More than just a home loan, POSB Home Ideal gives you peace of mind with rates pegged to CPF.
What's special about POSB Home Ideal?
Whether it is a private property or HDB flat, you can count on stable interest rates with POSB Home Ideal.
Here's what POSB Home Ideal offers
Home Ideal
3-year Fixed Rate
Year 1
CPF Rate + 1.00%
3.88% Fixed
Year 2
CPF Rate + 1.25%
3.88% Fixed
Year 3
CPF Rate + 1.58%
3.88% Fixed
Year 4 onwards
CPF Rate + 1.58%
CPF Rate + 1.58%
The above packages are applicable for completed properties with Loan-To-Value less than or equal to 80% only.
POSB Home Ideal, the first housing loan pegged to CPF rate, lets you enjoy:
Transparency on your home loan rates1 since CPF rates are known to the public
Stable interest rates with rates pegged to CPF Ordinary Account rates as the historical trend shows that this rate has remained at 2.5% p.a. since July 19992
Certainty and peace of mind with no rate surprises
Flexibility to pay down your loan anytime without incurring any penalties3
Home in on POSB Home Ideal. Sign up today.
Talk to us for a home loan that stays true to your needs. Click here to contact us.
Alternatively, visit any POSB branch or call 6333 0033.
A home loan tip for you
A home loan is a long-term commitment. Consider the stability of the interest rate for the duration of your loan.
Terms and Conditions
1.
The Bank reserves the right to vary the interest rate if any of the following conditions occur: i) CPF Board changes the basis of computation for CPF rates ii) Changes to the CPF Act which governs the CPF rates iii) Any other condition that the Bank may impose from time to time.
2.
Historical rates are not necessarily indicative of future interest rates. Other terms and conditions apply. All information correct at time of printing.
3.
Applicable to selected packages only.
Other terms and conditions apply. All information correct at time of publishing.
IMPORTANT INFORMATION
The Bank may vary the interest rate from time to time. If the interest rate is revised, the monthly instalments will be based on the revised interest rate and may be increased or reduced.
An interest rate quoted for a particular housing loan applies only to that housing loan package, and may differ from the interest rates offered to other customers for other types of housing loan facilities.
To assist you in your planning, we are pleased to provide upon request from any of our branches, loan repayment schedules in respect of our home loan packages.
Note: The Association of Banks in Singapore (ABS) has published a "Guide on Home Loans", and you are encouraged to read this before committing to any housing loan. The guide is available on MAS' and ABS' websites in the four official languages. Copies of the guide are also available at any of our branches.
Terms
& Conditions | 
