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SORA Calculator

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Housing Loan Interest Rates in Singapore

(Updated Daily)

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Property type
Purpose
Loan amount
Tenure
*No impact to credit score
Today's lowest housing loan rate
3.25%
p.a.
Rates are indicative and may vary by borrower profile, property type, and bank approval.
SORA 1M: 3.42% 3M: 3.47% 6M: 3.58%
Fixed / Floating Updated 10:30 AM (SGT)
Best for buyers purchasing a new HDB or private property. Compare packages by property type and lock-in terms.

Who is eligible?

Quick self-check

You’re generally eligible if you:

  • Stable income (salaried or self-employed)
  • Acceptable credit standing
  • Eligible property type (HDB / Condo / Landed / EC)
  • Meets bank age & tenure requirements
  • Can meet required cash/CPF contributions
Final approval depends on bank assessment.

What you’ll need

  • NRIC / FIN
  • Latest payslips or IRAS NOA
  • CPF contribution history
  • Option to Purchase / Sale & Purchase (for new purchase)
  • Existing loan statement (for refinancing)
Tip: Prepare documents early for faster processing.
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Check Eligibility
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  • No obligation
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Types of Housing Loans

Focus on lowest rates

Rates shown are indicative and may vary by profile and bank approval.

Fixed vs Floating Housing Loan Rates

Choose fixed for stability, or floating for flexibility—depending on your risk tolerance and timeline.

Fixed rate

Best for stability
  • Same rate for a fixed period (e.g., 1–3 years)
  • Easier budgeting and repayment certainty
  • May include lock-in conditions and fees

Floating rate

Best for flexibility
  • Rate moves with market conditions
  • Can start lower but changes over time
  • May offer more flexibility depending on package

Housing Loan FAQs

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Insight

latest Housing Loan News

Stay updated on rate movements, SORA trends and policy changes that may affect your home financing.