DBS Fixed Deposit Rate FHR Housing Loan

 

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Min. Loan
$100,000

5yrs Ave. Rate
2.07%

Review on DBS FHR Housing Loan

Pros
Stable and low fixed deposit interest rates (FHR)
Legal fees subsidy for refinancing

Cons
High interest rate spread of +1.25% to +1.80% p.a. for loan package
Higher interest rates after 3 years
Changes in FHR at bank's discretion
2 years lock-in period

 

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Details

Interest Rate^
1st year FHR + 1.25% p.a.
2nd year FHR + 1.25% p.a.
3rd year FHR + 1.25% p.a.
Thereafter FHR + 1.80% p.a.
5yrs Ave. Rate 2.07% p.a.

^ Interest Rate based on latest FHR and assuming it stays the same for first five years

Legal fee subsidy of $1,500 for minimum $700,000 loan

Legal fee subsidy of $2,000 for minimum $1,000,000 loan

Legal fee subsidy of $3,000 for minimum $3,000,000 loan

Rates are pegged to the bank's Fixed Deposit (FHR) rate to calculate interest rates

Fixed Deposit (FHR) rate is the average of DBS Bank's prevailing 12 month and 24 month Singapore Dollar fixed deposit rates

Minimum loan amount of $100,000

2 years Lock-In period

New/re-financing owners are eligible

 

Make a loan enquiry about this DBS FHR Housing Loan

 

Comments on DBS FHR Housing Loan

 

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