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SORA Calculator

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Housing Loan Interest Rates in Singapore

(Updated Daily)

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Bank Type Interest Rate Action
2-Year Floating 1.13%

per annum

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2-Year Floating 1.17%

per annum

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2-Year Floating 1.23%

per annum

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2-Year Floating 1.47%

per annum

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2-Year Fixed 3.18%

per annum

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2-Year Fixed 3.2%

per annum

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2-Year Fixed 4.2%

per annum

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2-Year Fixed 4.4%

per annum

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Who is eligible?

Quick self-check

You’re generally eligible if you:

  • Stable income (salaried or self-employed)
  • Acceptable credit standing
  • Eligible property type (HDB / Condo / Landed / EC)
  • Meets bank age & tenure requirements
  • Can meet required cash/CPF contributions
Final approval depends on bank assessment.

What you’ll need

  • NRIC / FIN
  • Latest payslips or IRAS NOA
  • CPF contribution history
  • Option to Purchase / Sale & Purchase (for new purchase)
  • Existing loan statement (for refinancing)
Tip: Prepare documents early for faster processing.
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Check Eligibility
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Fixed vs Floating Housing Loan Rates

Choose fixed for stability, or floating for flexibility—depending on your risk tolerance and timeline.

Fixed rate

Best for stability
  • Same rate for a fixed period (e.g., 1–3 years)
  • Easier budgeting and repayment certainty
  • May include lock-in conditions and fees

Floating rate

Best for flexibility
  • Rate moves with market conditions
  • Can start lower but changes over time
  • May offer more flexibility depending on package

Housing Loan FAQs

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Insight

latest Housing Loan News

Stay updated on rate movements, SORA trends and policy changes that may affect your home financing.