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POSB / DBS HDB 3-Year Fixed Home Loan (1.78% p.a.)
POSB / DBS HDB 3-Year Fixed Home Loan (1.78% p.a.) from POSB Bank Singapore prices from 1.78% p.a. (3-Year HDB Fixed, benchmarked against Fixed vs HDB 2.60%) with a 3-year lock-in and S$1,800–S$2,000 cash rebate for HDB refinancing >=S$250k. Key Metrics: Lender: POSB Bank Singapore · Package Structure: 3-Year HDB Fixed · Year 1 Effective Rate: 1.78% p.a. · Benchmark / SORA: Fixed vs HDB 2.60% · Lock-In Period: 3 years · Minimum Loan Size: S$100,000 · Refinancing Subsidy: S$1,800–S$2,000 cash rebate for HDB refinancing >=S$250k · Offset / Account Link: No fall-below fee linkage + CPF OA auto-deduction. Eligibility: Minimum loan quantum S$100,000; subject to MAS Total Debt Servicing Ratio (TDSR <=55%) and Mortgage Servicing Ratio (MSR <=30% for HDB/EC). Penalty waiver if HDB flat is sold after MOP..
Peak Community Rank
#5
Active Rankings
1
Leaderboard
Year1 Rate Pct
1.78
Sora Spread Pct
0
Verified Structure
Verified Dossier Specifications
Pros Summary
Dedicated 1.78% p.a. 3-year fixed rate for HDB flats (82 bps below HDB's 2.60% concessionary loan) with a low S$100,000 minimum loan quantum; Penalty waiver upon HDB flat sale
Year1 Rate Pct
1.78
Sora Spread Pct
0
Cash Rebate Summary
S$1,800–S$2,000 cash rebate for HDB refinancing >=S$250k
Offset Account Feature
No fall-below fee linkage + CPF OA auto-deduction
Year2 Rate Pct
1.78
Inline Rivalry Ballot
Rankings Featuring POSB / DBS HDB 3-Year Fixed Home Loan (1.78% p.a.)
Verified Entity DossierRanked #5 in DBS 1.55% Fixed vs. POSB 1.78% HDB Loan? Top 10 Best Home Loan & SORA Mortgage Rates in Singapore 2026
Community Weigh-In & Debate
Should POSB / DBS HDB 3-Year Fixed Home Loan (1.78% p.a.) rank higher than #5 in DBS 1.55% Fixed vs. POSB 1.78% HDB Loan? Top 10 Best Home Loan & SORA Mortgage Rates in Singapore 2026?
Ranked #5 on "DBS 1.55% Fixed vs. POSB 1.78% HDB Loan? Top 10 Best Home Loan & SORA Mortgage Rates in Singapore 2026". Cast your vote to back or challenge this spot.
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Graph Relationships & Key Connections
1 connected node
Appears in 1 lists
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