HDB Home Loan

  • Secure your dream home quickly with an instant Home Loan approval*

    *Terms and conditions apply.

  • Get you dream home faster with UOB HDB Home Loan

    Make informed decisions on your dream home and avoid missed opportunities with our Instant Home Loan Approval1.


    1Terms and conditions apply.


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 HDB Home Loan Online Exclusive

Settle into your home comfortably with our attractive home loan package. Enjoy interest savings through a promotional interest rate, cash rebate of up to S$1,650 when you refinance, and the flexibility to partially pay down your loan at any time. On top of that, enjoy a free package conversion after the loan lock-in period. Terms and conditions apply.

Plus, here’s a little sweetener - apply online now and receive an exclusive gift* from us upon your home loan acceptance. For a very limited time only, so get yours today.

Loan amount granted to Eligible Applicant(s)
as reflected on Letter of Offer
Your Gift
S$250,000 and above 1 unit of Ecovacs Robotic Vacuum Cleaner Deebot Ozmo Slim11
Worth S$399

Ends 31 December 2020. While stocks last. UOB may vary, suspend, or terminate this Promotion without notice. Terms and conditions apply.

Apply Now

NEW! Secure your desired property with our Instant Home Loan approval1.

Apply Online


For Singaporeans and PRs:
Click on "APPLY NOW" to apply for a new UOB Home Loan with forms pre-filled by retrieving your personal information with MyInfo. Applications submitted between 8.30am to 9pm daily will be processed instantly. Applications received outside these times will be processed the next working day.  

For Foreigners and U.S. Persons:
Please leave us with your details so we can contact and assist you.

1Instant approval refers to a conditional approval for a UOB Property Loan, and is granted based on the information provided by the applicant. It is processed and approved by UOB, and is subject to the applicable terms and conditions, including the necessary documentation verification and completion.

*Terms and Conditions:

  • This Promotion is not valid with third party referrals. Letters of offer issued by UOB in connection with the UOB HDB Home Loan have to be accepted within the campaign period of 1 September 2020 to 31 December 2020.
  • UOB may vary or suspend or terminate this Promotion without notice. Full terms and conditions apply; please see T&Cs.



Get the loan amount you need

Show moreShow less

A bridging loan for a smoother transition

Show moreShow less

Attractive interest rates and benefits

Show moreShow less
  • 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

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.