UOB 2-Year Fixed & 1M/3M SORA Home Loan

From 1.55% p.a.(S$1.55)

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UOB 2-Year Fixed & 1M/3M SORA Home Loan from [United Overseas Bank (UOB)](/entity/uob-singapore) prices from 1.55% p.a. (2-Year Fixed / 1M SORA, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,000–S$2,800 legal & valuation cash rebate.

Source: United Overseas Bank (UOB)

UOB 2-Year Fixed & 1M/3M SORA Home Loan from United Overseas Bank (UOB) prices from 1.55% p.a. (2-Year Fixed / 1M SORA, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,000–S$2,800 legal & valuation cash rebate.

Key Metrics

Specifications

LenderUnited Overseas Bank (UOB)

Package Structure: 2-Year Fixed / 1M 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$2,000–S$2,800 legal & valuation cash rebate

Offset / Account LinkUOB Home Solution instant approval across HDB & private condos

Pros and Cons

Pros

Sharp 1.55%–1.78% 2-year fixed pricing with optional free conversion after 12 months if SORA falls further
Seamless joint valuation with major Singapore developers

Cons

Step-up Year 3 spread (3M SORA + 0.85%–1.00%) requires timely repricing at end of Year 2
Subject to United Overseas Bank (UOB) 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 after Year 1 (on select 2-yr flexi fixed packages)

Things to Watch Out For

Step-up Year 3 spread (3M SORA + 0.85%–1.00%) requires timely repricing at end of Year 2
Subject to United Overseas Bank (UOB) Singapore Key Facts Sheet & campaign T&Cs

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