DBS Home Loan Calculator Singapore

The DBS Home Loan Calculator Singapore is a comprehensive tool designed to help you plan and manage your home loan with DBS Bank and POSB. Whether you're purchasing your first property, refinancing an existing loan, or exploring repricing options, this calculator provides accurate monthly payment estimates and detailed payment schedules.

DBS Bank, one of Singapore's leading financial institutions, offers competitive home loan rates for both fixed and floating interest rate packages. POSB, a subsidiary of DBS, provides similar competitive rates with special benefits for existing account holders. Our calculator supports calculations for standard home loans, refinancing scenarios, repricing opportunities, and rate comparisons between fixed, floating, and promotional rates.

When calculating your DBS home loan repayment, consider factors such as property price, down payment (minimum 5% for first property), loan term (typically 15-35 years), and interest rate type. Fixed rates offer stability with consistent monthly payments, while floating rates may provide lower initial rates but can fluctuate with market conditions. Promotional rates are often available for new customers or DBS/POSB account holders.

The calculator helps you understand your monthly payment obligations, including principal and interest, property tax, home insurance, and maintenance fees. You can also explore extra payment options to reduce your loan term and total interest paid. For existing homeowners, the refinance calculator compares your current loan terms with new DBS rates to determine potential savings, while the repricing calculator helps you evaluate the benefits of adjusting your interest rate with your current lender.

DBS home loan rates in Singapore are competitive and vary based on factors such as loan amount, property type, and customer relationship. Current DBS home loan rates for 2025 range from approximately 2.85% for private banking customers to 3.65% for standard fixed-rate packages. Floating rates typically start around 3.15% based on SIBOR or SORA benchmarks. Promotional rates may offer even lower initial rates for qualified customers.

Whether you're looking at DBS home loan rates now, exploring refinancing options, or considering repricing your existing loan, this calculator provides the insights you need to make informed decisions. Use the rate comparison feature to evaluate fixed versus floating rates and promotional offers to find the best option for your financial situation.