RHB Refinance Home Loans

RHB Refinance Home Loan Rates (October 2023)
(Product Review)

Updated October 2, 2023

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Current RHB Refinancing Rates

Today's RHB refinance mortgage interest rate trends in Singapore - As of Monday, October 2nd, 2023, RHB’s interest rates for financing a 30-year fixed home loan stands at N/A for private properties and N/A for HDB’s. In terms of floating rates, RHB’s lowest refinancing interest rate for private properties stands at 4.13% and 4.23% for HDB’s.

Product Review

RHB was established in Singapore in 1961 as UMBC Bank which was before the country’s independence in 1965. After a series of expansions and strategic mergers, RHB Singapore became its new name. As a financial institution, it provides innovative solutions designed to help you progress.

Throughout the decades in Singapore, we have formed lifetime relationships with our clients and partners who have made us one of the most trusted financial institutions. According to our experience and knowledge, we now cater to a cross-section of clients with requirements ranging from personal banking to corporate financing.
RHB mortgage and refinance loans offer fixed and floating interest rates and repayment packages. Thus, allowing Singaporean customers to personalize their home loans. However, its interest rates are above average, which makes its mortgage loans expensive.

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RHB mortgage loans are ideal for people looking for long-term home loans with either fixed or floating interest rates. Since their interest rates are high, they may not be the best choice for cost-conscious consumers.

RHB’s Applicable Mortgage Fees

RHB charges a 1% processing fee and requires borrowers to undergo a 2-3 year lock-in period. If you fail to pay the monthly payment, you will be charged an extra 1% p.a. on the outstanding amount.

RHB Refinance Home Loans

With RHB, you can also refinance your home for 75% of the property purchase price or valuation. People often opt for this if the current market interest rates are low – and they want to lower their monthly payments on mortgages they already took out. Like RHB’s home loan, the interest rates are subject to the agreement you make with RHB. Unlike other refinancing loans, RHB does not offer cash incentives to refinance your property.

RHB Refinance HDB Home Loans

  • Fixed Rates
  • Floating Rates
Bank Scheme Lock In Period 1st Yr Interest 2nd Yr 3rd Yr 4th Yr
No data found

Bank Scheme Lock In Period 1st Yr Interest 2nd Yr 3rd Yr 4th Yr
RHB 1-Month SORA 2 years 4.23% 4.23% 4.68% 4.68%
RHB 3-Month SORA 2 years 4.83% 4.83% 5.08% 5.08%

*Today's Mortgage Rates - 02 October 2023

RHB Refinance Private Property Home Loans

  • Fixed Rates
  • Floating Rates
Bank Scheme Lock In Period 1st Yr Interest 2nd Yr 3rd Yr 4th Yr
No data found

Bank Scheme Lock In Period 1st Yr Interest 2nd Yr 3rd Yr 4th Yr
RHB 1-Month SORA 2 years 4.13% 4.18% 4.68% 4.68%
RHB 3-Month SORA 2 years 4.63% 4.63% 4.88% 4.93%

*Today's Mortgage Rates - 02 October 2023



  • Launch Application via the ROSHI Marketplace

    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.

  • Choose Suitable Mortgage Option

    After you’ve decided on a preferred mortgage option one of our mortgage brokers will help process your

  • Settle Fees & Charges

    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).

  • Appointment Date & Signing

    Attent your property purchase appointment date and sign all legal documents for the transfer of the property,
    paying all legal and valuation fees.


  • Flexible Refund Plans

    Individuals looking for long-term loans with flexible repayment options.

  • Higher Rates

    Individuals looking for the lowest interest rates


Loan Features
  • Processing Fee of 1%
  • Loan quantum of 75% of purchase price or valuation
  • Tenures from 5-30 years or until 65 years old, whichever is sooner
  • Higher interest rates than average