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citiBank UOB Home Loan

About UOB home loan

The United Overseas Bank, or UOB, is a Singaporean multinational banking conglomerate founded in the country in 1935 by Wee Kheng Chiang. The bank was known as the United Chinese Bank, to emphasize its focus on the Fujian community in Singapore, since its foundation until 1965, when the company adopted its current name. The bank offers services such as the UOB home loan, among other UOB loan, credit card, savings, and financial services.

UOB operates a network of more than 500 offices in 19 countries and territories in Asia Pacific, Western Europe and North America, including significant operations in Singapore, Malaysia, Indonesia, Thailand, and China.

UOB home loan

The UOB housing loan is available in six offerings, four of which are specifically for owner-occupied property transactions. The loans that are for people buying a new home are: Private Home Loan, HDB Home Loan, Home Loan for Foreigners, and Home Construction Loan. The other types of UOB mortgage loan that are intended for other purposes are the Commercial Property Loan (for purchasing a place to build a business in) and the International Property Loan (for people in Singapore who want to buy property in Malaysia, Thailand, Japan, Australia, or United Kingdom.

For the four loans that are intended for buying a new home, the maximum financing that the UOB home loan will grant is 80% of the value of the property linked to the loan.

On its website, UOB offers a UOB home loan calculator, where you can estimate the amount of monthly payment that you have to make when you secure a home loan from the bank, regardless of the type of offering you secured.

Depending on the home loan type, the UOB home loan interest rate can be arranged depending on your preferences and certain qualifications. Depending on what option is made available on each home loan type, you can choose from fixed-rate, floating-rate or SIBOR*-pegged arrangements. For more information on the UOB interest rate on home loans, you may explore GoBear Singapore.

*SIBOR, or the Singapore Interbank Offered Rate, is a daily reference rate that fluctuates based on the interest rates that banks set when they lend unsecured funds to other banks in the Singapore wholesale money market.

UOB home loan: Private Home Loan

The Private Home Loan is available for borrowers who will either buy private residential property or upgrade to a bigger property. This can also be used to refinance an existing home loan.

UOB home loan: HDB Home Loan

This loan option can be chosen if you are purchasing a new HDB (Housing Development Board of Singapore) flat, whether new or resale. The option is made available even to households who own private property, earn more than S$8,000 per month, are not upgrading to a bigger flat, or have qualified for HDB Concessionary Loans.

UOB home loan: Home Loan for Foreigners

This home loan is open to foreigners who want to buy residential properties in Singapore, either for investment or residential use. Repayment terms for this loan can be up to 35 years or until the borrower is 75 years old, whichever is earlier.

UOB home loan: Home Construction Loan

This loan option, which can also be considered as a UOB renovation loan, is available to people who are either building a new home or renovating a new or current property. Once renovation or construction is complete, and upon the issuance of a temporary occupation permit allowing you to stay in your newly built/renovated property, this loan will transform into a UOB home loan.

Are you looking for a UOB home loan that will help you buy your dream home? Compare home loans with GoBear to find the best deal for you in 3 easy steps.


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I want to
a/an , and
it's .
Has your property gotten a Temporary Occupation Permit (TOP) yet?

Yes: Select ‘already built’
If your property is a HDB, it should already be built.

No: Select ‘under construction’
My dream home costs
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so I’d like to borrowI’d like to refinance
${{criteria.amount| number}}
For your first home you can borrow up to 80% of its value. For your second home you can only borrow up to 50%.

Better fill up that piggy bank!

and repay it over years.
You can take up to 30 years to pay back the loan for a HDB flat, and up to 35 for private property and ECs.

If you think you’ll take a while to pay back your loan, you better get it sorted quick – your loan repayment period can’t go past your 65th birthday.
You need to loan a minimum of ${{limitation.LoanAmount_Min|number}}.
You can only loan up to ${{limitation.LoanAmount_Max|number}} based on the value of your property.
You need to hold the loan for at least {{limitation.LoanTenure_Min|number}} years.
A maximum tenure of {{limitation.LoanTenure_Max|number}} is required for the property type.
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