Repricing Home Loan Rates

Reprice my Home LoanHome Loan repayment is a big expense item and could form a large proportion of your monthly expenses.If you are now eligible to switch from your existing DBS Home Loan to a new loan package, choose from our various Fixed or Floating rate packages, depending on your needs.Residential PropertyExplore repricing your existing DBS Home Loan for interest savings or switch to a loan package that best suits your current need.Our repricing packages are currently pegged to the Fixed Deposit Home Rate 24 (FHR24). FHR24 refers to the prevailing 24 months Singapore Dollar fixed deposit interest rate of DBS Bank for amounts S$1,000 to S$9,999 or such other sum as we may specify. FHR24 is currently 0.900% p.a.Repricing packages for accounts out of lock-inDesigned for customers whose DBS home loan accounts are out of lock-in or will be out of lock-in in 3 months’ time.Fixed Rate Packages

3-Year Fixed-Flexi Package
Year 1	1.50% p.a.
Year 2	1.50% p.a.
Year 3	1.50% p.a.
Year 4 and thereafter	FHR24 + 0.90% p.a. (1.80% all-in)
Commitment Period	3-Year Lock-in
Special Feature	1 FREE conversion after 18 months

5-Year Fixed-Flexi Package
Year 1	1.50% p.a.
Year 2	1.50% p.a.
Year 3	1.50% p.a.
Year 4	1.50% p.a.
Year 5	1.50% p.a.
Year 6 and thereafter	FHR24 + 0.90% p.a. (1.80% all-in)
Commitment Period	5-Year Lock-in
Special Feature	1 FREE conversion after 30 months

Floating Rate Packages

2-Year Lock-in Floating Rate Package
Year 1	FHR24 + 0.60% (1.50% all-in)
Year 2	FHR24 + 0.60% (1.50% all-in)
Year 3 and thereafter	FHR24 + 0.90% (1.80% all-in)
Commitment Period	2-Year Lock-in

Repricing Packages for accounts with free conversion featureDesigned for customers whose DBS home loan accounts are eligible for free conversion during the lock-in period.Fixed Rate Packages

3-Year Fixed Rate Package
Year 1	1.58% p.a.
Year 2	1.58% p.a.
Year 3	1.58% p.a.
Year 4 and thereafter	FHR24 + 0.90% p.a. (1.80% all-in)
Commitment Period	3-Year Lock-in
Special Feature	1 FREE conversion after Lock-in

5-Year Fixed Rate Package
Year 1	1.58% p.a.
Year 2	1.58% p.a.
Year 3	1.58% p.a.
Year 4	1.58% p.a.
Year 5	1.58% p.a.
Year 6 and thereafter	FHR24 + 0.90% p.a. (1.80% all-in)
Commitment Period	5-Year Lock-in
Special Feature	1 FREE conversion after Lock-in

Commercial PropertyEFR refers to the prevailing Enterprise Financing Rate (“EFR”) which is currently 6.50% p.a.SIBOR refers to the Singapore Interbank Offer Rate and it shall be obtained from The Association of Banks in Singapore (ABS) 11am fixing on the first business day of the relevant month.

2 Year Lock-in Floating Rate Package
Year 1	EFR - 4.45% p.a.
Year 2	EFR - 4.45% p.a.
Year 3	EFR
Year 4 and thereafter	EFR
Commitment Period	2 Year Lock-in

2 Year Fixed Rate Package
Year 1	1.88% p.a.
Year 2	1.88% p.a.
Year 3	3M SIBOR + 4.00% p.a.
Year 4 and thereafter	3M SIBOR + 4.00% p.a.
Commitment Period	2 Year Lock-in

3 Year Fixed Rate Package
Year 1	1.88% p.a.
Year 2	1.88% p.a.
Year 3	2.18% p.a.
Year 4 and thereafter	3M SIBOR + 4.00% p.a.
Commitment Period	3 Year Lock-in

Debt Reduction Plan

No Lock-in Floating Rate Package

Year 1

EFR - 3.40% p.a.

Year 2

EFR - 3.40% p.a.

Year 3

EFR - 3.40% p.a.

Commitment Period

No Lock-in Period

Eligibility Criteria

Existing DBS Home Loan which is out of the lock-in period

Minimum outstanding loan amount of S$100,000

Minimum outstanding loan period of 5 Years

We will inform you the repricing fees and prepayment charges (for loans within lock-in period) where applicable.Apply Now

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