Revision of Standard Terms & Conditions Governing Credit Facilities
With effect from 15 January 2024, we will be revising the Standard Terms & Conditions Governing Credit Facilities (“the Standard Term”) for all property loans. Please click here for more details.

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Level up your home experience with up to S$2,500 cash* (for refinancing loans) and a Dyson Gift worth up to S$1,299* when you finance your private property with us.

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Same day approval and acceptance

Same day approval and acceptance

Get an in principle approval online within minutes, in the comfort of your home.

Potential savings

Potential savings

Save on interest payment and receive cash rebate of S$2,200* when you refinance.

Flexible terms

Flexible terms

Enjoy a free package conversion after the loan lock-in period.

A bridging loan for a smoother transition

A bridging loan for a smoother transition

We can provide a bridging loan to help you make the necessary downpayment for your new home first.

Things you should know

Terms and Conditions

#This means that, in the event that the redemption of the Loan is due to sale of the Property and this redemption is within the Lock in Period, the redemption fee will be reduced by 50% subject to UOB’s receipt of satisfactory documentary evidence of the sale of the Property. In addition, the Borrower will be eligible for a refund of the reduced redemption fee paid to UOB if the Borrower fulfills the following conditions:(i) the Borrower accepts a new loan from UOB of which the new loan amount is equal or higher than the redeemed loan amount;(ii) such new loan is accepted by the Borrower within 6 months from date of redemption of the Loan;(iii) the Borrower furnishes a signed copy of the Letter of Offer; and(iv) such other condition(s) as may be determined by UOB.

^This means that no prepayment penalty will be applicable to the first prepayment request made per year during the Lock in period and the prepayment amount for such request is cap at 20% of the original loan amount.

This publication is strictly for information purposes only and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. This publication is not an offer, recommendation, solicitation or advice to buy or sell any investment product. Nothing in this document constitutes accounting, legal, regulatory, tax, financial or other advice. You should consult your own professional advisors about issues discussed herein. While the information provided in this publication is believed to be accurate as at the date of publishing, UOB makes no representation or warranty, and accepts no responsibility or liability for its completeness or accuracy.



Secure your desired property with us today

Secure your desired property with us today

    Frequently asked questions

    What are the benefits of a UOB Home Loan?
    • Attractive interest rates and flexible repayment options.
    • Provides up to 75% financing of the purchase price or valuation of your new property, whichever is lower.
    • Applicant(s) must be between the ages of 21 and 65.
    • Singapore Citizens, Permanent Residents and foreigners may apply.

    Freehold Property

    • Up to 35 years or 75 years of age, whichever is earlier. For example, if you are 25 years old now and buying a freehold property, the maximum loan period is 35 years. The loan duration plus the age of the applicant must be less than or equal to 75 years.

    Leasehold Property

    • Up to 35 years or 75 years of age at end of loan tenor, whichever is earlier, and remaining lease of at least 30 years at the end of loan tenor
    • If the permitted residential property purchased is completed with TOP issued, instalment will be payable upon the drawdown of the loan and the instalments calculated are based on the full loan amount and loan tenor.
    • If the permitted residential property purchased is under construction, you can opt to pay your instalments based on the disbursed loan amount until the Temporary Occupation Permit (TOP) is issued. Thereafter the instalments will be calculated based on the outstanding over the outstanding loan duration.
    • Yes. However, for properties with a remaining lease of less than 30 years, CPF members are not allowed to use their CPF savings to service the monthly instalments or make direct payment to the property developer/vendor to buy a residential property.
    • Information on the use of CPF monies is available from the CPF website.
    • Completed duly signed UOB Property Loan Application Form
    • Copy of NRIC/Passport of applicants
    • Income documents:
      • Latest computerised payslip/IR8A
      • Two years’ tax return (for self-employed applicants)
      • Two years’ commission statement (for commission based applicants)
    • Option to purchase
    • Latest CPF statement of account (if CPF usage is involved)
    • Latest CPF withdrawal statement for existing property (if applicable)
    • Option of sale for existing property (if applicable)
    • Prior to the approval of your home loan application, we will appoint a valuer to assess the market value of the property. If this valuation is lower than your purchase price, you would have to pay the difference in cash before any loan can be disbursed.

    Yes. Fire insurance is required by the Bank to insure your property against fire.

    • UOB Home Loan offers wide range of home loan packages and flexible financing options to tailor your financial needs. Our packages include Fixed Rate package, Floating Rate Package and SORA-pegged rate package, or up to a combination of 2 of these packages. Please contact us for more details.

    New Purchase

    • If this is your first housing loan in Singapore, the financing is up to 75% of the purchase price or property market value, whichever is lower.


    • If you already have an existing residential property loan, the refinancing is up to 100% of your loan outstanding, or 90% of the property market value, whichever is lower.
    • Before deciding which property to buy, you may find it useful to understand the relevant regulatory guides on foreign ownership of permitted residential property in Singapore. Foreigners are only permitted to acquire or purchase certain types of residential properties in Singapore. Please refer to the Singapore Land Authority’s website and Housing & Development Board’s website for the types of residential properties which foreigners may acquire or purchase in Singapore.

    In addition to the property purchase price, you will have to make provision for the Legal Fee, Stamp Duty, Property Tax & Income Tax.

    • Legal Fee
    When buying property (including permitted residential properties), you need to engage a lawyer for legal contracts for the sale and purchase of the property (including permitted residential properties). You can request your Lawyer to give you an estimate of such stamp fees, legal fees and disbursements that will be incurred in the purchase of the property (including permitted residential properties).

    • Stamp Duty
    Stamp duty is a tax on executed document relating to properties (including permitted residential properties) or interest in properties (including permitted residential properties). These documents include a lease, sales & purchase, gift or mortgage of property (including permitted residential properties).To know more details and calculate your stamp duty, please log on to

    • Property Tax
    Property Tax is a tax on the property (including permitted residential properties), and is payable by the owner whether or not the property (including permitted residential properties) is owner-occupied, rented out or vacant. Property Tax is calculated based on a percentage (Tax rate) of the Annual Value of your property (including permitted residential properties). To know more details and calculate your property tax, please log on to

    • Income Tax
    Rent received from the letting of property (including permitted residential properties) in Singapore is subject to income tax. Your rental income includes rent of the premises, maintenance, furniture and fittings. After deductions for allowable expenses (such as property tax), the net amount is taxable. To know more details and calculate your income tax on rental, please log on to

    • Please leave your contact details and we will be in touch shortly, or call our UOB call center from 8am - 8pm at 1800 388 2121, or visit any UOB Group branch and speak to our Home Loans Specialist.

    Other services

    Other services

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    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.


    Refinance your residential or commercial property with UOB to enjoy great savings. Plus, unlock the potential of greater financial flexibility today!

    Property Equity Financing

    Property equity financing enables you to obtain funds to meet your financial needs and goals.

    Make TMRW yours, download now!