Using daily refreshed partner rates.
Rate package
Home loans
Home loan application help in Singapore
Estimate a home loan, compare package fit, and send a tracked Homejourney Mortgage request.
Loan details
Home-loan estimates are indicative and must be verified against bank package terms before you commit.
To see how much you can borrow from your income and debts, use the borrowing calculator.
Monthly payment
S$4,473
- Loan amount
- S$1,110,000
- Total interest payable
- S$500,280
Cash needed
- Downpayment
- S$370,000
- BSD
- S$43,800
- Legal fees (est.)
- S$2,500
Submit a home loan request
Homejourney Mortgage will compare current packages and help you plan the next step.
- Loan amount
- S$1,110,000
- Loan tenure
- 30 years
- Loan purpose
- Purchase
Loan comparison
Compare daily refreshed partner packages, verified 28 Oct 2026.
Loan amount
Property
Buying or refinancing
| Package |  Maybank 3-Month SORA |  DBS 3-Month SORA Flexi |  OCBC 3-Month SORA Flexi | DBS 3-Month SORA |
|---|---|---|---|---|
| Interest rate (p.a.) | 1.47% | 1.52% | 1.52% | 1.55% |
| Monthly repayment | S$3,815 | S$3,841 | S$3,841 | S$3,858 |
| Total interest | S$263,400 | S$272,760 | S$272,760 | S$278,880 |
| Lock-in period | 2 years | 2 years | 2 years | 2 years |
| Minimum loan | S$1,000,000 | S$500,000 | S$800,000 | S$1,000,000 |
| Package notes | (Minimum loan amount requirement applies) Year 1: 3M SORA + 0.20% Year 2: 3M SORA + 0.20% Year 3: 3M SORA + 0.75% Thereafter: 3M SORA + 1.00% - One free conversion after lock in period - Waiver due to sale after 12 months Cash rebate for refinancing only 0.4% of loan amount, capped at $2,500 | (Minimum loan amount requirement applies) Year 1: 3M SORA + 0.25% Year 2: 3M SORA + 0.28% Year 3: 3M SORA + 0.55% Thereafter: 3M SORA + 0.75% - One free conversion after 12 months - No penalty for partial repayment during lock in - Waiver of penalty due to sale Cash rebate for refinancing only Private loan amount above 500K - $2,000 Private loan amount above 1.0M - $2,500 Private loan amount above 1.5M - $2,800 HDB loan amount above 250K - $2,000 | (Minimum loan amount requirement applies) Year 1: 3M SORA + 0.25% Year 2: 3M SORA + 0.25% Year 3: 3M SORA + 0.50% Thereafter: 3M SORA + 0.75% - One free conversion anytime - Waiver due to sale anytime - Up to 50% partial repayment is allowed during lock-in - No need to pay bank's fire insurance for MCST property Cash rebate for refinancing only Private Loan amount above 500K - $2,000 Private Loan amount above 1.0M - $2,500 Private Loan amount above 1.5M - $2,800 | (Minimum loan amount requirement applies) Year 1: 3M SORA + 0.28% Year 2: 3M SORA + 0.28% Year 3: 3M SORA + 0.45% Year 4: 3M SORA + 0.60% Thereafter: 3M SORA + 0.75% - One free conversion after lock in period - Waiver of penalty due to sale Cash rebate for refinancing only Private loan amount above 500K - $2,000 Private loan amount above 1.0M - $2,500 Private loan amount above 1.5M - $2,800 HDB loan amount above 250K - $2,000 |
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