Home Loans
At a Glance
New home, new journey. New and everlasting memories. DBS and our specially packaged home loans are here to help you secure your dream home.
Rely on us for favourable interest rates and also because you want a bank that goes beyond the numbers to give you comprehensive and caring service.
Benefits

Preferential mortgage rates
- For CNY loans for home purchase, we offer a competitive solution with preferential lending rate*.
- DBS offers competitive discounted loan rates for Hong Kong dollar or US dollar loans

Competitive mortgage terms
Loan tenor up to 30 years and loan-to-value ratio up to 70%

Professional mortgage consultants and one-stop service
Our dedicated and professional staff is on hand to provide you with tailored advice to suit your needs.

Fee waiver on loan applications
Waiver of property valuation and legal fees, and free property insurance
*Subject to the result of the Bank’s credit assessment on customer and the Bank’s pricing policy.
- The above information is for reference only. The final mortgage terms and conditions will be governed by the loan agreement between loan customer and our bank.
- The provision of the above home mortgage loan service is subject to applicable regulations and policies (including but without limitation foreign exchange administration regulations) and the Bank’s internal policy, which may change from time to time.
How to Apply
Call our DBS 24-hour personal banking hotline at 400 820 8988
Q&A
How do I request for a loan prepayment?
Can I request for a loan prepayment within half a year from loan disbursement?
Yes.
However, according to the contract, prepayment of the mortgage loan within one year after loan disbursement is subject to a prepayment charge. Please refer to the relevant clause in the mortgage contract for details.
How long after full prepayment can I obtain the mortgage title deed?
Can a third-party handle the loan prepayment on behalf of the borrower?
Yes.
A borrower may entrust a third party to handle prepayment matters, provided that the power of attorney is notarized by the notary office. A borrower who is a foreigner is required to have the power of attorney authenticated by the relevant Chinese embassy.
How do I request for repayment records?
Borrowers who have registered for our online banking service can check historical repayment records under “Loan Account” on the online banking platform.
Request for paper repayment records should be submitted in person at our banking branch. The Bank will mail the paper repayment records to the borrower.
My loan repayment due day is tomorrow. If I transfer funds for the repayment after 4:00 PM via online banking channels, will it constitute an overdue loan payment and result in a penalty charge?
What is the impact on a borrower’s credit report at the People’s Bank of China if the borrower does not repay the loan installments on time?
What is the foreign currency mortgage loan base lending rate of DBS?
How does DBS determine the magnitude of change to the mortgage loan base lending rate?
The main considerations include cost of capital of the bank and pricing of industry players.
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