Lower monthly instalments
Enjoy interest savings when you refinance your current loan with a more attractive package.
Complete range of loan packages
Take advantage of wide range of pricing packages to suit your financing needs.
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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| 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%) | Thereafter1.80% (Board + 1.00%) | Thereafter3M SIBOR + 1.00% | Thereafter1M Compounded SORA + 1.40% |
Step 1
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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
Nationality
Singaporeans, Singapore PRs and foreigners
Minimum loan amount for SG private home loan
S$300,000
Minimum loan amount for HDB loan
S$200,000
1. Your online refinancing application may require 1 working day to process due to additional checks performed.
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.
or find out more by getting us to call you.
Get cash reward of up to S$2,500 per loan Learn more
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.
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.
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.
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.
