HDB Home Loan

  • HDB Home LoanHDB Home Loan

    A home loan that'll make you feel right at home

    Enjoy fixed home loan rates of 1.85% p.a.* for first two years.

    *Terms and conditions apply.

    Find out more


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 Online Exclusive

Sit back and unwind in your dream home with our attractive fixed rate home loan package.


Interest Rates (Loan to value <=80%)

  2Y Fixed Rate Package
Year 1 1.85% Fixed
Year 2 1.85% Fixed
Year 3 & Onwards 1M SIBOR + 0.55%
Penalty Period 2 Years
Legal Subsidy
(For Refinancing only)
0.4% of loan amount, capped at S$1,800 (Private Residential Home Loan) / S$1,500 (HDB Home Loan)

All rates are quoted on a per annum basis.
Rates quoted are non-contractual till acceptance of the Bank's letter of offer. For other attractive packages, speak to our banker to find out more.


  • The “United Overseas Bank Limited (“UOB”) Property Loans Online Exclusive” (“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 “UOB Property Loans Online Exclusive Promotion Sign Up” form that is available online by 20 July 2018. 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 27 July 2018.
  • 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.
  • UOB may vary these terms or suspend or terminate the Promotion without giving any notice.



Get the loan amount you need

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A bridging loan for a smoother transition

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Attractive interest rates and benefits

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  • Enjoy a loan of up to 75% of the purchase price of your new or resale HDB flat, or the valuation of your new home, whichever is lower.

    If you are purchasing a New flat, you can check out the prices at the HDB website. Alternatively, if you are intending to purchase a Resale flat, you can get a quick price estimate from recent HDB resale transactions.|

    It is so easy to qualify for our UOB HDB Home Loan. You can apply even if you:
    • own a 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 Concessionary Loan.


  • If you are expecting proceeds from the sale of your existing property, we can provide a bridging loan to help you make the necessary downpayment first. That way, you will not miss the chance to own your dream home.
  • If you are planning to sell your current flat, please visit the HDB website and find out how to get a valuation on your property. For an estimate on current market prices, you can get a good estimate from recent HDB resale transactions.


  • UOB offers a full suite of competitive interest rates. You can choose from our wide range of fixed-rate packages, floating-rate packages, or even a combination of them.

Terms and conditions apply

Apply Now

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

Contact Us

Got a question? Feel free to contact us:


Call Centre hotline:

1800 388 2121 (8am - 8pm)

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Visit any UOB Group branch and speak to any Home Loans Specialist

Visit a UOB Branch


Visit any UOB Group branch and speak to any Home Loans Specialist

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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 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