SBI Home Loan Rates (January 2026)
(Product Review)

Current SBI Mortgage Rates

Product Review

State Bank of India established its Singapore office in 1977 and has been functioning with over 30 years of banking experience. SBI has been achieving the goals of Indian companies through its influence in 229 foreign offices across 31 countries.

SBI Singapore was given the status of Full Bank with QFB privileges in 2008. It has established a network of 5 branches, 19 SBI ATMs, and 200+ ATMs through the shared island ATM5 network. SBI serves individuals and corporate businesses with its retail and corporate bank plans.

Singapore’s Favourite
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What is your expected purchase price?

$100,000

$3,000,000

What is the required loan amount?

$100,000

$3,000,000

Deposit amount should be less than expected purchase price!

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SBI offers attractive mortgage loans with SORA-linked and fixed-rate products. In addition to that, its introductory home loan interest rates are accessible. However, its rates tend to increase after 1-3 years.

SBI Singapore will suit the needs of customers that are willing to refinance their loans and clients that want to refinance their mortgages because of the credit combination offered to them.

Mortgage Fees

SBI charges a few standard fees. These fees include partial repayment fees, full redemption penalties, and cancellation fees. The table below describes SBI’s fees by home loan type.

SBI HBD Mortgage Rates

SBI also offers HDB loans with reasonable fixed and floating introductory interest rates. Although SBI rates tend to become high after a few years, clients interested in frequent refinancing should consider SBI services. Therefore, they are advised to compare the bank’s rate with its competitors before choosing a mortgage plan.

Previously, SBI didn’t offer competitive interest loan rates for HDB units under construction. So, individuals interested in loans for BTO projects are advised to look at other lending services. Mortgage rates are subject to regular change, so compare SBI’s interest rates with other lenders before your final decision.
Currently, SBI has no BTO offerings.

SBI Private Property Mortgage Rates

Private home loans have more affordable fixed interest rates when compared to its floating rates. Study interest rates regularly to know the plan that fits your budget. On the table below, SBI’s updated private loan rates are displayed.

Generally, SBI doesn’t offer the cheapest loans for private buildings under construction. So, compare rates with mortgage providers to see the best option for you. Check SBI’s current loans rates for private building projects on the list below.