Updated October 2, 2023
Fact-Checked
We put every effort into ensuring information on ROSHI is accurate and up to date. Double-check all details before applying or buying.
Disclaimer
Terms & Conditions
UOB is one of Singapore’s oldest merchant banks and is well known for its mortgage services. It is one of the largest financial institutions that offers some of the most competitive fixed and floating rates for various types of home loans. UOB estimates its outstanding global home loans to be S$88.6 billion and offers accessible loan costs which makes it a good source of home loans for interested homeowners. It provides manageable home loan packages and low-cost fixed and board rates for its valued customers.
UOB has a credible record as a home lender and offers attractive rates to prospective borrowers. Foreigners that desire to finance their building projects with local mortgage plans should consider the services of UOB. This innovative bank is also a major financier of HDB projects, condominium buildings and private property home loans.
Due to its unique banking style, impeccable reputation and overall attractive fixed rate and floating rate home loans, individuals seeking affordable loan rates and foreigners are advised to compare the rates of this bank with other alternatives. Clients that also prefer to refinance their home loans every few years will find this bank suitable for their needs.
UOB has the world’s highest credit ratings of “AA-” and “Aa1” and has been awarded the “Best SME bank in Singapore and the Asia Pacific” by the Asian Banker at the International Excellence in Retail Financial Service Awards.
UOB’s status as one of the established local commercial banks in Singapore and its loaning history of presenting home loan packages with interest rates that are reasonable to both new and existing property owners makes it worth considering as a source of home loans for borrowers. The progressive bank understands the inconveniences their clients encounter. So, they devised a fully digital home loan service system that allows users to enjoy end to end service via their partner agencies’ mobile apps.
UOB demands the standard service fees for partial repayment, termination and redemption services. However, currently, UOB does not have any available offerings for the public.
UOB offers some of the best HDB housing loans in Singapore. It is a major provider of building funds with total loan cost and affordable fixed and floating interest rates. In the table below are detailed descriptions of UOB’S current rates for HDB loans.
| Bank | Scheme | Lock In Period | 1st Yr Interest | 2nd Yr | 3rd Yr | 4th Yr | |
|---|---|---|---|---|---|---|---|
| UOB | 2 Year Fixed | 2 years | 3.20% | 3.20% | 4.68% | 4.68% | |
| UOB | 2 Year Fixed (Flexi) | 2 years | 3.25% | 3.25% | 4.68% | 4.68% | |
| UOB | 2 Year Fixed (Flexi) | 2 years | 3.30% | 3.30% | 4.68% | 4.68% | |
| UOB | 3 Year Fixed | 3 years | 3.35% | 3.35% | 3.35% | 4.68% | |
| UOB | 2 Year Fixed | 2 years | 3.35% | 3.35% | 4.68% | 4.68% | |
| UOB | 2 Year Fixed (Flexi) | 2 years | 3.38% | 3.38% | 4.68% | 4.68% | |
| UOB | 3 Year Fixed (Flexi) | 3 years | 3.40% | 3.40% | 3.40% | 4.68% | |
| UOB | 2 Year Fixed (Flexi) | 2 years | 3.45% | 3.45% | 4.68% | 4.68% | |
| UOB | 2 Year Fixed | 2 years | 3.45% | 3.45% | 4.68% | 4.68% | |
| UOB | 3 Year Fixed | 3 years | 3.50% | 3.50% | 3.50% | 4.68% |
*Today's Mortgage Rates - 01 October 2023
Homeowners that are considering a BTO unit will find the services of UOB remarkable and convenient for their needs. This renowned bank is among the most affordable lenders of home loans. The table below gives a detailed description of UOB’S current interest rates for BTO projects.
| Bank | 1st Year Interest | Lock-in Period | Apply Now |
| UOB | Check Live Rates |
UOB offers some of the best HDB loans and the lowest fixed and floating interest rates for private property purchases. Study the table below for UOB’s updated private property loan rates.
| Bank | Scheme | Lock In Period | 1st Yr Interest | 2nd Yr | 3rd Yr | 4th Yr | |
|---|---|---|---|---|---|---|---|
| UOB | 2 Year Fixed | 2 years | 3.20% | 3.20% | 4.68% | 4.68% | |
| UOB | 2 Year Fixed (Flexi) | 2 years | 3.25% | 3.25% | 4.68% | 4.68% | |
| UOB | 2 Year Fixed (Flexi) | 2 years | 3.30% | 3.30% | 4.68% | 4.68% | |
| UOB | 3 Year Fixed | 3 years | 3.35% | 3.35% | 3.35% | 4.68% | |
| UOB | 2 Year Fixed | 2 years | 3.35% | 3.35% | 4.68% | 4.68% | |
| UOB | 2 Year Fixed (Flexi) | 2 years | 3.38% | 3.38% | 4.68% | 4.68% | |
| UOB | 3 Year Fixed (Flexi) | 3 years | 3.40% | 3.40% | 3.40% | 4.68% | |
| UOB | 2 Year Fixed | 2 years | 3.45% | 3.45% | 4.68% | 4.68% | |
| UOB | 3 Year Fixed | 3 years | 3.50% | 3.50% | 3.50% | 4.68% | |
| UOB | 2 Year Fixed (Flexi) | 2 years | 3.50% | 3.50% | 4.68% | 4.68% |
*Today's Mortgage Rates - 01 October 2023
In addition to the above offers, UOB tends to offer attractive introductory home loans for building projects regarding private property and HDB buildings. Its interest rates and total loan costs are generally among the cheapest options in the region. UOB’S current interest rates for private property will be listed below.
| Bank | 1st Year Interest | Lock-in Period | Apply Now |
| UOB | Check Live Rates |
Once your application is live you will be able to review suitable loan options on your dashboard. One of our
mortgage brokers will follow up with you to discuss the best available options and next steps.
After you’ve decided on a preferred mortgage option one of our mortgage brokers will help process your
application.
Settle all fees (option fee, option exercise fee to the seller as well as the relevant buyer’s stamp duty fee in
case you are purchasing a private property).
Attent your property purchase appointment date and sign all legal documents for the transfer of the property,
paying all legal and valuation fees.
Individuals interested in budget-friendly home loan interest rates
Mortgagers seeking introductory home loans that are tolerable
Borrowers seeking home loan refinancing for loans of more than S$500,000 will find it inconvenient
Money Smart
Valuechampion
