#3
OCBC 2-Year Fixed & 3M Compounded SORA Home Loan
From 1.55% p.a.(S$1.55)
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OCBC 2-Year Fixed & 3M Compounded SORA Home Loan from [OCBC Bank Singapore](/entity/ocbc-bank-singapore) prices from 1.55% p.a. (2-Year Fixed / 3M SORA, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,500 refinancing cash subsidy.
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OCBC 2-Year Fixed & 3M Compounded SORA Home Loan from OCBC Bank Singapore prices from 1.55% p.a. (2-Year Fixed / 3M SORA, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,500 refinancing cash subsidy.
Key Metrics
Specifications
LenderOCBC Bank Singapore
Package Structure: 2-Year Fixed / 3M SORA
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$2,500 refinancing cash subsidy
Offset / Account LinkQualifies for OCBC 360 Account Lend bonus interest
Pros and Cons
Pros
- 1.55%–1.75% 2-year fixed package or 3M SORA + 0.60% floating (~1.91% effective in Nov 2026)
- Fast digital repricing portal and Eco-Care green home loan perks
Cons
- 1.5% early redemption penalty within 2-year lock-in period unless waiver-on-sale rider is selected
- Subject to OCBC 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). Free conversion at lock-in maturity + partial prepayment flexibility
Things to Watch Out For
- 1.5% early redemption penalty within 2-year lock-in period unless waiver-on-sale rider is selected
- Subject to OCBC Bank Singapore Singapore Key Facts Sheet & campaign T&Cs
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