Home Loan (New Purchase)

Fast-forward your online home loan approval to 60 minutes

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 our customised and holistic financing 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
  • Enjoy a one-time S$88 bill rebate when you sign up for Senoko’s LifeGreen24 plan

Terms and conditions apply.

See all Eco-Care Loans

partners of eco-care home loan
Build SG

Build SG

Build SG

Build SG

Awards for Eco-Care Home Loan

Mortgage Product of the Year

The Digital Banker Global Retail Banking Innovation Awards 2021

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
  • 1M Compounded SORA
1M Compounded SORA

1M Compounded SORA

1M Compounded SORA
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 11M Compounded
SORA + 0.98%
Year 21M Compounded
SORA + 0.98%
Year 31M Compounded
SORA + 1.00%
Thereafter1M Compounded
SORA + 1.00%
Process

Step 1

Find out how much you need

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

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.