DBS Home Loan Rates & Packages in Singapore (2025)

🧾 DBS Loan Types: Fixed, Floating, Hybrid & BUC Explained

DBS is not just one of Singapore’s largest banks — it’s also known for innovation, transparency, and borrower-centric loan structuring. Unlike other lenders, DBS offers unique home loan packages backed by proprietary interest rate benchmarks (like FHR and SORA) and digital tools that simplify decision-making. Here’s a breakdown of the main DBS loan types and what sets them apart.

🔒 1. DBS Fixed Rate Home Loan

DBS fixed-rate loans are popular among first-time buyers who want stability. But what’s unique is DBS’s strategic fixed periods (usually 2 or 3 years), designed to lock in protection during economic uncertainty while remaining refinance-friendly after the lock-in.

• Best for: Homeowners who prefer stable monthly repayments

• DBS strength: Transparent break costs and fast repricing post-lock-in

🌊 2. DBS Floating Rate Home Loan (SORA-Pegged)

DBS was one of the earliest banks to embrace the SORA (Singapore Overnight Rate Average) system, replacing older benchmarks like SIBOR. Its SORA packages are clean, transparent, and fully MAS-compliant.

• Best for: Borrowers who want low entry rates and can tolerate slight fluctuations

• DBS strength: Real-time SORA data, clear spread structure, and no hidden mark-ups

🔄 3. DBS Two-In-One Hybrid Loan

This exclusive offering combines fixed and floating components into a single home loan. DBS pioneered this format to help buyers hedge against interest rate risk while retaining flexibility.

• Best for: Homeowners who want rate protection and flexibility

• DBS strength: Customizable fixed/floating split ratio with no admin fees

🏗️ 4. DBS BUC Loan (Building Under Construction)

DBS is a go-to bank for new launch condo buyers. Their BUC loan structure aligns with progressive payment schedules and charges interest only on disbursed funds, saving early-stage buyers from overpaying.

• Best for: Buyers of new launch condos or executive condos (ECs)

• DBS strength: Seamless loan conversion after TOP and flexible lock-in terms

🔗 5. DBS Bridging Loan

What makes DBS’s bridging loan attractive is that it’s linked directly with your home loan application, allowing faster disbursement with fewer documents — and no separate legal process.

• Best for: Upgraders who need funds before selling their current home

• DBS strength: No lock-in, interest-only repayment, and instant approval with bundled loan

✅ Why Choose DBS?

DBS doesn’t just offer multiple loan types — it offers a refined ecosystem around home financing:

• ✅ DBS Multiplier Account integration to earn bonus interest

• ✅ Digital tools like DBS MyHome Planner for loan planning

• ✅ Clear lock-in terms, minimal hidden charges, and award-winning service

🟢💬 Enquire Now via WhatsApp

✅ DBS Home Loan Eligibility Criteria (2025)

Wondering if you qualify for a DBS home loan in Singapore? Approval depends not just on your income level, but also the type of income, how it’s structured, and whether you can demonstrate sufficient funds or financial stability. Here’s what you need to know:

💼 Fixed Income Earners (Employees)

If you’re employed full-time with a stable monthly salary, DBS typically reviews:

• Latest 3 months’ payslips and CPF contributions

• Annual bonus (partial consideration)

• Consistency of income over time

✅ Tip: You can usually qualify for a DBS loan with a gross monthly salary as low as ~$2,000, as long as your TDSR (Total Debt Servicing Ratio) stays within 55%.

🧾 Self-Employed / Variable Income

If you’re self-employed, commission-based, or run your own business, DBS requires:

• Last 2 years of NOA (Notice of Assessment)

• Latest 6 to 12 months’ bank statements

• Business registration (if applicable)

✅ Important: Only 70% of your declared income is usually considered for loan eligibility, so it’s critical to ensure your NOA reflects your real earnings.

