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   BOC Singapore >> Personal Banking >> Personal Loans

Mortgage Loans (Housing Loan, Term Loan)



Mortgage Loans are applicable for all landed or non-landed private residential properties.


1) Housing Loan:- For owner occupation/investment on new purchase or resale properties and refinancing.

2) Term Loan:- For Personal/Investment usage.

Product Features

• Transparency on your home loan rates which are pegged through our Singapore Interbank Offered Rate (SIBOR)

• Stability and no rate surprises by fixing your home loan rates for the initial years

• Competitive variable interest rates

• Flexibility to choose from a range of financing packages to suit your requirements

Group of Customers

• First Time Buyers

• Upgraders

• Investors

• Re-financing

Eligible Applicants

1.Individuals aged between 21 to 65 years old.

2.Minimum income of SGD24,000 per annum.

3.Singapore Citizens, Permanent Residents and Foreigners may apply.

Documents Required

• Option to Purchase or Sales and Purchase Agreement. 

• Latest computerised payslip or Income Tax Assessment (submit 2 year’s Tax returns if you are self-employed).

• Latest CPF statement of account / CPF members contribution history statement. 

• Loan statements for the preceding 6 months from existing financier (if applicable).

• Evidence of sale of existing property (if applicable).

• A copy of NRIC /passport.

• Tenancy Agreements (if any). 

Application Procedures

Please visit our Branch or any of our Sub-branches.

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