Money Lobang

POSB HDB Fixed Rate Home Loan

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3 yrs Ave. Rate 4.06%
Min. Loan $100,000

Last updated on 2023-09-12

POSB HDB Fixed Rate Home Loan Review


Fixed interest rates for 1st 2 years

Legal fees subsidy for refinancing


Unable to switch back to HDB loan after changing to bank loan

Higher fixed rates than HDB loan rates

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Property Loan Details POSB HDB Loan Fixed Rates

  Interest Rate^
1st year 3.75% p.a.
2nd year 3.75% p.a.
Thereafter 3m SORA + 1.00% p.a.
3 years average 4.06% p.a.


^ Interest Rate based on latest 3 Month SORA and assuming it stays the same for first three years


Legal fee subsidy of $1,800 for minimum $200,000 loan

Rates indicated are fixed and guaranteed for 2 years

Protects you from rate fluctuations for the first 2 years

At the end of the fixed rate period, the interest rates are pegged to 3m SORA rate to calculate interest rates

Waiver of commitment fee due to sale of property

Minimum loan amount of $100,000

2 years Lock-In period

New/re-financing owners are eligible


Promotions POSB HDB Loan Promotions

Receive up to S$750 cash from Money Lobang when you successfully apply or refinance for a property loan via our Property Loan Cashback Promotion


Make a loan enquiry about this POSB Fixed Rate Home Loan

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POSB HDB Fixed Rate Home Loan Review

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