💰 Pledged or Show Funds (Supplementary Method)

If your income falls short, you may still qualify using:

• Pledged funds: Assets (e.g. fixed deposits, CPF, cash) pledged for 48 months can be converted into qualifying income

• Show funds: High cash balances shown over 6–12 months may strengthen your profile, especially for high-LTV loans

✅ These methods are often used for:

• Retirees

• Business owners with fluctuating income

• Younger applicants with family support

📊 Key Financial Guidelines for Loan Approval

Mortgage Financing Eligibility: TDSR, MSR, LTV & CPF Usage Explained

💬 Unsure If You Qualify?

Let us do the heavy lifting. At Ace Mortgage Advisory, we offer free eligibility checks, income analysis, and loan simulations to help you determine how much you can borrow from DBS.

🟢💬 Check My Eligibility

🔒 DBS Home Loan Lock-In Period & Early Repayment Penalties

Understanding the lock-in period and potential penalties is crucial when selecting a DBS mortgage package. Whether you’re taking a fixed rate or floating package, knowing the terms can help you plan your refinancing and repayments smartly — and avoid unnecessary costs.

⏳ What Is the Lock-In Period?

The lock-in period is the duration where you’re contractually committed to your home loan package. If you fully redeem, refinance with another bank, or break the terms during this time, you may incur a penalty.

Mortgage Lock-In Period for Housing Loan Packages Types

🧠 Note: DBS offers no lock-in options for certain floating-rate packages — ideal for borrowers who may refinance soon.

💰 Early Redemption Penalty

If you fully redeem your loan during the lock-in period (e.g. due to sale or external refinancing), DBS typically charges:

• 1.5% of the redeemed loan amount

Example: Redeeming a $600,000 loan early = $9,000 penalty

Partial repayments may be allowed during lock-in (see below), but conditions apply.

✂️ Partial Prepayment Rules

Want to make lump sum repayments toward your loan? Here’s how DBS handles it:

Mortgage Partial Prepayment Rules for Housing Loan

🔁 Repricing vs Refinancing

• Repricing: Switch to a new DBS package → Some DBS packages offer one-time free repricing during lock-in, which can be negotiated depending on your profile.

• Refinancing: Switch to another bank → Penalty applies during lock-in

🤝 Let Ace Mortgage Negotiate Better Terms for You

When you work with Ace Mortgage Advisory, we don’t just submit your loan — we help you negotiate better terms directly with DBS, such as:

• Shorter or no lock-in periods for floating packages

• Free repricing options built into the package

• Partial prepayment flexibility

• Preferential rates based on your loan size or credit profile

✅ Best of all — our service is 100% free, and you’ll still enjoy the same DBS promotions and offers.

🟢💬 Get Customized DBS Loan Quote

🏦 Compare DBS vs Other Banks for Home Loans in Singapore (2025)

Looking for the best home loan package in Singapore? DBS is a top choice — but how does it compare to other banks like OCBC, UOB, Maybank, and HSBC?

Here’s a breakdown of how DBS stacks up across key mortgage criteria, so you can make an informed decision before committing.

Key Features Comparison between DBS, OCBC and UOB Home Loans

🏠 Bank-Specific Highlights

DBS – Innovative Loan Structures

• Two-In-One Home Loan: Combines fixed and floating rates, allowing borrowers to hedge against interest rate fluctuations.

• DBS Multiplier Account: Integrates with home loans to offer higher interest on savings when salary and other transactions are credited to the account.

🤝 Making the Right Choice

Each bank offers unique advantages tailored to different borrower needs:

• Choose DBS if you’re looking for innovative loan structures and integrated financial planning tools.

📞 Need Personalized Advice?

At Ace Mortgage Advisory, we specialize in comparing home loan packages across all major banks in Singapore. Our experts can help you navigate the options and find the best fit for your financial goals.

🟢💬 Speak to a Mortgage Advisor

📝 How to Apply for a DBS Home Loan (Step-by-Step Guide)

Whether you’re buying your first home, upgrading to a private property, or refinancing, applying for a DBS home loan is a straightforward process — especially when you’re guided by professionals.

