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Interest Rate

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Monthly Repayment

S$0

1. I want to borrow
S$
2. For how long
years
3. Other Products
Features: 
  • Lowest Home Loan Rates
  • Fixed and SIBOR rate Packages
  • Overdraft facilities available
Terms and Condition: 
  • Minimum loan amount : S$ 200,000
  • Loan value ratio : Up to 80%
  • Loan Tenure : Minimum 5 yrs and Maximum 30 yrs
  • Suitable for Completed/Uncompleted Private, HDB home loans and refinancing
  • Is RHB Home Loan Right For You?

    RHB Singapore offers the lowest home loan rates compared to any other banks. There are fixed rate and pegged to internal board rate packages, both packages have a 2 year lock-in period tie. The Internal Board Rate package offers a cheaper pricing rate compared to the 2 years fixed package. Those who are looking to refinance their home after two years will benefit from this package.

    However, those who would want to have a fixed payment However RHB also allows buyers to make a partial prepayment on their loan of up to 20% of the loan amount at no charge, even during a lock-in period. This is an advantage for buyers who wish to pay off their loan early. RHB also offers a subsidy of up to $2,500 at 0.5% of your loan amount on legal fee.

    Explaining RHB IBR Package

    IBR Package is based on the bank’s own Board Rates plus an Internal Board Rate –RHB’s internal board rate pegged package offers lower interest rate for the three years and increase from fourth year onwards. This makes Internal Board Rate packages much more suitable for short term investors than home buyers. In this case, The current RHB board rate is 4.50%. This rate remained since year 2010.

    RHB's Fees&Charges

    Fees and Charges

    • - Change of Insurer for fire insurance : S$200
    • - Loan statement : S$20
    • - Title deed for fully repaid loans : S$300
    • - Late Payment Charges : Prime lending rate+5%

    How to Pay Your RHB Bank Mortgage?

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

    Express Payment machine: Make a check or cash deposit at RHB 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 RHB Home Loan?

  • Singaporean citizens and permanent residents.
  • Foreigners who are residing and working in Singapore.
  • If you are looking for home loans offered by other banks in the Singapore, you may also consider:

    Standard Chartered Mortgage Loan

  • Standard Chartered is well-known for its fast in-principal approval with flexible repayment schemes. You can choose to increase your monthly repayments every year, allowing you to save on interest as your pay increases.

  • HSBC Home Loan
  • You only need to pay SIBOR+1.25% p.a. for the first 3 years with HSBC Housing Loan,. HSBC allows you to choose between having lock-in or no lock-in period. In addition, you can either choose 1-month SIBOR or 3-month SIBOR rate. You can now link your home loan account with current account by using SmartMorgage by HSBC. Consequently, you can reduce the interest payments on your property loan by offsetting interest earned on your current account.

  • Browse our full line-up of mortgage loan Singapore listed on our website and choose which suits your preferences.

    Work on iMoney’s home loan calculator and be sure on your decision. If RHB home loan is your choice, Click the apply button and fill in a simple application form and you will be attended by experienced mortgage brokers.

    Apply for free
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