Updated May 14, 2025
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Terms & Conditions
UOB (United Overseas Bank) is recognized as a reliable and trustworthy bank in Singapore and South East Asia, offering consistent and affordable loan interest rates that are favourable to borrowers. The bank’s extensive network of branches throughout South East Asia allows it to reach a broad range of customers and provide satisfactory loaning services. Whether you’re in the market for a fixed or floating interest rate for HDB or regular home loans, UOB has got you covered with their appealing and noteworthy rates.
UOB is also a great option for foreigners looking to purchase property in Singapore, as the bank makes home loans available to interested parties from abroad. With an estimated outstanding global home loan portfolio of S$88.6 billion, UOB offers accessible loan costs, making it an excellent source of home loans for homeowners and prospective buyers alike.
One of the most attractive features of UOB’s home loans is their low-interest rates, available for all types of home loans and refinancing plans. As a result, the bank is a worthy option for those looking to purchase a new home or refinance an existing mortgage regularly. UOB’s outstanding reputation is reflected in its bank ratings, including the “AA-” and “Aa1” ranks, which are among the highest in the world. The bank has also been awarded the “Best SME Bank in Asia Pacific & Singapore” award by the Asian Banker society at the international Excellence in Retail Financial Service Awards.
To further enhance their customer experience, UOB has developed a fully digital home loan service system that allows users to enjoy end-to-end service via their partner agencies’ mobile apps. UOB understands the challenges that clients face and strives to provide convenient and innovative solutions to meet their needs. For foreigners seeking to finance their building projects with local mortgage plans, UOB is a highly recommended option.
It’s also worth noting that UOB is a significant financier of HDB projects, condominium buildings, and private properties. With a commitment to providing affordable and accessible mortgage solutions, UOB is an excellent choice for any borrowers in the market for a home loan.
UOB demands standard fees for partial repayment, full redemption and loan cancellation. These charges are similar to other merchant banks in Singapore. In the table below, the bank’s fees are displayed according to their loan types.
| Loan Type | Partial Repayment fee | Full Redemption Pinalty | Cancellation Fee |
| Board Rate | No fee if minimum outstanding balance of S$200,000 is maintained, otherwise 1.5% | 1.5% | 1.5% |
| Tracker Rate | N/A | N/A | 1.5% |
| Fixed Rate | 1.5% | 1.5% | 1.5% |
| BUC | N/A | N/A | 0.75% |
UOB offers some of the best refinancing housing loans in Singapore for both HDB and private property owners. 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 refinancing rates for HDB and private loans
| 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 | |
|---|---|---|---|---|---|---|---|
| No data found |
*Today's Mortgage Rates - 13 May 2025
| Bank | Scheme | Lock In Period | 1st Yr Interest | 2nd Yr | 3rd Yr | 4th Yr | |
|---|---|---|---|---|---|---|---|
| Promotion | 2 Year Fixed Flexi (With 200K Deposit) | 2 years | 2.42% | 2.42% | 3.80% | 4.00% | |
| SBI | 2 Year Fixed | 2 years | 2.55% | 2.55% | 3.90% | 3.90% | |
| Hong Leong Finance | 2 Year Fixed | 2 years | 2.55% | 2.55% | 4.04% | 4.04% | |
| Maybank | 2 Year Fixed (With 30K Deposit) | 2 years | 2.55% | 2.55% | 4.00% | 4.00% | |
| Promotion | 2 Year Fixed | 2 years | 2.55% | 2.55% | 3.65% | 3.90% | |
