Property Equity Financing

  • property-equity-financingproperty-equity-financing

    Unlock the value of your property to get cash


    Hello SORA

    Welcome to the new UOB 3-Month compounded SORA Home Loan package.

    Find out more


Have you thought of how your private or commercial property can get you cash?

Tap the enhanced value of your property to make the most of it.

As you repay your mortgage, you will gradually build up equity in your property. An increase in your property value can also increase the equity that you can take advantage of. You can borrow against that equity when you need cash, using a term loan, an overdraft (for commercial property only) or a combination of both.



Property equity financing enables you to obtain funds to meet your financial needs and goals. By tapping the equity in your property, you can take advantage of lower interest rates and use the money for whatever needs that arise.

Property equity term loans give you cash in a single upfront payment. You can manage your finances with more certainty as you can repay the term loan on a monthly basis, comprising the loan principal and interest. If you know exactly how much you need to borrow, a property equity term loan may be the best option.

Property equity overdrafts (for commercial property only) allow you to have cash on standby and you can draw down the standby cash as and when you need to, up to a maximum overall facility limit. You pay interest only on what you actually draw down. You also decide how much loan principal to repay at any time, without worrying about penalty fees.


Home Loan Packages


Choose from our wide range of loan packages to suit your financing needs.
Enjoy flexible options to pay down your loan partially or customise your loan to ensure you get the most out of it.

  • 3-Month compounded SORA Home Loan packageNew
  • Fixed-rate
  • Floating-rate
  • Combination of fixed-rate and floating-rate

Submit your loan application online now and our banker will be in touch with you to share more about the promotional rates.


UOB 3-Month Compounded SORA Home Loan Package NEW


Welcome to the new UOB 3-Month compounded SORA Home Loan package that gives you better control of your finances.

  UOB 3-Month Compounded SORA Home Loan
Year 1 3M Compounded SORA + 1.25% p.a.
Year 2 3M Compounded SORA + 1.25% p.a.
Thereafter 3M Compounded SORA + 1.40% p.a.
Lock in Period 1 year
Partial Prepayment during lock-in Flexibility to prepay. T&Cs apply.
Rate Refresh Every 3 months
Free Conversion 1 free conversion after lock in
Legal subsidy For refinancing only, 0.4% of loan amount capped at $1,800, subject to 3 year clawback.


3M Compounded SORA refers to the 3-month Compounded SORA that is published on MAS’ website.  It is currently at 0.12% p.a. (as at 15 Dec 2020). Find out more on SORA.

  • Above rates quoted are indicative and valid for completed residential properties in Singapore, for new purchase or refinancing from another bank/HDB.
  • Rates are subject to min. loan size.
  • Rates and benefits will only be confirmed upon issuance of Letter of offer. The Letter of Offer shall contain such terms and conditions as UOB may require in relation to each property loan.
  • Rates and benefits are subject to changes without prior notice.

Submit your loan application online now and our banker will be in touch with you to share more about the 3-Month compounded SORA Home Loan package.

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Illustration of 3-Month Compounded SORA

The 3-Month Compounded SORA is updated every 3 months.



D% and E% are 3-Month Compounded* SORA published by MAS on 4 Mar 2021 and 4 Jun 2021 respectively.


Find out more on how SORA works here


*Further reading material on use of SORA in financial contracts:


Next Step

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More Information

  • 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. The current applicable Board Rate is 0.85% p.a.
  • The BR offered for your loan package may be different from BRs offered to other customers for different loan packages.
  • 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.
  • 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.
  • 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.

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.