Packages

Enjoy these Online Exclusive Rates for a selected time only. Select the loan that fits your needs.

  • OCBC 2Y/3Y/4Y fixed rate
  • OCBC mortgage board rate
  • 3M SIBOR
  • 1M Compounded SORA
OCBC 2Y/3Y fixed rate
OCBC mortgage board rates
3M SIBOR
1M Compounded SORA

OCBC 2Y/3Y fixed rate

(For completed properties only)

OCBC mortgage board rates

3M SIBOR

1M Compounded SORA

OCBC 2Y/3Y fixed rate OCBC mortgage board rates 3M SIBOR 1M Compounded SORA
Protects you from rate fluctuations for the first 2 or 3 years respectively.
Fixed for 2 or 3 years at 1.38%.
Fixed instalment within lock-in period.
Read more less
Bank–managed rate, that can be revised at any time (30 days’ notice will be given).
Each pricing package has a specific mortgage board rate identified by a unique code in the letter of offer and this rate and the associated spread may differ from packages offered to other customers or reflected on this webpage from time to time.
The current pricing packages for new applications are at a mortgage board rate of 0.80%.
Switch to another pricing package for free should the mortgage board rate increase.
Flexibility to prepay up to 50% of the loan amount within the lock-in period.
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Pegged to the 3-month SIBOR and reviewed every 3 months.
Instalments can increase or decrease depending on the SIBOR rate.
Flexibility to prepay up to 50% of the loan amount within the lock-in period.
Read more less
The 1-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.
Monthly rate changes. Each 1M Compounded SORA will be fixed on the Rate Review Date and will apply throughout the next 1-month period.
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
Year 11.38% (fixed) Year 11.30% (Board + 0.50%) Year 13M SIBOR + 1.00% Year 11M Compounded
SORA + 1.20%
Year 21.38% (fixed) Year 21.30% (Board + 0.50%) Year 23M SIBOR + 1.00% Year 21M Compounded
SORA + 1.30%
Year 31.60% (Board + 0.80%) Year 31.60% (Board + 0.80%) Year 33M SIBOR + 1.00% Year 31M Compounded
SORA + 1.40%
Thereafter1.80% (Board + 1.00%) Thereafter
1.80% (Board + 1.00%)
Thereafter3M SIBOR + 1.00% Thereafter1M Compounded
SORA + 1.40%
Process

Step 1

Find out how much you need

Use our calculator to find out how much loan you need for your home purchase.

Calculate here.

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 Myinfo.

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 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

Minimum age

21 years old

Minimum loan amount for Singapore private home

S$300,000

Minimum loan amount for HDB flat

S$200,000



Additional information

  1. Online loan approval and usage are only applicable for applications via Myinfo. 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

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.

or

Get us to contact you

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