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1.17% P.A. onwards.

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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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Ask About Our Home Loan Services!

A list of common questions prospective customers have for us.

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Usually, the Option to Purchase must be exercised within 2 weeks. Beyond which, your option fee may be forfeited. To safeguard yourself, you should obtain an in-principal approval from a bank before making the commitment to purchase and pay the option fee.
Usually, the minimum loan amount is $100,000 from a bank, to loan for the purchase of private property and HDB flats.
When making an offer, you will be required to place an option fee (1% of purchase price). When you exercise this option, you will usually be asked to pay another 4% of the purchase price. If it is your first property, you may borrow up to 80% of the purchase price or valuation (lower of two). Of the remaining 20%, 5% is to be paid in cash and the remaining in cash or CPF funds.
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