Home Loan for HDB or Private Home
Fast-forward your online home loan approval to 60 minutes
OCBC Home Loan lets you acquire your dream home faster with customised and holistic solutions.
Your home loan approval in 60 minutes
Apply for a home loan online and get it approved within 60 minutes
Complete range of loan packages
Take advantage of our wide range of fixed and variable pricing packages to suit your financing needs.
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 1Y fixed rate(For completed properties only) |
OCBC mortgage board rates |
1M Compounded SORA |
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|---|---|---|---|---|---|
| OCBC 1Y fixed rate | OCBC mortgage board rates | 1M Compounded SORA | |||
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| Year 12.25% (fixed) | Year 11.58% (Board + 0.78%) | Year 11M Compounded SORA + 1.20% |
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| Year 21M Compounded SORA + 1.00% |
Year 21.68% (Board + 0.88%) | Year 21M Compounded SORA + 1.30% |
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| Year 31M Compounded SORA + 1.20% |
Year 31.80% (Board + 1.00%) | Year 31M Compounded SORA + 1.40% |
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| Thereafter1M Compounded SORA + 1.60% |
Year 41.80% (Board + 1.00%) | Thereafter1M Compounded SORA + 1.40% |
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| Thereafter 2.20% (Board + 1.40%) |
Step 1
Find out how much you need
Step 2
Submit your 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
Step 4
Accept our loan offer
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.
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 Singpass. 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.
Apply for an OCBC Home Loan today
or have us call you regarding In-Principle Approval (IPA) or to find out more.
OCBC 2Y/3Y 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.
Get us to contact you
Simply fill up the form and we will get back to you within 2 working days.
Lock in our National Day promotional rates Learn more