• Interest Rate (p.a)


  • Loan Type


  • Loan Rate Type


  • Lock in Period

    1 years

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Whats so great about UOB HDB?

    Product Review by iMoney

    Is UOB HDB Home Loan Right For You

    UOB offers both fixed and floating rate packages. The lowest floating interest rate offered is in Internal Board Rate Package 2. However, it is tied to 2 years lock in period and it is recommended for those who are looking to sell their property after 2 years as the interest rate hikes up after the 2nd year.

    For those who are looking for a long term commitment with an idea of refinancing in the near future, 3 months SIBOR Package 2 will be the best choice, as it is only tied to one year lock in period with lower cumulative rate charges.

    If you are looking for fixed rate package, UOB’s 2 Years Fixed rate pegged to thereafter Internal Board package offers the highest premium rate compared to all the other UOB loan packages. Thus, it is suitable for buyers with lower income as you will be able to plan and pay a fixed monthly payment for 2 years.

    There are two packages with free lock in period. It again depends on the buyer if they prefer the interest rate to be pegged to Internal Board Rate or finds SIBOR rates more reliable. Nevertheless, the 3 Months SIBOR package 1 ( free lock-in period ) offers an overall lower pricing compared to the internal board rate package.

    Individuals that are risk takers and believe in future decrease of SIBOR rate can always benefit from this package. This package is applicable for either HDB or Private homes, it is also preferable for those who are looking into refinancing. They will be able to benefit from the flexibility and features that this packages offer.

    UOB also provides bridging loan to help you make the necessary down payment for your new home first. Over draft facility is also available as a finance option.

    Explaining Floating Rate Packages.

    Floating interest rate loans come in two different variants in. An IBR Package is based on the bank’s own Board Rates minus a discount stated in the Letter of Offer. SIBOR rate loans fluctuate according to the Singapore Interbank Offered Rate (SIBOR) as a benchmark

  • Fixed Rate: UOB fixed rate packages are pegged with Internal Board Rate after 2 years fixed period.
  • Floating Rate: UOB’s floating rate packages are pegged to the 3-month Singapore Interbank Offered Rate (SIBOR). SIBOR rates refresh every day. However, for home loan pricing, banks use the SIBOR rate on the first day of every month as a benchmark.
  • UOB's Fees & Charges

    Fees and Charges

    • - Default fee: A minimum fee of S$100 for each late repayment
    • - Changing the date for paying off the fee : S$200 for each notice
    • - Delay in releasing the A title deed custody charge of S$500 a year
    • - Administration fee for fire insurance that is not from OAC: $200 a year
    • - Loan statement: S$50 for each page

    How to Pay Your UOB Bank Mortgage?

    UOB Bank ATMs: Transfer funds from your UOB Bank Savings or Current accounts to make your payment at UOB Bank branches.

    Express Payment machine: Make a check or cash deposit at UOB Bank branches.

    Phone Banking: Issue instructions to have your bank account deducted to pay for your home loan with your T-PIN.

    Who Can Apply For UOB Home Loan?

  • Singaporean citizens and permanent residents.
  • Foreigners who are residing and working in Singapore.
  • Malaysians that are looking to invest in properties in Singapore.
  • If you are looking for HDB housing loans offered by other banks in the Singapore, you may also consider:

    OCBC 1M SIBOR HDB Home Loan
  • OCBC Bank offers low interest from as low as 1.31% and allows you to loan up until S$600,000 with loan tenure of up to 35 years. Best features from OCBC HDB Mortgage loan are number of IBR and SIBOR packages as well as low minimum loan amount.

  • Citibank 1M SIBOR HDB Home Loan
  • Citibank Singapore offers competetive HDB housing loan floating rate which pegged to Internal board rate or SIBOR. Enjoy package from Citibank that offers the lowest current interest rate. This loan is suits for investors or individual that keen to sell their property after the 3 years lock-in period.

  • You can also take a look at the full line-up of HDB property loan Singapore listed on our website and choose which is the right one for you.

    Utilise iMoney’s HDB home loan calculator to estimate your monthly repayments. If you are interested in taking out a UOB HDB home loan, Click the apply button and fill in a simple application form and you will be attended by experienced mortgage consultants