Home Loan Singapore Hotline: 6774 5626 (MR-SG-LOAN)
Email: enquiry@homeloan.com.sg
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Home Loan Singapore has being certified by EQAICC as ISO9001:2008 company.
Home Loan Singapore is the 1st and the only mortgage broker in Singapore has been granted this certification.


Search the best home loan (housing loan) packages from home loan Singapore website
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What is MSR? (For HDB/EC Buyers)

MSR stands for Mortgage Service Ratio, it is used for HDB/EC related mortgage loan calculation. Under current conditions, the MSR is set to 30% of borrowers total monthly income.
Please take note that the monthly mortggae service amount is not calculated at the market interest rate, it is calculated at 3.5% set by MAS.
For HDB/DBSS purchase, the max loan tenure is set to 25 yrs or up to 65 years old, whichever is the lowest.
For EC purchase, the max loan tenure is set to 30 years or up to 65 years old, whichever is the lowest.

What is TDSR? (For Private/Commercial Buyers)

TDSR stands for Total Debt Service Ratio, it is used for private/(commercial under personal name) mortage loan calculation. Under current conditions, the TDSR is set to 60% of borrowers total monthly income.

The TDSR will take the following factors into consideration:
1) Existing loan installment;
2) Car loan installment;
3) Personal loan installment (such as cashline, ready cash etc);
4) Education loans;
5) Credit cards min payment;
Use our TDSR calculator to calculate how much you can loan.


 The best home loan packages from DBS Bank, OCBC Bank, UOB bank, HSBC bank, Citibank, Maybank, RHB Bank, Standard chartered Bank, ANZ bank, Bank of China, CIMB Bank.
The daily SIBOR and SOR rate for Singapore Home Loan Rate SIBOR/SOR Rates
 03-December-2016
 Rate Type SIBOR SOR
 1 MTH 0.627% 0.51%
 3 MTHS 0.875% 0.84%
 12 MTHS 1,312% 1.25%

7 Most Frequently Asked Questions

1. Who are you and what are you doing?
We are mortgage broker providing you with one stop, free mortgage consu;tancy services.

2. Why should we engage your services?
Purchasing a house is one of the biggest investments and commitments in our life.

However there are so many banks providing housing loans, and their packages are so complicated nowadays, unless you are willing to check all these banks one by one, you would not know which bank could give you the best rate.

We offer you one stop services, save your time, and guarantee you the best rate.

In every industry, there is a professional. We are the professionals in mortgage industry.

3. What is the difference between you and bank?
Banks are lenders, we are consultancy company. We recommend banks loan packages to you according to your own needs and requirement.

4. Do we need to pay for your service?
Our service is absolutely free!
you need not to pay us. We are paid by bank. Our service will not add on your cost neither.

5. Is the rate we get from you better than we get from the bank directly?
It is not a surprise we give you the rate better than you get from bank directly.

However, the key benefit you use our service is our one stop, unbias, free service. You get the best rate from all banks instantly, not just one bank.

6. Are you working on weekend, or after normal working hours?
Yes, we do. One of the merits you engage our services is that we always place your needs and convenience on the top, we could meet you up at your convenience place and time by appointment.

7. Are you a Singaporean registered company?
Yes, we are. We are the pioneer in this industry, our business started since 2004.

 Q&A
10-10-2012 What would the LVR for purchase under a family discretionary trust?.
10-10-2012 Is the cap of 60% for 2nd property applies also if the 1st property has been fully paid?
10-10-2012 I have just sold my HDB apartment and thinking of buying my 1st private property. I am 42 years old. After selling my HDB, I have no other property. Will I be granted 80% loan?
10-10-2012 How about the duration of the loan if my age is 45 and my wife is 42?
19-10-2012 I wish to enquire whether is there any bank willing to loan the 5 percent cash required for the house. I am currently buying a BTO flat from hdb n have more then enough CPF for the remaining 15 percent.

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© 2012, Home Loan Singapore Pte Ltd. Tel: 6774 5626 (MR-SG-LOAN) Fax: 6842 5463 Email: enquiry@homeloan.com.sg
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