HDB Home Loan

Enjoy a total home solution with us. Our HDB Home Loan is designed to give you competitive interest savings, flexibility, convenience and a host of other benefits to answer your every need.


UOB Property Loans Festive Promotion

Receive up to S$1,000* worth of shopping vouchers when you take up a property loan with us. Plus,

Property loan amount accepted per property The Choice or Dairy Farm gift vouchers valued at
S$300,000 to S$1million S$500
Above S$1million S$1,000

Interest Rates

Floating Rate
Year 1 FDP + 0.95%
Year 2 onwards
Legal Subsidy (For Refinancing only) 0.4% of loan amount, capped at S$1,500

  • All rates are quoted on a per annum basis. The current FDP is 0.6500% p.a. Rates quoted are non contractual till acceptance of the Bank's letter of offer.
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  • FDP refers to UOB’s FD Property Loan Rate_36M which is calculated based on UOB’s thirty-six (36) month Singapore Dollar Fixed Deposit rate for amounts less than S$50,000 or such other sum as UOB may specify.
  • The “United Overseas Bank Limited (“UOB”) Property Loans – Festive Promotion” (“Promotion”) is valid for property loans for (i) new purchase of Residential Property; (ii) refinancing of existing property loan in respect of Residential Property, from another bank; or (iii) additional facility(ies) to be secured against Residential Property that have yet to be mortgaged to UOB. “Residential Property” means a residential property located or situated in Singapore, and which has been issued with a Temporary Occupation Permit.
  • To participate in the Promotion, customers will have to complete and submit the “Festive Promotion Sign Up” form that is available online by 21 March 2017. This Promotion is not valid with third party referral.
  • Letter of offer issued by UOB in connection with the property loan has to be accepted by 31 March 2017.
  • For property loans granted for new purchase of Residential Property, the loan amount will be computed based on the purchase price less the vouchers’ value.
  • MRTA stands for Mortgage Reducing Term Assurance policy.
  • Generally, MRTA policy provides coverage for the outstanding home loan amount that has been taken up for the housing purchase. Generally, in the event of Death or Total and Permanent Disability of the insured within the coverage term, the MRTA policy will pay a lump sum amount to the estate of the insured. Terms of the MRTA policy may differ from policy to policy.
  • UOB may vary these terms or suspend or terminate the Promotion without giving any notice.


Apply for New Loan

So what are you waiting for? Apply now and make your dream home a reality.

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Got a question? Feel free to contact us:

Call Centre hotline:
1800 388 2121
(8am - 8pm)
Visit any UOB Group branch and speak to any Home Loans Specialist

Ask About Existing Loan

Require assistance on your existing UOB Property Loan?

Fill in the Customer Assistance form if you require assistance on your
existing UOB Property Loan.

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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.