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.
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.
Terms and conditions apply.
Build SG
SUNSEAP
Build SG
SUNSEAP
OCBC 2Y/3Y fixed rate(For completed properties only) |
OCBC mortgage board rates |
3M SIBOR | 1M Compounded SORA |
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|---|---|---|---|---|---|---|---|
| OCBC 2Y/3Y fixed rate | OCBC mortgage board rates | 3M SIBOR | 1M Compounded SORA | ||||
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|
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| Year 11.38% (fixed) | Year 11.30% (Board + 0.50%) | Year 13M SIBOR + 1.00% | Year 11M Compounded SORA + 1.20% |
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| Year 21.38% (fixed) | Year 21.30% (Board + 0.50%) | Year 23M SIBOR + 1.00% | Year 21M Compounded SORA + 1.30% |
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| Year 31.60% (Board + 0.80%) | Year 31.60% (Board + 0.80%) | Year 33M SIBOR + 1.00% | Year 31M Compounded SORA + 1.40% |
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| Thereafter1.80% (Board + 1.00%) | Thereafter 1.80% (Board + 1.00%) |
Thereafter3M SIBOR + 1.00% | Thereafter1M Compounded SORA + 1.40% |
Step 1
Step 2
Step 3
Step 4
Use our OCBC OneAdvisor Affordability Calculator to find out how much you can borrow, based on your income, age and financial status.
Minimum age
21 years old
Minimum loan amount for Singapore private home
S$300,000
Minimum loan amount for HDB flat
S$200,000
or get us to call you for In-Principle Approval (IPA) or to find out more.
OCBC 2Y/3Y/4Y fixed rateThe illustration below is based on a 2 year fixed rate package.
OCBC Mortgage Board RatesKeep 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 SIBORLatest SIBOR can be found here.
6M SIBORLatest SIBOR can be found here.
Myinfo is a government service that enables Singaporean citizens and residents to manage the use of their verified personal data for online transactions.
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.
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.
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 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.
If the 3M Compounded SORA is less than zero, zero will be applied.
