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Best home loan rate

Track Singapore's latest loan rates in one clear view

1.31%
p.a floating
Updated 7 July 2026

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

Latest Home Loan Rates Updated 07 Jul 2026 Latest 1M SORA 1.18% Latest 3M SORA 1.11% Top Fixed Rate 1.45% Top Floating Rate 1.31%

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
1.31%
per annum
Apply Now
Building Under Construction (Floating)
1.31%
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

Jul 2024
Now
3.61% p.a.
-2.42%
Now
1.18% p.a.
3.61% p.a.
1.18% p.a.

Interest rate trends

Last updated: 06/07/26
SORA: 1.34%
Source: Google Sheet / MAS Domestic Interest Rates - Daily
Latest SORA
Overnight SORA
1.34%
1 Month Compounded SORA
2 years ago: 3.61%
1.18% (-2.42%)
3 Month Compounded SORA
2 years ago: 3.63%
1.11% (-2.52%)
6 Month Compounded SORA
1.09%
Rates shown are indicative and may vary by MAS & banks.

frequently asked questions