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    1. Digital Token
    2. digibank
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    5. Loan
    6. Swift Code

 * Login

 * Loans
 * Home Loans


MANAGING YOUR EXISTING HOME LOAN

Your home loan is one of your biggest financial commitments. Let us help you
manage it better.

 * Loans
 * Home Loans


MANAGING YOUR EXISTING HOME LOAN

 * Understanding Your Loan Repayments
 * Reprice Your Loan
 * Redeem Your Loan
 * Partial Repayment (Repay your Loan)
 * Rates & Fees
 * SOR transition to SORA

Understanding Your Loan Repayments
 * Understanding Your Loan Repayments
 * Reprice Your Loan
 * Redeem Your Loan
 * Partial Repayment (Repay your Loan)
 * Rates & Fees
 * SOR transition to SORA

 * Loans
 * Home Loans


MANAGING YOUR EXISTING HOME LOAN

 


UNDERSTANDING YOUR LOAN REPAYMENTS


MONTHLY REPAYMENTS

Go towards paying down the principal and interest. They are payable from your
loan servicing account on:

1ST of every month for private properties 15TH of every month for HDB flats

If the due date falls on a Sunday or gazetted public holiday, the instalment
debiting will be made on the next working day.


USING YOUR CPF FOR LOAN REPAYMENTS

Revise your monthly repayment amount by applying at CPF website with your
SingPass.

 * Private Property
   By 20th of the month for deduction in the following month
 * HDB
   7 working days prior to the deduction on 10th - 13th of the month.


 


REPRICE YOUR LOAN

Explore repricing your existing DBS Home Loan for interest savings or switch to
a loan package that best suits your current need. Our repricing packages are as
attractive as our new loan packages, as we appreciate our existing home loan
customers for staying with us.

We now offer a suite of repricing packages, comprising of home loans pegged to
3M Compounded SORA or Fixed Deposit Home Rate (FHR).


REPRICING PACKAGES




FIXED RATE PACKAGES



Designed for customers who prefer stability and certainty in the monthly
instalment.

2-Year Fixed Rate Year 1 to Year 2 1.65% p.a. Year 3 and thereafter 3M SORA +
1.60% p.a. Commitment Period 2-Year Lock-in Minimum loan amount $100,000 Special
Feature 1 free conversion after 24 months


3-Year Fixed Rate Year 1 to Year 3 1.85% p.a. Year 4 and thereafter 3M SORA +
1.80% p.a. Commitment Period 3-Year Lock-in Minimum loan amount $100,000 Special
Feature 1 free conversion after 36 months


5-Year Fixed Rate (Exclusively for HDB homeowners) Year 1 to Year 5 1.65% p.a.
Year 6 and thereafter FHR6 + 1.60% p.a. Commitment Period 5-Year Lock-in Minimum
loan amount $100,000 Special Feature
 * 1 free conversion after 60 months
 * Waiver of commitment fee when you sell the property


FHR6 refers to the prevailing 6 months Singapore Dollar fixed deposit interest
rate for amounts S$1,000 to S$9,999 or such other sum as we may specify. FHR6 is
currently 0.200% p.a.

3M SORA (3-Month Compounded Singapore Overnight Rate Average) refers to the SORA
volume-weighted average rate compounded for 3 months period administered by the
Monetary Authority of Singapore, published by the Monetary Authority of
Singapore on or about 9:00 a.m, Singapore time, on the first business day of the
relevant month or on such other date as we may determine.

--------------------------------------------------------------------------------


FLOATING RATE PACKAGES



Designed for customers who prefer market benchmark rate, i.e. 3M Compounded
SORA.

3M Compounded SORA + 0.80% p.a. Year 1 to Year 2 3M SORA + 0.80% p.a. Year 3 and
thereafter 3M SORA + 1.00% p.a. Commitment Period 2-Year Lock-in Minimum loan
amount $300,000

The 2-year and 3-year FHR packages comes with a waiver of commitment fees when
you sell the property within the lock in period.

2-Year Lock-in FHR6 + 1.15% p.a. Year 1 to Year 2 FHR6 + 1.15% p.a. Year 3 and
thereafter FHR6 + 1.25% p.a. Commitment Period 2-Year Lock-in Minimum loan
amount $100,000 Special Feature
 * 1 free conversion after 6 months
 * Waiver of commitment fee when you sell the property


3-Year Lock-in FHR6 + 1.15% p.a. Year 1 to Year 3 FHR6 + 1.15% p.a. Year 4 and
thereafter FHR6 + 1.25% p.a. Commitment Period 3-Year Lock-in Minimum loan
amount $100,000 Special Feature
 * 1 free conversion after 6 months
 * Waiver of commitment fee when you sell the property


FHR6 refers to the prevailing 6 months Singapore Dollar fixed deposit interest
rate for amounts S$1,000 to S$9,999 or such other sum as we may specify. FHR6 is
currently 0.200% p.a.