Here’s how the DBS home loan application process works in Singapore, and how we at Ace Mortgage Advisory make it seamless and stress-free for you.

✅ Step 1: Speak with an Advisor (Free Consultation)

Your journey starts with a quick call or WhatsApp chat with our mortgage advisor.
We’ll ask a few simple questions about:

• Your property type (HDB, condo, landed, BUC)

• Whether you’re purchasing or refinancing

• Your income structure (fixed salary, self-employed, etc.)

• Your desired loan amount and tenure

🔍 No paperwork needed at this stage — just a quick eligibility check and rate comparison.

✅ Step 2: Compare & Select the Right DBS Package

We’ll show you the latest DBS home loan rates and packages:

• Fixed, Floating, Hybrid or BUC options

• Lock-in periods and repricing flexibility

• CPF usage, grant eligibility (for HDB buyers)

• Monthly repayment estimates

You’ll get a side-by-side comparison of DBS vs other banks — all explained simply so you can make an informed choice.

✅ Step 3: Submit In-Principle Approval (IPA) Application

Once you’ve decided, we’ll help you submit your DBS In-Principle Approval (IPA) application.

📄 Required documents typically include:

• NRIC (front & back)

• Latest 3 months’ payslips or NOA (for self-employed)

• CPF contribution history

• Option to Purchase (OTP), if applicable

• Bank statements (if needed)

We’ll handle the submission through DBS’s digital loan portal, and keep you updated.

✅ Step 4: Loan Approval & Acceptance

Once your DBS loan is approved, we’ll walk you through:

• Reviewing the Letter of Offer (LO)

• Explaining important clauses (lock-in, penalties, free repricing)

• Coordinating with your lawyer and property agent

Once signed, the bank proceeds to disburse your loan upon legal completion.

✅ Step 5: Ongoing Support & Repricing Strategy

Our service doesn’t end after approval. We’ll help you:

• Track your lock-in period

• Advise when to reprice or refinance in future

• Ensure your DBS loan remains competitive year after year

💡 Our service is 100% free — DBS pays us a referral fee, so you enjoy all the bank’s promotions at no extra cost.

🤝 Let Us Handle the Application for You

Applying through Ace Mortgage Advisory means:

• No confusing forms or back-and-forth with DBS

• No need to compare rates on your own

• No cost to you

🟢💬 Apply for a DBS Home Loan Now

🚀 Apply for Your DBS Home Loan Today (Fast, Free & Hassle-Free)

Found the right DBS home loan package? Let us help you secure it — without the paperwork headaches.

At Ace Mortgage Advisory, we make it simple to apply for a DBS mortgage, whether you’re buying, refinancing, or upgrading. Our expert advisors will walk you through every step — from rate comparison to full approval — at zero cost to you.

✅ Why Apply Through Us?

• ✔ Access the Latest DBS Rates & Promotions

• ✔ Get Unbiased Advice from Licensed Mortgage Specialists

• ✔ Avoid Common Pitfalls like early redemption penalties, high lock-ins, or missed grants

• ✔ We Handle Everything — forms, submissions, approvals, follow-ups

• ✔ 100% Free Service — you enjoy the best DBS loan rates, and we’re paid by the bank

🗂 What You’ll Need to Get Started

Applying is simple — no OTP needed yet.
All we need are:

• Your basic income info (salary, self-employed, CPF etc.)

• Your intended property type (HDB, condo, BUC, etc.)

• Loan purpose (new purchase or refinancing)

📞 From there, we’ll guide you through the rest — step by step.

💬 Ready to Get Started?

Click below to chat with a mortgage advisor instantly, or schedule a callback at your convenience.

🟢💬 Apply Now via WhatsApp

⏱️ Takes less than 2 minutes. No fees, no pressure — just clear, expert help.