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Best home loan rate

Track Singapore's latest loan rates in one clear view

1.45%
p.a fixed
Updated 20 September 2026

Compare Home Loan, Personal and Car/COE loan rates, monitor rate trends, and get your best rates.

Latest Home Loan Rates Updated 19 Sep 2026 Latest 1M SORA 1.25% Latest 3M SORA 1.21% Top Fixed Rate 1.45% Top Floating Rate 1.41%

Top 3 Bank rates

Getting the best housing loan interest rate in Singapore is easy!

2-Year Fixed
1.45%
per annum
Apply Now
2-Year Floating
1.41%
per annum
Apply Now
Building Under Construction (Floating)
1.41%
per annum
Apply Now

Best For You

I’m buying a home Max 35 Tenures • 500K Max Loan • 1.4% p.a. Lowest Rate
I’m refinancing Max 35 Tenures • 500K Max Loan • 1.4% p.a. Lowest Rate
I need cash cashing out of home equity

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Interest rate trends

Sep 2024
Now
3.45% p.a.
-2.20%
Now
1.25% p.a.
3.45% p.a.
1.25% p.a.

Interest rate trends

Last updated: 17/09/26
SORA: 1.23%
Source: Google Sheet / MAS Domestic Interest Rates - Daily
Latest SORA
Overnight SORA
1.23%
1 Month Compounded SORA
2 years ago: 3.45%
1.25% (-2.20%)
3 Month Compounded SORA
2 years ago: 3.53%
1.21% (-2.33%)
6 Month Compounded SORA
1.15%
Rates shown are indicative and may vary by MAS & banks.

frequently asked questions