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Enjoy preferential interest rates with DBS Green Home Loan

Purchasing a new Green Mark certified property? Enjoy preferential rates for your energy-efficient home.
Preferential rates for Building-Under- Construction homes that are Green Mark certified or selected properties earmarked for certification.
Flexible loan options including packages pegged to the Fixed Deposit Home Rate (FHR6) or 3M SORA.
Greater peace of mind with DBS Easy Switch, allowing you to start with FHR6 and switch to 3M SORA when it suits you.​
Alternatively, call 6333 0033 to speak to our friendly Home Advice Specialist, available Monday to Friday, 9am to 6pm (excluding public holidays).
Enjoy preferential interest rates with DBS Green Home Loan
Enjoy preferential interest rates with DBS Green Home Loan
Apply now
Overview
Overview
Benefits
Loan packages
FHR6 vs 3M SORA
Eligibility
How to apply
FAQ

How DBS Green Home Loan works for you

Looking to own a Green Mark certified home? Enjoy preferential rates with the DBS Green Home Loan, designed for homeowners maximising savings and energy-efficiency.

Preferential Interest Rate

Enjoy lower home loan rates when financing Building Under Construction properties that are Green Mark certified.

More Homes Qualify

Expanded eligibility now includes selected properties earmarked for BCA Green Mark. This means a greater chance for you to qualify for the Green Home Loan.

Live Enriched

Benefit from greater savings and energy-efficiency in a Green Mark certified home while contributing to a more sustainable future.

Choose from attractive Green Home Loan packages pegged to the Fixed Deposit Home Rate (FHR6) or 3M SORA.

Exclusive for private Building-Under-Construction (BUC) properties. View our Green Home Loan FHR6 Package​ below

Year 1 – 4

FHR6 + 0.58% (All-in rate: 1.38% p.a.)

Thereafter

FHR6 + 0.60% (All-in rate: 1.40% p.a.)

Minimum Loan Size

S$1,000,000

Features

2 free conversions
  • First conversion: to a pre-determined 3M SORA package before Temporary Occupation Permit (TOP) issuance
  • Second conversion: to a prevailing package of your choice after TOP issuance

Pre-determined SORA Package

No lock-in period
Year 1 - 2: 3M SORA + 0.28%
Year 3 - 4: 3M SORA + 0.30%
Thereafter: 3M SORA + 0.60%

Prefer a 3M SORA package? We have competitive 3M SORA options available. Get in touch with our Home Advice Specialists to learn more.

FHR6 vs 3M SORA

What’s the difference?​

FHR6

3M SORA

What is it?

FHR6

FHR6 or Fixed Deposit Home Rate is a loan package that’s pegged to our bank’s 6-month Fixed Deposit interest rate

3M SORA

3M SORA or Singapore Overnight Rate Average is the volume-weighted average rate of actual borrowing transactions in the unsecured overnight interbank SGD cash market in Singapore, published in the last 3 months
Type of interest rate

FHR6

Floating rate changes are based on the discretion of the bank, in response to market conditions.

3M SORA

Floating based on overnight interbank borrowing rates and fluctuations are in response to central bank policies and economic factors.
When and where is it published?

FHR6

S$ Fixed Deposit rates are published on our website here.

3M SORA

SORA rates are published daily on the (MAS) website at 9am.

Eligibility Requirements

Property type

A) Private Building Under Construction (BUC) properties certified under the Building and Construction Authority (BCA) Green Mark scheme; or
B) Selected private BUC properties earmarked for Green Mark certification

BCA Green Mark rating requirement for certified properties

For properties certified under the BCA Green Mark scheme, the property must have attained a BCA Green Mark rating as reflected on the SLEB Green Mark Building Directory at point of loan application:

  • Platinum Positive Energy
  • Platinum Zero Energy
  • Platinum Super Low Energy
  • GoldPLUS Positive Energy
  • GoldPLUS Zero Energy
  • GoldPLUS Super Low Energy
  • Positive Energy
  • Zero Energy
  • Super Low Energy
  • Platinum
  • GoldPLUS

Selected properties earmarked for Green Mark certification

The selection of private BUC properties earmarked for Green Mark certification is determined by DBS’ internal assessment of projects earmarked for Green Mark certification.
Please connect with our Home Advice Specialists to find out more.

Get your DBS Green Home Loan in 4 easy steps

Not sure where to start? Every property and its purchasing journey is unique, that's why we've crafted a simple step-by-step guide to streamline the process, whether you're a first-time buyer or a seasoned homeowner.
1. Ensure you have DBS digibank accessBefore you kickstart your home loan application, ensure that you have digibank access for a seamless application journey. Whether you are new to DBS or POSB or have an existing account, getting your digibank access is as easy as 1-2-3! Simply refer to this guide to get started.
2. Submit your applicationComplete your home loan application and submit all required documents Refer to this list of documents you’ll need to prepare  and ensure you have a DBS/POSB savings account for loan disbursement..
3. Receive letter of offerOnce your loan is approved, you will receive a letter of offer via email. In instances where we require more information, our Home Advice Specialist will reach out to you.
4. Accept loan offerOnce you’ve accepted the loan offer, a letter of acceptance will be generated and emailed to you. Congratulations on your approved loan!

Frequently Asked Questions