Reprice your existing DBS home loan

Frequently asked questions

When should I reprice my loan? Am I eligible?

Your loan is eligible for repricing 4 months prior to your commitment period expiry. You should have a loan balance of more than $100,000 and a remaining tenure of more than 5 years.

Can I do a partial repayment along with repricing my loan?

Yes! You may opt to do a partial repayment along with repricing your loan. Upon submitting your repricing application, do also inform your designated Relationship Officer on your intention. Do note that repayment made within the commitment period may incur prepayment charges and/or clawback of fees.

Can I revise my loan tenure when repricing my loan?

Our repricing application allows you to indicate your intention to revise your loan tenure, it is however, subjected to approval and the fulfilment of regulatory guidelines. Indicate your intention during your application and we will get back to you!

When will my new repriced rates be effected?

Your new repriced rates will be effected

  • 1 month from the date of acceptance OR
  • Upon your commitment period expiry. Inform your Relationship Officer during your repricing application if you wish for your repricing to be effected only upon the expiry of your commitment period.

Note that the effective date can only be scheduled on a business day (Monday to Friday, excluding Public Holidays).

How do I know what’s my monthly instalment after repricing my loan?

Once your repriced rates are effected, the bank will issue a change in instalment letter to inform you on your revised monthly instalment. This will be sent to your registered mailing address.

What is TDSR? And what happens if my TDSR does not meet the requirements?

TDSR represents Total Debt Servicing Ratio. This will be applicable to home loan account holders who are holding the following:

  • Properties for investment use
  • Properties with Mortgage Withdrawal Loans
  • Commercial Properties.

For the above 3 categories, you will be required to submit their income documents during their application for TDSR assessment. You will be able to proceed with repricing if your TDSR is within stipulated guidelines.


If your TDSR does not meet the requirements
You will still be eligible for repricing, but you will be required to pay down at least 3% of your outstanding loan amount.

This 3% repayment can be done via:

  • One-time payment before your repricing effects
  • Via instalments over 36 months
Still need help?

We're just a message away. Contact us for personalised assistance on your home loan journey.