Money Lobang

POSB HDB Fixed Rate Home Loan

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3 yrs Ave. Rate 2.05%
Min. Loan $200,000

POSB HDB Fixed Rate Home Loan Review


Fixed interest rates for 1st 5 years

Stable and low fixed deposit interest rates (FHR)

Legal fees subsidy for refinancing

Lower than HDB loan rates


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

Need to take up Mortgage Reducing Term Insurance to enjoy lower rates

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Property Loan Details POSB HDB Loan Fixed Rates

  Interest Rate^
1st year 2.05% p.a.
2nd year 2.05% p.a.
3rd to 5th year 2.05% p.a.
Thereafter FHR + 1.60% p.a.
3 years average 2.05% p.a.


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

Property Loan Hotline Property Loans Watsapp: +65 82188190


Rates are applicable with purchase of ManuProtect Decreasing, ManuProtect Term, TermProtect or eDecreasingTerm Insurance

Rates are at 1.65% p.a. for first 3 years otherwise

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

Rates indicated are fixed and guaranteed for 5 years

Protects you from rate fluctuations for the first 5 years

1 free conversion after 60 months from the date of first disbursement so you can reprice your home loan at no cost

Waiver of commitment fee due to sale of property

At the end of the fixed rate period, the interest rates are pegged to the Fixed Deposit (FHR) rate to calculate interest rates

Fixed Deposit (FHR) rate is DBS Bank's prevailing 6 month Singapore Dollar fixed deposit rates which is currently at 0.20% p.a.

Enjoy savings from lower interest rates compared to HDB Concessionary Loan rate (2.6%)

Minimum loan amount of $200,000

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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