Maybank
3-Month SORA
p.a.
Lowest indicative rate currently observed.
- Floating structure
- 2 years lock-in
- S$1,000,000 minimum loan
- Partner feed
Bank comparison
Compare Singapore home loan rates
Indicative interest rates and key terms from participating banks, side by side.
7 participating banks · 57 packages · Live · 21 Oct
Mortgage Master
3-Month SORA
p.a.
Lowest indicative rate currently observed.
- Floating structure
- 2 years lock-in
- S$1,000,000 minimum loan
- Partner feed
OCBC
3-Month SORA Flexi
p.a.
A competitive bank package.
- Floating structure
- 2 years lock-in
- S$800,000 minimum loan
- Partner feed
Full comparison
Compare every package detail
| Evaluation | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Indicative interest rate | 1.45% | 1.45% | 1.50% | 1.52% | 1.53% | 1.55% | 1.55% | 1.57% | 1.57% | 1.57% | 1.62% | 1.65% | 1.67% | 1.72% | 1.75% | 1.75% | 1.75% | 1.77% | 1.80% | 1.80% | 1.80% | 1.80% | 1.80% | 1.80% | 1.80% | 1.85% | 1.85% | 1.85% | 1.85% | 1.85% | 1.85% | 1.85% | 1.85% | 1.90% | 1.90% | 1.90% | 1.95% | 1.95% | 2.00% | 2.00% | 2.00% | 2.05% | 2.05% | 2.05% | 2.05% | 2.08% | 2.08% | 2.08% | 2.10% | 2.15% | 2.25% | 2.27% | 2.38% | 2.50% | 2.55% | 2.55% | 2.55% |
| Rate structure | Floating | Floating | Floating | Floating | Floating | Floating | Floating | Floating | Floating | Floating | Floating | Floating | Floating | Floating | Fixed | Fixed | Floating | Floating | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Floating | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Fixed | Floating | Floating | Floating | Floating | Fixed | Fixed | Fixed |
| Lock-in | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 3 years | 2 years | 2 years | 2 years | 2 years | 3 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 2 years | 3 years | 3 years | 2 years | 2 years | 3 years | 2 years | 3 years | 3 years | 3 years | 2 years | 2 years | Confirm with broker | 2 years | 2 years | 1 years | 3 years | 3 years | 3 years |
| Minimum loan | S$1,000,000 | S$1,000,000 | S$800,000 | S$800,000 | S$700,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$500,000 | S$700,000 | S$500,000 | S$1,000,000 | S$1,000,000 | S$450,000 | S$1,000,000 | S$500,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$500,000 | S$1,000,000 | S$500,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$100,000 | S$1,000,000 | S$700,000 | S$700,000 | S$400,000 | S$1,000,000 | S$450,000 | S$1,000,000 | S$100,000 | S$1,000,000 | S$1,000,000 | S$1,000,000 | S$100,000 | S$1,000,000 | S$1,000,000 | S$800,000 | S$450,000 | S$1,000,000 | S$100,000 | S$100,000 | S$100,000 | S$200,000 | S$300,000 |
| Rate source | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed | Partner feed |
Lowest observed rate is bold. The focused package is shown in peach. Rates are indicative; eligibility, promotions, and final bank approval can change the offer.
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Continue in the Homejourney app to review details, choose banks, and give consent.
Loan details
Rates and repayment estimates are indicative. Homejourney Mortgage verifies the final package with the bank before you decide.
Using daily refreshed partner rates.
Rate package
Monthly payment
S$4,473
- Loan amount
- S$1,110,000
- Total interest payable
- S$500,280
Cash needed
- Downpayment
- S$370,000
- BSD
- S$43,800
- Legal fees (est.)
- S$2,500
Integration
Works with Singapore's leading banks
Homejourney brings their home loan packages into one guided comparison. Find the right fit and apply without going from bank to bank.
API / MCP
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Agent workflow
Let your agent compare and apply
Copy the prompt to compare rates and complete an application with your confirmation. The MCP configuration connects supported agents to Homejourney.
{
"mcpServers": {
"homejourney": {
"url": "https://ai-apps.homejourney.sg/mcp"
}
}
}Using an MCP-compatible agent?
Copy the Homejourney endpoint for a connected workflow.
How Singapore home loan rates work
Fixed or floating
A fixed package holds its rate for the first two to five years, then usually moves to a floating rate. A floating package is priced as SORA plus a spread, so repayments change when SORA changes. Fixed rates give certainty; floating rates pass rate cuts on sooner.
What SORA is
SORA, the Singapore Overnight Rate Average, is the benchmark the Monetary Authority of Singapore publishes each business day. Most floating packages use 3-month compounded SORA, which reflects the past three months of overnight rates. Packages on 1-month SORA reset faster.
Lock-in and penalties
Most packages have a lock-in of two or three years. Repaying or refinancing within it usually costs a penalty, commonly 1.5% of the amount repaid, so compare the rate after the lock-in as well as the headline rate.
Home loan questions
What are the current home loan rates in Singapore?
On 21 October 2026, the lowest indicative first-year rate in Homejourney’s lender feed was 1.45% a year (Maybank, 3-Month SORA), across 7 lenders. Rates are indicative: your offer depends on the loan size, property type and the bank’s approval.
Should I take an HDB loan or a bank loan?
An HDB concessionary loan charges 0.1% above the CPF Ordinary Account interest rate, currently 2.6% a year, and has no lock-in. Bank loans are often cheaper, but their rates change, and once you switch from an HDB loan to a bank loan you cannot switch back.
Can I pay my home loan with CPF?
Yes. You can use your CPF Ordinary Account savings for the down payment and the monthly instalments, within the property’s valuation and withdrawal limits. When you sell, you refund the CPF you used, with accrued interest, to your account.
How much can I borrow for a home loan?
Your total monthly debt repayments cannot exceed 55% of your monthly income, the Total Debt Servicing Ratio. For an HDB flat, or an executive condominium bought from the developer, the home loan repayment alone is also capped at 30% of income, the Mortgage Servicing Ratio.
Work it out with the TDSR and MSR calculator