#2
DBS 2-Year Fixed & 3M SORA / FHR6 Home Loan
From 1.55% p.a.(S$1.55)
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DBS 2-Year Fixed & 3M SORA / FHR6 Home Loan from [DBS Bank Singapore](/entity/dbs-bank-singapore) prices from 1.55% p.a. (2-Year Fixed / 3M SORA / FHR6, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,000–S$2,800 cash rebate for refinancing >=S$500k.
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DBS 2-Year Fixed & 3M SORA / FHR6 Home Loan from DBS Bank Singapore prices from 1.55% p.a. (2-Year Fixed / 3M SORA / FHR6, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,000–S$2,800 cash rebate for refinancing >=S$500k.
Key Metrics
Specifications
LenderDBS Bank Singapore
Package Structure: 2-Year Fixed / 3M SORA / FHR6
Year 1 Effective Rate1.55% p.a.
Benchmark / SORA3M Compounded SORA (1.31%)
Lock-In Period2 years
Minimum Loan SizeS$500,000
Refinancing SubsidyUp to S$2,000–S$2,800 cash rebate for refinancing >=S$500k
Offset / Account LinkCounts as home loan category for DBS Multiplier Account up to 4.1% p.a.
Pros and Cons
Pros
- Competitive 1.55%–1.75% 2-Year Fixed rate with deep SGD deposit funding stability
- Counts as a qualifying category to unlock higher DBS Multiplier Account bonus interest
Cons
- Lowest 1.55% tier typically requires S$1M+ loan quantum (smaller HDB/private loans price at 1.65%–1.80%)
- Subject to DBS Bank Singapore Singapore Key Facts Sheet & campaign T&Cs
Eligibility
- Minimum loan quantum S$500,000
- subject to MAS Total Debt Servicing Ratio (TDSR <=55%) and Mortgage Servicing Ratio (MSR <=30% for HDB/EC). 1 free conversion after 12/24 months + 50%–100% waiver upon sale
Things to Watch Out For
- Lowest 1.55% tier typically requires S$1M+ loan quantum (smaller HDB/private loans price at 1.65%–1.80%)
- Subject to DBS Bank Singapore Singapore Key Facts Sheet & campaign T&Cs
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