Singapore Property Loans

ANZ Property Loans can help you own your dream property in Singapore with flexible and convenient financing solutions.

ANZ Property Loans is the first in Singapore market to offer clients an interest rate that is pegged to a combined average of the Singapore Interbank Offered Rate (SIBOR) and the Swap Offer Rate (SOR)1.

What this means to you is that you get to enjoy the best of both worlds and mitigate the fluctuation in rates.

You can choose between:

Fixed Rates

Pre-determined rates and repayment period for better peace of mind.

Floating Rates

Transparent interest rate pegged to either 3-month Swap Offer Rate (SOR)2 or the average of both 3-month Singapore Interbank Offered Rate (SIBOR) and Swap Offer Rate (SOR).

Equity Loan

If you have substantial equity in your property, an equity loan enables you to purchase a property by borrowing against the market value of your current property, thereby unlocking your money for potentially higher returns.

Bridging Loan

A short term loan complementing your ANZ Property Loan that helps you with the initial down payment of your property purchase while pending receipt of sales proceeds.

Benefits of ANZ Home Loans:

  • Speak to our experience team of Mortgage Specialists who will guide you through our home loan process.
  • Competitive interest rates with unique features.
  • Savings on legal fee and property assessment fee3.
  • Enjoy exclusive bonus interest rate of 0.10%p.a., payable on the lowest balance recorded for the month, if you maintain a minimum daily balance of at least SGD50,000 in your Home Loan Current Account.
Interest Rates
Balance in Home Loan Current Account (SGD) Interest Rate - %p.a.
$10,000 to $49,999 0.10%
$50,000 to $199,999 0.20%
$200,000 & above 0.25%

Important Note: Singapore Property Standard Terms & Conditions apply.

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Best Home Mortgage Loan Provider

iProperty.com Singapore People's Choice Awards 2014/2015.

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Best Mortgage Offering

6th Retail Banker International Asia Trailblazer Awards 2015.

1. Refers to the average of 3-month Singapore Interbank Offered Rate (SIBOR) 11am fixing on the first business day of the month and 3-month Singapore Swap Offer Rate (SOR) 8pm fixing on the last business day of the previous month obtained from the Association of Banks in Singapore (ABS). In the event that either the 3-month SIBOR or SOR falls below 0.10%, the Bank shall use 0.10% as the 3-month SIBOR or SOR as the case may be in its computation of the 3-month SIBOR and SOR Combo for the relevant period.

2. Refers to 3-month Singapore Swap Offer Rate (SOR) obtained from the Association of Banks in Singapore (ABS) 8pm fixing on the last business day of the previous month. In the event that the 3-month SOR falls below 0.10%, the Bank shall use 0.10% as the 3-month SOR in its computation of interest for the relevant period.

3. These benefits are only available for a limited period, for selected packages and are subject to change without notice.

How much can I borrow?

Use our home loan calculators to find out more about your maximum loan quantum.

Financing Criteria
Overview
Minimum Loan Size SGD300,000
Loan Currency SGD
Loan to valuation ratio Up to 80%
Loan tenure Minimum of 5 years and maximum of 30 years
Security Private residential properties (completed or uncompleted )and HDB properties (4-room and above)
Monthly repayment methods Principal and Interest
Residency Eligibility
  • Singaporean citizens and permanent residents.
  • Foreigners who are residing and working in Singapore.
  • Foreigners who are not residing nor working in Singapore but  are residents of Indonesia, Taiwan, Malaysia, Cambodia, China, Dubai, Fiji, Hong Kong, and Philippines.

Important Note: Singapore Property Standard Terms & Conditions apply.

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