Personal, Home & Property Loans


Personal Loans

Cash Loans (EasiCredit & ExtraCash Loan)

FLEXIBLE REPAYMENT
(EasiCredit)
A line of credit suitable for people who have cash needs from time to time.

Eligibility

  • Age 21 and above
  • Annual income S$20,000 and above
    (For customers with annual income less than $30,000, only Singaporeans can apply)
  • Singaporeans, Singapore PRs and foreigners



Fees & charges





FIXED REPAYMENT
(ExtraCash Loan)
An instalment loan suitable for people who have a one-time borrowing need

Eligibility

  • Age 21 and above
  • Singaporeans (Annual income more than S$20,000)
  • Singapore PRs and Foreigners (Annual income more than S$30,000)

Fees & charges





Flexible repayment

  • Take as long or as short a time to repay
  • Borrow up to 6x your monthly salary
  • 3 mins approval at branches

Eligibility

  • Age 21 and above
  • Annual income S$20,000 and above
    (For customers with annual income less than $30,000, only Singaporeans can apply)
  • Singaporeans, Singapore PRs and foreigners

Fees & charges





Fixed repayment

  • Loan terms of 1-5 years
  • Borrow up to 6x your monthly salary
  • Same-day approval at branches

Eligibility

  • Age 21 and above
  • Singaporeans (Annual income more than S$20,000)
  • Singapore PRs and Foreigners (Annual income more than S$30,000)

Fees & charges




Car Financing

New Car Financing

For new car purchases from car distributors / parallel importers

Eligibility

  • Age 21 and above
  • Singaporeans, Singapore PRs and foreigners
  • For applicants who purchase new cars from car distributors / parallel importers

Benefits





Used Car Financing

For used car purchases from car dealers / direct owners

Eligibility
  • Age 21 and above
  • Singaporeans, Singapore PRs and foreigners
  • For applicants who purchase used cars from car dealers / direct owners

Benefits





Car Refinancing

Switch your existing car financing to OCBC to enjoy lower monthly instalments

Eligibility
  • Age 21 and above
  • Singaporeans, Singapore PRs and foreigners
  • For applicants who have an existing car financing with other banks (for at least 6 months) at an interest rate of 2.40% a year or more

Benefits




Study Loans

FRANK Education Loan

A loan to help pay for your education dreams

Eligibility

  • Age 17 and above
  • Annual income S$24,000 and above (individual or with joint applicant)
  • Joint applicant must be student’s spouse, sibling or parent
  • Singaporeans and Singapore PRs

3 repayment options to suit your needs





FRANK Tuition Fee Loan

A loan to help pay for your university education

read more ...





For local private or overseas institutions

  • Up to 8 years to repay
  • Borrow up to S$150,000 or 10x the monthly income

Eligibility

  • Age 17 and above
  • Annual income S$24,000 and above (individual or with joint applicant)
  • Joint applicant must be student’s spouse, sibling or parent
  • Singaporeans and Singapore PRs

3 repayment options to suit your needs




Home & Property Loans

Home Loan (new purchase and refinancing)

3 different packages to suit your needs


Eligibility

HDB
For HDB purchase, you must meet HDB eligibility

Private property
Everyone, including Singapore PRs and foreigners are eligible.


Amount you can borrow

HDB
From S$100,000 to 80% of valuation

Private property
From S$200,000 to 80% of valuation



Renovation Loan

Your home the way you imagined.
Now made easier.


A seamless one-step application process

As low as
2.63% p.a.


Eligibility

  • Age between 21 and 59
  • Singaporeans and PRs
  • Single Application: Minimum income of $24,000 per year
  • Joint Application: At least 1 applicant must earn a minimum income of $24,000 per year

Application Process



Benefits


Fees & Charges




Overseas Property Loan

Expand your investment portfolio with our overseas property financing




Financing for overseas properties





What you need to provide

  • Copy of NRIC / passport
  • Copy of employment pass / work permit (for foreigners)
  • Income documents
    • Pay slips from the last 6 months
    • CPF contribution history of last 12 months
    • 2 years' income tax statement for self-employed
  • Reservation form / booking form / lease agreement / contract for sale

Application process



Construction Loan

Build your dream home with our financing solution




Eligibility

  • Age 21 and above
  • Singaporeans and Singapore PRs
  • Foreigners (if approved by Land Dealings)