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Private Property Loan

Private Property Loan

Competitive private home loan rates
as low as 1.85% p.a.

Contact Us
Up to 75% Financing
Up to 30 Years Tenure
Personalised Service
Looking for private property home loan financing? Secure up to 75% financing with flexible repayment terms of up to 30 years or until age 70. Enjoy competitive interest rates from as low as 1.85% p.a., making homeownership more affordable and ensuring you make the best choice for your family’s comfort and security.
Whether you’re buying your first private residential property in Singapore or upgrading to a bigger space, our customised private property home loan in Singapore options are designed to meet your needs. Experience a smooth journey to homeownership with our tailored private property home loan solutions.

Highlights

  • Choice of competitive fixed and floating rate packages
  • Maximise your property investment with high financing quantum of up to 75%
  • Enjoy repayment flexibility for up to 30 years or until age 70
  • Get personalized service from our dedicated relationship managers

Eligibility

  • Singaporeans and Singapore PRs buying a HDB flat from the resale market, directly from the HDB or refinancing HDB Home Loan from another organisation

Home Loan Application

Step 1
One

Bring along relevant documents stated in the application form to meet a Branch Manager for a discussion at any of the 28 Hong Leong Finance branches

Step 2
Two

Produce relevant documents for loan application & declaration

Step 3
Three

Select home loan packages and submit loan application documents for processing

Step 4
Four

Upon loan approval, accept & sign Letter of Offer

Step 5
Five

Appoint Hong Leong Finance panel lawyer for mortgage documentation

Step 6
Six

Sign mortgage document at lawyer's office

Step 7
Seven

Lawyer to ensure proper documentation in place before giving Hong Leong Finance notice to disburse loan

Step 8
Eight

Where documentation are in order and all terms and conditions of the loan are complied with, Hong Leong Finance will disburse the loan

Step 9
Nine

Cashier's order/Cheque will be released upon satisfactory final searches

Interest Rates

Period Interest Rate (% p.a.)
1st Year 1.95 (Fixed)
2nd Year 1.95 (Fixed)
3rd Year 1.95 (Fixed)
Thereafter 3.50 (PPR - 2.65%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 1.95 (Fixed)
2nd Year 1.95 (Fixed)
3rd Year 3.50 (PPR - 2.65%)
Thereafter 3.50 (PPR - 2.65%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.38 (PPR - 3.77%)
2nd Year 2.38 (PPR - 3.77%)
3rd Year 3.50 (PPR - 2.65%)
Thereafter 3.50 (PPR - 2.65%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 1.85 (Fixed)
2nd Year 1.85 (Fixed)
3rd Year 1.85 (Fixed)
Thereafter 3.50 (PPR - 2.65%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 1.85 (Fixed)
2nd Year 1.85 (Fixed)
3rd Year 3.50 (PPR - 2.65%)
Thereafter 3.50 (PPR - 2.65%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.38 (PPR - 3.77%)
2nd Year 2.38 (PPR - 3.77%)
3rd Year 3.50 (PPR - 2.65%)
Thereafter 3.50 (PPR - 2.65%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.

Calculate Your Instalment

years
S$
years

Computation Results

1st Year Monthly Instalment

S$0.00

2nd Year Monthly Instalment

S$0.00

3rd Year Monthly Instalment

S$0.00

Thereafter Monthly Instalment

S$0.00

Disclaimer:
Results are indicative values only.
Terms and conditions apply.

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