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Singapore

Singapore Home Loan Refinancing

Save more when you refinance

High Loan Quantum
Refinance up to 80% of your property purchase price or valuation. Now you can take control of your monthly cash outlays and make your property decisions work in your interest!
Reduction Of Monthly Instalments
With the reduction in monthly instalment, the savings can be utilised for other expenses.
Other Features

For variable rate package – Building Under Construction (BUC) properties only. Interest rate to commence at loan disbursement or temporary occupation permit (TOP) issuance date, whichever is earlier.

For variable rate package - Completed properties only. Interest rate to commence within 3 months from date of the Letter Of Offer (LOF) or date of first disbursement of the mortgaged property loan, whichever is earlier.

Refinance your property with us

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HDB
Eligibility
  • Meet HDB eligibility
  • Click here for HDB eligibility requirements
Documents Required
  • Photocopy of NRIC (both sides)
  • Proof of Income:
  • Salaried Employee
1. Latest Computerised Payslip and Income Tax Notice of Assessment, or
2. Latest Computerised Payslip and latest 12 months CPF Contribution Statement
  • Self-Employed
1. Income Tax Notice of Assessment (NOA) for latest 2 years
  • Rental Income - Stamped Tenancy Agreement with remaining lease period of at least 6 months.
  • Other documents:
  • For all applications
A printout of Financial Information on HDB loan commitment via My HDB Page at www.hdb.gov.sg.
Latest statement of all credit facilities with other Financial Institutions or Moneylenders.
  • For Refinancing
Recent loan statement showing past 12 months repayment history; and recent loan statement showing the outstanding loan balance; and any of the following:
- Exercised Option to Purchase or Sale & Purchase Agreement,
- Stamp Duty Certificate for purchase of subject property
- A copy of Title Deeds
  • For Term Loan or Bridging Loan
- Latest CPF Public Housing Withdrawal Statement

Note: Notice of Assessment can be printed via my Tax Portal at mytax.iras.gov.sg

Loan repayment and outstanding statement for HDB can be printed via My HDB Page at www.hdb.gov.sg

Any other documents as may be requested by the Bank at its sole discretion.

Private Property
Eligibility
  • Singapore Citizens or Singapore Permanent Residents
  • Minimum 21 years of age
  • Borrower(s) must be mortgagor
Documents Required
  • Photocopy of NRIC (both sides)
  • Proof of Income:
  • Salaried Employee
1. Latest Computerised Payslip and Income Tax Notice of Assessment, or
2. Latest Computerised Payslip and latest 12 months CPF Contribution Statement
  • Self-Employed
1. Income Tax Notice of Assessment (NOA) for latest 2 years
  • Rental Income - Stamped Tenancy Agreement with remaining lease period of at least 6 months.
  • Other documents:
  • For all applications
A printout of Financial Information on HDB loan commitment via My HDB Page at www.hdb.gov.sg.
Latest statement of all credit facilities with other Financial Institutions or Moneylenders.
  • For Refinancing
Recent loan statement showing past 12 months repayment history; and recent loan statement showing the outstanding loan balance; and any of the following:
- Exercised Option to Purchase or Sale & Purchase Agreement,
- Stamp Duty Certificate for purchase of subject property
- A copy of Title Deeds
  • For Term Loan or Bridging Loan
- Latest CPF Public Housing Withdrawal Statement

Note: Notice of Assessment can be printed via my Tax Portal at mytax.iras.gov.sg

Loan repayment and outstanding statement for HDB can be printed via My HDB Page at www.hdb.gov.sg

Any other documents as may be requested by the Bank at its sole discretion.

MoneySENSE Guide

Before committing to a financial product, you are encouraged to read the ‘Understanding Financial Products’ by The Association of Banks in Singapore and MoneySENSE guide. Learn more