Private Home Loan

  • private-home-loanprivate-home-loan

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

    Enjoy fixed home loan rates of 1.95% Fixed* for first two years.

    *Terms and conditions apply.

    Find out more


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 1.95% Fixed
Year 2 1.95% 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.


Sign up now


*Terms and Conditions apply

  • 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 27 September 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 4 October 2018.
  • UOB may vary these terms or suspend or terminate the Promotion without giving any notice.



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 property, or the valuation of your new home, whichever is lower.


  • 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 for your new home first. That way, you will not miss the chance to own your dream home.


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

    In addition, you will enjoy these attractive benefits:
  • Preferential interest rates for a bridging loan. Terms and conditions apply.


Other Common Questions

  • 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 plus undisbursed loan amount 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 SIBOR 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.
  • Refinancing
    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.

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 to 8pm)


 Leave your contact details and we will be in touch shortly


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

Locate a branch

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.