Apply Online For UOB Home Loan Rates

Floating Rates
Board Rate 1.95% (MR + 1.10%) No Lock-In >
Board Rate 2.00% (MR + 1.15%) 2 Yr Lock-In >
Sibor 1 Month + 0.40% = 2.03% 1 Yr Lock-In >
See more home loan rates
Find the Right Home Loan

About UOB Home Loans

UOB home loans are offered by United Overseas Bank, which was incorporated in Singapore in 1935. Since then it has grown to become a leading bank in Asia, comprising a global network of more than 500 offices in 19 countries in Asia Pacific, Western Europe and North America.

The bank provides an extensive range of services including personal financial services, private banking, commercial and corporate banking, capital market activities, asset management and stockbroking services. UOB also has diversified interests in travel and property management through its other subsidiaries. It also offers UOB credit cards, including travel credit cards, cashback credit cards and business credit cards.

With its strong footprint in Asia, UOB continues to be recognised as an excellent financial institution through a series of awards and accolades. It was recognised for its online banking initiative by Asian Banking and Finance Awards 2015. It was awarded the Best Fund Over 3 Years (Bond SGD) by The Edge-Lipper Singapore Fund Awards 2015, and was ranked top three in the Safest Banks in Asia by Global Finance.

UOB Home Loans

Being a household name in Singapore's banking industry, UOB provides a wide variety of home loans for different needs. UOB provides SIBOR-pegged packages as well as those pegged to the bank's internal board rate.

There are loans for those who are looking to buy an HDB flat, private property or overseas property. The bank also provides other mortgage-related services, such as home construction loans, refinancing, bridging loans for down payments as well as flexible repayment options.

UOB home loans provide borrowers up to 80% of the purchase price of your new property or the valuation of your new home, whichever is lower.

UOB offers 3 types of HDB loan packages:

  • Fixed rates with a 1 year lock-in
  • Floating rates with a 2-year lock-in
  • SOR-pegged rates with no lock-in

UOB also provides one of the widest range of International home loans in Singapore. Currently, UOB international property loans are available for the purchase of properties in United Kingdom, Australia, Japan, Thailand and Malaysia.

London Property Loan

  • Offers home loans for residential properties in London.
  • Finance up to 70% of the property price.
  • Loan tenure is up to a maximum of 35 years.
  • You can choose for your loan to be based in SGD or GBP.

Australia Property Loan

  • UOB's Australia residential property loan offers a SGD/AUD facility to finance the purchase of residential property in Melbourne, Perth or Sydney.
  • Finance up to 70% of the property price.
  • Loan tenure is up to a maximum of 35 years.

Japan Property Loan

  • Financing for Japanese residential properties is available for those in the area of Tokyo, Yokohama, Osaka, Kyoto and Fukuoka.
  • Finance up to 70% of the property price.
  • Loan tenure is up to a maximum of 35 years.
  • The loan currency can be in Japanese Yen or in SGD.

Thailand Property Loan

  • To qualify for a home loan for Thailand property, it has to be owner occupied and the property type can only be freehold condominiums.
  • Finance up to 70% of the property price.
  • Loan tenure is up to a maximum of 30 years.
  • You can choose for your loan to be based in SGD or USD.

Malaysia Property Loan

  • Property loans for Malaysia are only valid for properties in Johor Nahru, Klang Valley and Penang.
  • The property has to be owner-occupied.
  • Finance up to 70% of the property price.
  • Loan tenure is up to a maximum of 35 years.
  • The loan can only be based in SGD.

UOB Home Loan Eligibility

Eligibility depends on whether you are taking a HDB home loan or a private property loan. For the former, please ensure you meet HDB's eligibility conditions.

A private property home loan is open to everyone, including Singapore PRs and foreigners.

Documents required for an overseas property loan:

  • Copy of NRIC/passport
  • Copy of employment pass/work permit (for foreigners)
  • Income documents
  • Copy of property's option to purchase or copy of sales & purchase agreement.

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