| DBS | 2 Year Fixed | 2 years | 2.60% | 2.60% | 3.40% | 3.90% | |
| Promotion | 2 Year Fixed | 2 years | 2.60% | 2.60% | 4.00% | 4.00% | |
| Promotion | 2 Year Fixed Flexi | 2 years | 2.60% | 2.60% | 3.65% | 3.90% | |
| Hong Leong Finance | 3 Year Fixed | 3 years | 2.60% | 2.60% | 2.60% | 4.25% | |
| Promotion | 3 Year Fixed Flexi | 3 years | 2.60% | 2.60% | 2.60% | 3.90% |
| Bank | Scheme | Lock In Period | 1st Yr Interest | 2nd Yr | 3rd Yr | 4th Yr | |
|---|---|---|---|---|---|---|---|
| Promotion | 1-Month SORA (With 200K Deposit) | 2 years | 3.00% | 3.05% | 3.00% | 3.00% | |
| OCBC | 3-Month SORA | 2 years | 3.40% | 3.40% | 3.65% | 3.90% | |
| SBI | 3-Month SORA | 2 years | 3.40% | 3.40% | 3.90% | 4.00% | |
| DBS | 3-Month SORA | 2 years | 3.45% | 3.00% | 3.00% | 3.00% | |
| Maybank | 3-Month SORA | 1 year | 3.45% | 3.45% | 3.45% | 3.90% | |
| Standard Chartered | 3-Month SORA (Priority Banking) | 2 years | 3.50% | 3.50% | 3.55% | 3.90% | |
| Promotion | 3-Month SORA | 2 years | 3.50% | 3.50% | 3.65% | 3.90% | |
| SBI | 3-Month SORA | 3 years | 3.65% | 3.65% | 3.65% | 4.00% | |
| SBI | 3-Month SORA | 0 year | 3.90% | 3.90% | 4.00% | 3.90% |
*Today's Mortgage Rates - 13 May 2025
| 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 | |
|---|---|---|---|---|---|---|---|
| No data found |
*Today's Mortgage Rates - 13 May 2025
| Bank | Scheme | Lock In Period | 1st Yr Interest | 2nd Yr | 3rd Yr | 4th Yr | |
|---|---|---|---|---|---|---|---|
| Bank of China | 3 Year Fixed (Green Mortgage) | 3 years | 2.40% | 2.40% | 2.45% | 3.90% | |
| Promotion | 2 Year Fixed Flexi (With 200K Deposit) | 2 years | 2.42% | 2.42% | 3.80% | 4.00% | |
| Bank of China | 2 Year Fixed Flexi (Green Mortgage) | 2 years | 2.45% | 2.45% | 3.70% | 3.90% | |
| Bank of China | 3 Year Fixed | 3 years | 2.45% | 2.45% | 2.45% | 3.90% | |
| Bank of China | 2 Year Fixed Flexi | 2 years | 2.50% | 2.50% | 3.70% | 3.90% | |
| Promotion | 2 Year Fixed | 2 years | 2.55% | 2.55% | 3.65% | 3.90% | |
| Maybank | 2 Year Fixed (With 30K Deposit) | 2 years | 2.55% | 2.55% | 4.00% | 4.00% | |
| Hong Leong Finance | 2 Year Fixed | 2 years | 2.55% | 2.55% | 4.04% | 4.04% | |
| SBI | 2 Year Fixed | 2 years | 2.55% | 2.55% | 3.90% | 3.90% | |
| DBS | 2 Year Fixed | 2 years | 2.60% | 2.60% | 3.40% | 3.90% |
| Bank | Scheme | Lock In Period | 1st Yr Interest | 2nd Yr | 3rd Yr | 4th Yr | |
|---|---|---|---|---|---|---|---|
| Promotion | 1-Month SORA (With 200K Deposit) | 2 years | 3.00% | 3.05% | 3.00% | 3.00% | |
| Bank of China | 3-Month SORA (Green Mortgage) | 2 years | 3.35% | 3.35% | 3.50% | 3.90% | |
| RHB | 1-Month SORA | 2 years | 3.35% | 3.40% | 3.90% | 3.90% | |
| Bank of China | 3-Month SORA | 2 years | 3.40% | 3.40% | 3.50% | 3.90% | |
| CIMB | 3-Month SORA | 2 years | 3.40% | 3.40% | 3.40% | 3.90% | |
| OCBC | 3-Month SORA | 2 years | 3.40% | 3.40% | 3.65% | 3.90% | |
| SBI | 3-Month SORA | 2 years | 3.40% | 3.40% | 3.90% | 4.00% | |
| DBS | 3-Month SORA | 2 years | 3.45% | 3.00% | 3.00% | 3.00% | |
| Maybank | 3-Month SORA | 1 year | 3.45% | 3.45% | 3.45% | 3.90% | |
| OCBC | 3-Month SORA | 2 years | 3.50% | 3.50% | 3.70% | 3.90% |
*Today's Mortgage Rates - 13 May 2025
Your analysis of the market should determine your choice of loan type and its ultimate impact on your total loan cost. It is not necessary to conside can always refinance your loan after your lock-in period has ended.
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 seeking affordable home loan interest rates
Mortgagers seeking introductory home loans that are tolerable
Mortgagers interested in refinancing their home loans with more than S$500,000 may not find the service
satisfactory.
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