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Best Home Equity Loan Rates In Singapore

1st Year Rate


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1 Year

  • Year 1: 3 Month Sibor + 0.65%
  • Year 2: 3 Month Sibor + 0.65%
  • Year 3: 3 Month Sibor + 0.95%
  • Thereafter: 3 Month Sibor + 0.95%
1st Year Rate


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2 Years

  • Year 1: Fixed At 1.30%
  • Year 2: Fixed At 1.30%
  • Thereafter: CHR - 2.25%
1st Year Rate


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2 Years

  • Year 1: 2.10% (BOARD - 1.6%)
  • Year 2: 2.10% (BOARD - 1.6%)
  • Year 3: 2.10% (BOARD - 1.27%)
  • Thereafter: 3.33% (BOARD - 0.37%)

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Avoid The Difficult Paperwork

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Customer Reviews

“I loved the customer service you guys provided me. Gerald was was very nice and patient with questions I had.”

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“We received great advice from the team at Loan Experts. They helped us with everything from the loan selection to the paperwork!”

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"I had no experience with home loans before this and was very worried, but thanks to the team at Loan Experts I managed to get my loan done quickly, easily but most importantly cheaply!”

Jamie Lau

Ask About Our Home Equity Loan Services!

A list of common questions prospective customers have for us.

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A quick estimation of the borrowing amount from taking a home equity loan can be derived using this formula: (80% x current market value of property) – (Any outstanding home loan amount) – (Total CPF funds used including accrued interest) The lending bank will be able to provide a confirmed figure.
This depends on your chosen bank’s revision of interest rates. You may use our Loan Comparison Tool to compare loan offers from banks in Singapore before selecting your preferred lending bank.
Banks are more willing to lend if the value of your property appreciates significantly, since your home serves as collateral.
The typical documents required by banks are: - NRIC/Passport (Singaporeans) or Employment Pass (Foreigners)
- Notice of Assessment
- CPF Contribution History
- Payslips (or any other proof of current salary)
- Option to Purchase, or the Sale and Purchase Agreement
- Any other documents that the bank may request

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Vertex, 33 Ubi Ave 3 #05-04
Singapore 408868

Call us at

9003 9975