SINGAPORE HOME LOAN REFINANCING

Refinance up to 75% of your property purchase price

Highlights & Benefits

Whether it is reducing your outstanding mortgage or benefiting from lower interest rates, we can help. 
Find out about the different options that best fit your needs today.



High loan quantum

 

With the ability to refinance up to 75% of your property purchase price or valuation, you can unlock substantial equity from your property to fund other needs and investments.



Reduction of monthly instalments

 

A refinancing also allows you to reduce the loan tenure. With the reduction in monthly instalment, the savings can be utilised for other expenses or ease your cash flow.



Pick a loan package that meets your every need

 

We offer a wide range of home loan options such as Variable rate, Fixed rate and SORA rate packages. There is bound to be one best suited for you.
For more information kindly submit your details for our loan advisors to get in touch with you.



High loan quantum

 

With the ability to refinance up to 75% of your property purchase price or valuation, you can unlock substantial equity from your property to fund other needs and investments.



Reduction of monthly instalments

 

A refinancing also allows you to reduce the loan tenure. With the reduction in monthly instalment, the savings can be utilised for other expenses or ease your cash flow.



Pick a loan package that meets your every need

 

We offer a wide range of home loan options such as Variable rate, Fixed rate and SORA rate packages. There is bound to be one best suited for you.
For more information kindly submit your details for our loan advisors to get in touch with you.

If you would like to learn more or apply, submit your details and we will be in touch with you.

Documents Requirement
HDB Documents Required
  • Photocopy of NRIC (both sides)
Proof of Income

Salaried Employee

  • Latest Computerised Payslip and Income Tax Notice of Assessment, or
  • Latest Computerised Payslip and latest last 12 months CPF Contribution Statement

Self-Employed

  • Income Tax Notice of Assessment (NOA) for latest last 2 years
Rental Income
  • Stamped Tenancy Agreement with remaining lease period of at least 6 months.
Other Documents

 

For all applications

  • A printout of Financial Information on HDB loan commitment via My HDB Page at www.hdb.gov.sg.
    Latest statement of all credit facilities with other Financial Institutions or Moneylenders.

For Property purchase

  • Reservation form/ Booking form/ Contract of Sale/Sale & Purchase Agreement
  • For Term Loan or Bridging Loan
    1. Latest CPF Public Housing Withdrawal Statement
      Note: Notice of Assessment can be printed via my Tax Portal at mytax.iras.gov.sg
      Loan repayment and outstanding statement for HDB can be printed via My HDB Page at www.hdb.gov.sg
  • Any other documents as may be requested by the Bank at its sole discretion.
  • Stamped Tenancy Agreement with remaining lease period of at least 6 months.
Private Property Eligibility

 

Minimum 21 years of age

 

Singapore Citizens, Singapore Permanent Residents or Foreigners

 

Borrower(s) must be mortgagor

Documents Requirement
Private Property Documents Required
  • Photocopy of NRIC (both sides)
Proof of Income

 

Salaried Employee

  • Latest Computerised Payslip and Income Tax Notice of Assessment, or
  • Latest Computerised Payslip and latest last 12 months CPF Contribution Statement

Self-Employed

  • Income Tax Notice of Assessment (NOA) for latest last 2 years
Rental Income
  • Stamped Tenancy Agreement with remaining lease period of at least 6 months.
Other Documents

 

For all applications

  • A printout of Financial Information on HDB loan commitment via My HDB Page at www.hdb.gov.sg.
    Latest statement of all credit facilities with other Financial Institutions or Moneylenders.

For Property purchase

  • Reservation form/ Booking form/ Contract of Sale/Sale & Purchase Agreement

For Term Loan or Bridging Loan

  • Latest CPF Public Housing Withdrawal Statement
    Note: Notice of Assessment can be printed via my Tax Portal at mytax.iras.gov.sg
    Loan repayment and outstanding statement for HDB can be printed via My HDB Page at www.hdb.gov.sg
  • Any other documents as may be requested by the Bank at its sole discretion.
  • Stamped Tenancy Agreement with remaining lease period of at least 6 months.

Have a question? Contact us now.

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RHB Account Number Format for FAST/ GIRO Transactions

The RHB Bank current/savings account number has a total of 11 digits (e.g. 19812345678 or 78000123456).
Please ensure that you are using this account number format for FAST/ GIRO transactions. You will also need to exclude any leading zeros, if any, when providing the RHB current/ savings account number (e.g. for an account number shown as "000019812345678", you will only need to provide "19812345678" as the account number).

 


Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

 

 

MoneySENSE Guide

Before committing to a financial product, you are encouraged to read the ‘Understanding Financial Products’ by The Association of Banks in Singapore and MoneySENSE guide. Learn more

 


Important Notice

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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