- Promotional 1M Compounded SORA pricing package
- Stand to earn OCBC$ from your energy savings and redeem them on the STACK marketplace
Terms and conditions apply.
OCBC Home Loan lets you acquire your dream home faster with customised and holistic solutions.
benefits
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
Apply securely via Myinfo and get your home loan approved within 60 minutes.
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:
partners of eco-care home loan
Build SG
Build SG
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
OCBC 2Y/3Y/4Y fixed rate(For completed properties only) |
OCBC mortgage board rates |
1M Compounded SORA |
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|---|---|---|---|---|---|
| OCBC 2Y/3Y/4Y fixed rate | OCBC mortgage board rates | 1M Compounded SORA | |||
|
|
|
|||
| Year 11.38% (fixed) | Year 11.30% (Board + 0.50%) | Year 11M Compounded SORA + 1.20% |
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| Year 21.38% (fixed) | Year 21.30% (Board + 0.50%) | Year 21M Compounded SORA + 1.30% |
|||
| Year 31.60% (Board + 0.80%) | Year 31.60% (Board + 0.80%) | Year 31M Compounded SORA + 1.40% |
|||
| Thereafter1.80% (Board + 1.00%) | Thereafter 1.80% (Board + 1.00%) |
Thereafter1M Compounded SORA + 1.40% |
Process
Step 1
Find out how much you need
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.
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
- 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.
- 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.
- This advertisement has not been reviewed by the Monetary Authority of Singapore.
Ways to Apply
Apply for an OCBC Home Loan today
or get us to call you for In-Principle Approval (IPA) or to find out more.
OCBC 2Y/3Y/4Y 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.
6M SIBOR
Latest SIBOR can be found here.
Myinfo
Myinfo is a government service that enables Singaporean citizens and residents to manage the use of their verified personal data for online transactions.
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.
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.
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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 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 3-month period. Published by MAS since 5 August 2020.
- The 3-month Compounded SORA rate applicable on a Saturday, Sunday and Public Holiday would be the last published 3-month Compounded SORA rate. (For example, if the rate review date falls on a weekend, the 3-month Compounded SORA rate applied for the next 1-month period would be the 3-month Compounded SORA rate published on the working Friday of that week.)
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If the 3M Compounded SORA is less than zero, zero will be applied.