Singapore Property Cooling Measures 2026 Impact on Financing: Bank Rate Comparison Guide
Singapore's cooling measures 2026 will tighten LTV limits to 75% for HDB loans and maintain TDSR at 55%, directly impacting your borrowing power and monthly repayments. This Homejourney guide compares current bank rates across DBS, OCBC, UOB and others, helping you navigate ABSD impact mortgage and LTV changes 2026 for confident decisions in a trusted environment.
At Homejourney, user safety and transparency drive every insight. We verify data from MAS and HDB sources to ensure you avoid pitfalls in property measures financing. This cluster focuses on financing impacts, linking back to our pillar Singapore Cooling Measures 2026: Financing Impact Guide | Homejourney ">Singapore Cooling Measures 2026: Financing Impact Guide for full coverage.
How Cooling Measures 2026 Affect Your Home Loan
Cooling measures 2026 include LTV reductions from 80-90% to 75% for HDB, requiring 25% down payments—up from 10-20% previously[1][2]. TDSR caps debt at 55% of income, with stress tests at 3.5% rates, limiting loans even as SORA drops below 2%[2]. ABSD stays high at 60% for foreigners, but tweaks could ease for locals if markets cool[3].
These changes mean higher cash outlays: a $1M HDB flat now needs $250K down vs $100K before. MSR limits HDB payments to 30% income. Homejourney's bank-rates tool lets you compare real-time rates under these rules.
SORA Trends and Cooling Measure Context
SORA (Singapore Overnight Rate Average) benchmarks most floating loans, projected below 2% in 2026, cutting repayments 25-30% on SORA loans despite tighter LTV[2]. Fixed rates offer stability amid uncertainty.
The chart below shows recent interest rate trends in Singapore:
As seen, SORA's decline supports affordability, but cooling measures loan limits offset gains. Track live rates on Homejourney bank-rates.
Bank Rate Comparison: Top Lenders Under 2026 Rules
Compare Singapore Property Cooling Measures 2026 Impact on Financing: Bank Rate Comparison Guide essentials. Rates as of Feb 2026 (MAS-verified, subject to change; use Homejourney calculator for personalization). All under TDSR 55% and LTV 75%.
| Bank | Key Product | 3M SORA Rate (Effective) | Fixed Rate (2Y) | LTV Max |
|---|---|---|---|---|
| DBS | Home Loan (SORA PEA) | SORA + 0.60% (~2.1%) | 3.20% | 75% |
| OCBC | 360 Account Loan | SORA + 0.50% (~2.0%) | 3.15% | 75% |
| UOB | HomeSmart Loan | SORA + 0.65% (~2.15%) | 3.25% | 75% |
| HSBC | Home Smart | SORA + 0.70% (~2.2%) | 3.30% | 75% |
| Standard Chartered | Flexi Mortgage | SORA + 0.55% (~1.95%) | 3.10% | 75% |
Maybank, CIMB, RHB, Public Bank, Hong Leong, Citibank offer similar SORA +0.5-0.8%, fixed 3.1-3.4%. OCBC edges on lowest spreads for savers. Compare all instantly on Homejourney's bank-rates[1].
Pros & Cons Snapshot
- DBS: Best for HDB (fast HFE letters), but higher penalties. Ideal first-timers.
- OCBC: Lowest rates with 360 perks, great refinancing. Suits upgraders.
- UOB: Flexible lock-ins, strong service. Good for investors.
- HSBC/StanChart: Competitive for expats, but stricter docs.
Actionable Steps: Secure Best Loan Amid LTV Changes
- Calculate Eligibility: Use Homejourney mortgage calculator with TDSR 55%, 3.5% stress test. Example: $10K income affords ~$1.2M loan.
- Compare Rates: Visit bank-rates for real-time SORA across 11 banks.
- Apply Multi-Bank: One Singpass application gets offers from all—banks compete for you.
- Time Refinance: Lock fixed if SORA rises post-2026 tweaks[2].
- Search Properties: Filter budgets on Homejourney property-search.
Insider tip: For Tengah BTOs, secure HFE now—valid 9 months, needed for Feb 2026 launches[2]. Homejourney verifies eligibility instantly.
Homejourney: Your Safe Path to Financing
Trust Homejourney for verified rates, Singpass auto-fill, and multi-bank bids. Unlike others, we prioritize your security—no data risks. See Cooling Measures 2026: Boost Mortgage Approval Odds | Homejourney ">Cooling Measures 2026: Boost Mortgage Approval Odds for more.
FAQ: Cooling Measures 2026 Financing
Q: How do LTV changes 2026 affect my down payment?
A: HDB LTV drops to 75%, so $800K flat needs $200K down (cash/CPF). Use our calculator.
Q: Will ABSD impact mortgage options?
A: ABSD is upfront tax (17% second property), not loan-related, but tightens budgets. First-timers exempt.
Q: Best bank post-cooling measures?
A: OCBC for low SORA; compare on Homejourney.
Q: Can I get 90% LTV anymore?
A: No, max 75% bank/HDB in 2026[1][2].
Q: How to apply safely?
A: Via Homejourney—Singpass, multi-bank, broker guidance. Start at bank-rates.
Disclaimer: Rates fluctuate; consult professionals. Homejourney provides tools, not advice.
Ready? Compare rates now at and link to our pillar for full Singapore Property Cooling Measures 2026 Impact on Financing strategy.
