Using Singpass to apply for a home loan lets you submit a single loan application, auto-fill your income and CPF details via MyInfo, and quickly compare multiple bank offers through Homejourney’s mortgage comparison service. This Step by Step Singpass Loan Application Guide walks you through the full process, from checking eligibility to choosing the best loan offer safely and confidently.
This guide is part of Homejourney’s comprehensive Singapore mortgage pillar, where we explain everything from basic HDB eligibility to advanced refinancing strategies. Here, we zoom in on one critical part of that journey: how to use Singpass and Homejourney’s tools to apply to DBS, OCBC, UOB, HSBC, Standard Chartered, Maybank, CIMB, RHB and more with just one secure application.
What is a Singpass Home Loan Application?
A Singpass home loan application is a digital loan submission where your personal, income, CPF and property data are pulled securely from government sources via MyInfo, instead of you uploading documents manually.[1][3] For mortgages, this typically includes your NRIC details, latest CPF contribution history, IRAS Notice of Assessment (NOA), HDB flat information and other key records.[8]
On Homejourney, this Singpass-powered data is used to:
- Pre-calculate your borrowing capacity and stress-test against MAS Total Debt Servicing Ratio (TDSR) limits
- Auto-fill all major banks’ home loan forms for you with one submission
- Generate side-by-side comparisons of fixed and floating (SORA-pegged) packages so you can compare bank offers clearly
End-to-End Process Overview (From Idea to Approval)
For most Singapore buyers, the full Singpass home loan journey with Homejourney looks like this:
- Check how much you can borrow using Homejourney’s mortgage eligibility calculator
- Shortlist properties within budget on Property Search
- Use Singpass on Homejourney’s bank rates page to submit a single loan application
- Receive and compare multiple bank offers (DBS, OCBC, UOB, HSBC, Standard Chartered, Maybank and others) in one dashboard
- Select and lock in the best loan offer for your situation
- Complete any final bank KYC and sign the Letter of Offer
- Coordinate with your lawyer, seller/developer and HDB/URA for completion
Most buyers get in-principle approvals within a few working days; for straightforward profiles (e.g. salaried staff with stable CPF), banks can sometimes respond within 1–2 days. Always factor in time buffers if you are buying a resale HDB in towns like Tampines or Jurong West, where demand is high and option periods can be tight.
Step by Step Singpass Loan Application Guide (Using Homejourney)
Step 1: Calculate Your Eligibility Before You Apply
Before touching Singpass, you should know roughly how much you can safely borrow. This protects you from over-committing, especially with today’s higher interest rate environment under MAS’ tighter TDSR rules.
On the Homejourney bank rates page Bank Rates , use the built-in mortgage calculator Mortgage Rates or to:
- Estimate your maximum loan amount based on income, age and loan tenure
- See estimated monthly instalments at different SORA or fixed rates
- Test how your monthly payment changes if rates rise by 1–2%
Insider tip: If you are buying a 4-room HDB in Punggol or Sengkang where prices can be around S$550k–S$650k depending on lease and proximity to MRT, run scenarios at both your “ideal” and “worst-case” interest rates. This is how most prudent local buyers stress-test before committing.
Step 2: Prepare Your Singpass and MyInfo Records
Next, make sure your Singpass and MyInfo are ready. You will need:
- A working Singpass login (Face ID/Touch ID or password)
- Updated mobile number and email in your Singpass profile
- MyInfo permissions enabled so banks can retrieve your data with consent
To smoothen your Singpass home loan application, confirm these are up to date before you start:
- Employment details – Employer name, job title, income
- Residential address – Must match your NRIC or proof of address
- CPF records – Especially if you’ve been using CPF for an existing HDB or private property
Banks like DBS explicitly list documents such as IRAS NOA and 12 months CPF contribution history as part of their home loan requirements, but these can often be pulled digitally when you log in using Singpass.[8]
Step 3: Go to Homejourney’s Bank Rates Page
Once Singpass is ready, head to Homejourney’s Bank Rates & Mortgage Comparison page Bank Rates . This is where you can:
- View current promotional packages from DBS, OCBC, UOB, HSBC, Standard Chartered, Maybank, CIMB, RHB and others
- See both fixed-rate and SORA-pegged floating packages with real-time 3M/6M SORA tracking
- Filter by property type (HDB, condo, landed, EC) and purpose (purchase vs refinancing)
This single view replaces the old way of manually opening each bank’s site and trying to interpret scattered rate sheets or PDF brochures.
Step 4: Start Your Single Loan Application
On the same page, select whether you are:
- Buying a new property (HDB BTO, resale flat, or private)
- Refinancing an existing loan to a better package
- Doing a repricing within the same bank (where supported)
You will be prompted to enter a few key details:
- Property price or estimated valuation
- Loan amount you are seeking (e.g. 75% LTV for private or 80% for HDB, subject to MAS rules)
- Desired tenure (e.g. 25 or 30 years)
- Basic income and existing loan obligations
Homejourney uses this to quickly screen your profile and recommend a range of suitable packages before you even log in with Singpass.
Step 5: Log in with Singpass (MyInfo)
Once you proceed, you will be redirected to the Singpass login screen. This is the same trusted government login you already use for IRAS, CPF or HDB e-services.
You will:
- Log in using your Singpass app or password
- See a clear consent screen listing what data will be shared (e.g. income, CPF, address)
- Confirm access for Homejourney’s integrated loan application service
This is a secure, encrypted process that avoids emailing PDFs or WhatsApp-ing sensitive documents. Data is pulled directly from government sources like CPF Board, IRAS and HDB, reducing errors and the risk of fraud.[1][3]
Step 6: Auto-Fill and Review Your Application
After you grant consent, your application fields are auto-filled with verified information. At this stage you can review and edit non-locked fields, such as:
- Your contact preferences
- Any variable income components or bonuses not fully reflected yet
- Additional notes for banks (e.g. upcoming pay increments, change of job)
Insider tip: If you are self-employed (e.g. running a cafe in Tiong Bahru or a home-based business in Yishun), be extra careful that your IRAS NOA and business income are properly reflected. Banks will pay close attention to 2–3 years of NOAs for variable income borrowers.