3M SORA (3-Month Compounded Singapore Overnight Rate Average) refers to the SORA
volume-weighted average rate compounded for 3 months period administered by the
Monetary Authority of Singapore, published by the Monetary Authority of
Singapore on or about 9:00 a.m, Singapore time, on the first business day of the
relevant month or on such other date as we may determine.



Repricing your home loan is easier and faster, compared to refinancing your loan
with another bank. Find out more here.

To learn more about fixed and floating rate packages, please click here.

After approval of your repricing request, you could now accept the offer online
if all borrowers (including sureties) have a registered mobile number, email
address and active Internet Banking with us. Click here to update your contact
details.


REPRICING CALCULATOR

Find out how much you could save if you reprice.

Repricing calculator

Reprice my Loan

Repricing fees and prepayment charges (for loans within lock-in period) may
apply. For fees and charges please click here.


 


REDEEM YOUR LOAN

Notice: The loan redemption notice is reduced to 2 months with effect from 1 Jun
2021.

Selling your property or paying off your mortgage? Here's a guide to help you
redeem your home loan.


SELLING YOUR PROPERTY

We hope you had a good experience with DBS Home Advice. Please appoint a law
firm to handle the sale, and to serve the bank 2 months' notice to redeem your
loan.


PAYING OFF YOUR MORTGAGE

Have you considered harnessing the potential of your liquidity for maximum
returns? Instead of paying off your mortgage, you may want to invest your funds
in other DBS products that could earn you higher returns. Get in touch with us
and our Relationship Manager will reach out to you soon.

Nevertheless, if you would like to proceed to pay off your loan, follow these
steps:

Step 1:
Complete and submit this form 2 months before the intended redemption.

Step 2:
Appoint a law firm to discharge this mortgage. The title deed will be returned
to you.


SWITCHING TO ANOTHER BANK

We are sad to know that you are thinking of switching to another bank. We would
like to connect with you to see how we could better serve you. Please touch base
with us.

Get In Touch


 


PARTIAL REPAYMENT (REPAY YOUR LOAN)

Make an ad-hoc repayment to reduce your outstanding loan balance.

 * Minimum amount is S$10,000, in multiples of S$1,000.
 * Prepayment charges and/or clawback of fees will apply if the repayment is
   made within the commitment period.
 * For payment in cash, the repayment amount will be deducted from your loan
   servicing account. For payment using CPF funds, please give your instruction
   to CPF Board after submission of your request to us, via the CPF website.
   Steps to do so are available here.
 * Your instalment amount will be revised when you partial prepay while the
   remaining loan tenure remains unchanged.

Request Partial Repayment


WHAT’S NEXT?

You will receive a notification letter to inform you of the revised monthly
instalment within two weeks after your partial repayment has been successfully
processed. If you wish to revise your CPF monthly repayment amount, please do so
via the CPF Website.


CHANGING YOUR LOAN SERVICING ACCOUNT

Complete the Loan Servicing Account Authorisation form and mail it to us.


 


RATES & FEES

 1. View latest SIBOR Rates
 2. View latest SORA Rates
 3. View latest Adjustment Spread (Retail) for SORA Conversion Package (for
    existing SOR accounts)
 4. Fixed Deposit Home Rate (FHR)
    The Fixed Deposit Home Rate is calculated based on the prevailing fixed
    deposit interest rate of DBS Bank for amounts as stated in the Letter Of
    Offer. The prevailing S$ fixed deposit rates can be found here.
 5. Home Loan Fee Schedule
    
    Item Fee Change in loan tenure $250 Safekeeping of title deed for facility
    that has been fully repaid $300 per year Request for Statements (per
    statement)
    Current year
    Previous 2 years
    More than 3 years  
    $20
    $30
    $50 Administrative fee for use of third-party insurer for property insurance
    $100 per year


 


SOR TRANSITION TO SORA

If you have an existing property loan that references to 3 months Singapore
Dollar Swap Offer Rate (SOR), click here to find out more on SOR transition to
SORA.





THANK YOU. YOUR FEEDBACK WILL HELP US SERVE YOU BETTER.

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WE'RE SORRY TO HEAR THAT. HOW CAN WE DO BETTER?

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HOME PLANNING SHOULD BE STRESS-FREE

Buy, sell or rent your home, or plan for your home purchase.

USEFUL LINKS

 * Home Loan Terms & Conditions
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 * Terms & Conditions Governing Electronic Services
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OTHERS

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NEED HELP?

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   Get In Touch with Us

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THANK YOU. YOUR FEEDBACK WILL HELP US SERVE YOU BETTER.

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THAT'S GREAT TO HEAR. ANYTHING YOU'D LIKE TO ADD?

WE'RE SORRY TO HEAR THAT. HOW CAN WE DO BETTER?

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 * ©2022 DBS Bank Ltd|
 * Co. Reg. No. 196800306E

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