• Interest Rate (p.a)


  • Loan Type


  • Loan Rate Type


  • Lock in Period

    3 years

Loan calculator
Loan amount

Loan Tenure (years)
Product Type
Interest Rate (p.a)


Monthly Repayment


Whats so great about Bank of China Home Loan?
  • Fixed and SIBOR rate Packages
  • Flexible Repayments – Daily to monthly frequency
  • Overdraft facilities available

Product Features

Minimum Loan Amount S$200,000
Loan Tenure 5 years - 30 years

Fees & Charges

Charge of Insurer for fire insurance S$200
Loan statement S$50
Title deed for fully repaid loans S$500
Late payment charges Prime lending rate + 5%


Citizenship Status Singaporean, Permanent Residents, Foreigners who are residing and working in Singapore, Malaysians that are looking to invest in properties in Singapore.

Product Review by iMoney

Is BOC Home Loan Right For You?

Bank of China is the oldest bank in China still in service today. It is the 5th largest bank in the world by market capitalization value. Locally, it holds over 70 years of experience serving the Singapore community.

While it does have a personal banking segment, its core business remains to be in the corporate banking sector, providing expertise and specialising in China-related trade financing and settlements, and remittance services.

Home Loan Information

The mortgage loans from Bank of China are applicable to private properties as well as to HDB and Executive Condominiums. The packages are based either on the 3 month SIBOR or on the 3 month SOR rate and a special characteristic of their variable rate packages is that they offer the flexibility to switch between SOR and SIBOR rates without any charges to the home owner.