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HDB Home Loan

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With the UOB HDB Home Loan, you enjoy maximum interest savings, flexibility, convenience and a host of other benefits. Now, that’s what we call a total home solution.

Eligibility

It's so easy to qualify for the UOB HDB Home Loan.

You are eligible to apply as long as you are:

  • a Singapore Citizen or Permanent Resident
  • age 21 years old and and 70 years old at loan application
  • an HDB flat owner

It does not matter if you:

  • own private property
  • have a monthly total household income of more than S$8,000
  • are not upgrading to a bigger flat
  • have previously enjoyed HDB Concessionary Loan rates

In fact, you can apply for a UOB HDB Home Loan even if you qualify for HDB's Concessionary Loan.

Next Steps: Estimate Property Value

Estimate Property Value

Find out how much financing you need to purchase your flat. The UOB HDB Home Loan gives you financing of up to 80% of the purchase price or valuation of your property (whichever is lower).

  1. Buying A New HDB Flat?
    Check out the prices at the HDB website.
  2. Buying A Resale HDB Flat?
    Get a feel of current market prices from recent HDB resale transactions here.
  3. Selling Current HDB flat?
    If you are planning to sell your current flat, please visit the HDB website to find out how to get a valuation on your property.
  4. Refinancing Your Current HDB Flat?
    Get a feel of the current market prices from recent HDB resale transactions.

Current Market Prices
You can get an idea of the current market prices from recent HDB resale transactions.

The next step is to find out how much you can refinance your property for. The UOB HDB Home Loan gives you financing of up to 80% of the valuation of your property or outstanding loan (whichever is lower).

Next Step: Compare Rates & Benefits
Now that you have a good idea of your property value, find out the benefits you'll enjoy from taking up a UOB HDB Home Loan under compare rates & benefits.

Compare Rates & Benefits

With a fairly good idea of your property value and the amount of financing required, find out what benefits you'll enjoy when you take up a UOB HDB Home Loan.

UOB HDB Home Loan Packages
Loan TenureFixed Rate 1 Year Lock Package
Loan to Value =< 80%

1st Year 1.70% p.a. (Fixed)
2nd Year 1.80% p.a.
(2.70% off HDB Mortgage Rate_010308*)
3rd Year 2.65% p.a.
(1.65% off HDB Mortgage Rate_010308*)
Thereafter 3.75% p.a.
(0.75% off HDB Mortgage Rate_010308*)
* Current HDB Mortgage Rate_010308 is 4.50% p.a.
Loan Tenure Floating Rate 2 Years Lock Package
Loan to Value =< 80%

1st Year 1.45% p.a.
(3.05% off HDB Mortgage Rate_010508*)
2nd Year 1.85% p.a.
(2.65% off HDB Mortgage Rate_010508*)
3rd Year 2.65% p.a.
(1.85% off HDB Mortgage Rate_010508*)
Thereafter 3.75% p.a.
(0.75% off HDB Mortgage Rate_010508*)
* Current HDB Mortgage Rate_010508 is 4.50% p.a.
Loan Tenure Clear No Lock Package
Loan to Value =< 80%

1st Year Clear Rate_3M# + 1.25%
2nd Year Clear Rate_3M# + 1.25%
3rd Year Clear Rate_3M# + 1.25%
Thereafter Clear Rate_3M# + 1.50%
# Based on the prevailing Swap Offer Rate at point of disbursement / roll-over.
The Swap Offer Rate is a published rate that is available in The Business Times.


Next Step: Calculate Your Loan
Now that you know the benefits of a UOB HDB Home Loan, use our Loan Calculator to work out your monthly instalments.

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Calculate Loan

Now that you know the benefits of a UOB HDB Home Loan, work out your monthly instalments with our HDB Home Loan Calculator. Do you know that you can obtain financing of:

  • up to 80% of the purchase price or valuation, whichever is lower if you are buying a new/resale flat?
  • up to 90% of the valuation or 100% of the remaining loan, whichever is lower if you are refinancing your flat?

View UOB Home Loan rate

Click here to check your CPF balances.

Apply Now

  • Submit your application form online
  • Call us 24-hour, toll-free at 1800 388 2121
  • SMS to +65 81861373, +65 8186 1374, +65 81861375, +65 81861376
  • Visit any UOB Group Branch and speak to any Housing Loan Specialist
  • Contact us
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  • Supporting Documents for UOB HDB Home Loan:
      • Photocopy of Identity Card.
      • CPF Statement of Account.
      • Sales and Purchase Agreement, where applicable.
      • Option for Sale, where applicable.
      • Statement of CPF withdrawn under Public Housing Scheme and 6 month's loan statements (for refinancing cases).
      • Latest income payslip on security paper/ IR8A/ Income Tax Assessment.
        For self-employed, latest 2 years' Income Tax Assessment.
      • Valuation Report, where applicable.
      • Income Tax assessment.

More Information

Read our Frequently Asked Questions

Please ensure that you have on hand the supporting documents

Important Information for Home Loans:
  1. The Board Rate (BR) quoted is applicable only for the loan package that you are interested in (eg. HDB flat financing at fixed rate). The financial indicator(s) against which that BR is benchmarked, such as the SIBOR, Prime Rate or CPF rate, will also be disclosed.
  2. The BR offered for your loan package may be different from BRs offered to other customers for different loan packages.
  3. The BR can be changed by the bank anytime, by giving 30 days' notice, depending on market conditions and/or changes in the financial indicator(s) against which the BR is benchmarked. This 30-day notice requirement does not apply to home loans benchmarked against market indices.
  4. The loan repayment schedule for the loan package that you have chosen is available in either hard copy (on request) or soft copy in the form of a home loan calculator on the bank's website.
  5. The Association of Banks in Singapore's (ABS) Consumer Guide on Home Loans is available and you are encouraged to get a copy from the bank and read it before committing to a loan. This guide is also available on the MoneySENSE and ABS websites in four official languages.
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