Singapore bank loans · Live rates
Every bank loan.Compared on your numbers.
Home, personal, car, renovation, education and SME loans from Singapore's banks, side by side. See what each costs you a month and its real yearly rate (EIR), then apply on WhatsApp.
Free · No sign-up · Nothing you type leaves your browser
Compare home loan packages on your numbers
Enter the price and your income. You see the most a bank can lend you, the cash and CPF you need, and every bank's package with its monthly instalment. Pick one and apply on WhatsApp.
- The main banks' packages, side by side
- Floating rates priced from today's SORA, from MAS
- MAS rules built in: the 75% limit, the 4% stress test, TDSR and MSR
- Nothing you type leaves your browser
Your numbers
Two figures to start. About 30 seconds.
Floating home loans move with SORA, which MAS publishes every business day.
See the chartToday's packages for you
Sorted by the monthly instalment on your loan. Tap a filter to narrow them down.
How BankLoan.sg works
Free to compare. Help to apply when you want it. Tap a step to see it.
- Free, no sign-up
- Your figures stay in your browser
- We never sell your number
1Compare on your numbersFree · about 30 secondsYou
You: pick your loan (home, personal, car, renovation, education or SME) and enter a few figures.
We: work out what the banks can lend you and price every bank's package on your numbers, in your own browser. Nothing you type is sent anywhere.
2Apply on WhatsAppOne tap, then sendYou
You: tap Apply via WhatsApp on the package you like. The message is filled in; nothing is sent until you press send.
We: check the package with you and tell you who we'd pass your details to. We share them only after you say yes.
3We take it to the bankWith your agreementUs
We: pass your details to our contact at the bank, or to one of our referral partners, and keep you posted on WhatsApp. You can still deal with the bank yourself at any point.
You pay us nothing. If you take up a loan we helped you apply for, the bank or our referral partner may pay us a referral fee. Ask us and we'll tell you whether one applies to your case.
4We remind you before the lock-in endsFree · 4 WhatsApp messagesUs
We: message you 4, 3, 2 and 1 month before your lock-in ends, so you can compare again before the rate goes up.
Never miss your lock-in
A fixed rate lasts two or three years, not the whole loan. When the lock-in ends, the loan moves to the rate in your letter of offer, which is usually higher, and most people only notice when the instalment changes. Refinancing takes 6 to 8 weeks, so the real deadline is about 4 months before.
- One question. The month your lock-in ends. No sign-up, no NRIC, no loan details.
- WhatsApp reminders, free. A message 4, 3, 2 and 1 month before, each with what to do at that point and today's SORA.
- Or your own calendar. One tap adds the same dates to iPhone, Google or Outlook.
- Your number stays with us. A reminder sign-up is used only for your reminders. We share your details with a bank only if you ask us to help you apply. Reply STOP at any time.
Reminders come from the Kydos assistant on WhatsApp (+65 8311 7524), run by the team behind AnnualFiling.sg. We never sell your number. We pass your details to a bank contact or referral partner only when you ask us to help you apply, and only after you agree in the chat. See the privacy notice.
Free lock-in reminder
No sign-up, no payment. About 10 seconds.
Common questions
Are these the banks' real rates?
They are the packages the banks publish, which our team keeps up to date. Each card says when its rate was last checked. Floating rates move with SORA, which we update from MAS every weekday. Only the bank's letter of offer is binding.
What happens when I tap Apply via WhatsApp?
WhatsApp opens with the package and your loan amount filled in. Nothing is sent until you press send. We then check the package with you and tell you who we'd pass your details to: our contact at the bank, or a referral partner. We pass them on only after you say yes.
What does it cost to apply through BankLoan.sg?
You pay us nothing. If you take up a loan we helped you apply for, the bank or our referral partner may pay us a referral fee. Ask us and we'll tell you whether one applies to your case.
Why can't I borrow the price minus my cash?
Two limits apply and the smaller one wins. The loan can't be more than 75% of the price or valuation (less with other housing loans running, or a long tenure), and the instalment, tested at 4%, has to fit within 55% of your income after other debts (30% for HDB flats and new ECs).
Is this financial advice?
No. The comparison is a tool for your own decision, and the choice of loan is yours. We are not a bank, and only a bank's letter of offer is binding.
What is SORA?
The Singapore Overnight Rate Average, published by MAS. Most floating packages are priced as compounded SORA plus a fixed spread, so your rate moves with SORA but the spread stays put for the package's term.