Our attractive interest rates are pegged to market benchmark rates, such as the Bank Bill Swap Rate (BBSW) for Australian dollar loans and also internal bank Cost of Funds (COF) benchmark rates
Choice of currency with option of currency conversion in case of unfavourable currency movement.
Get insights and advice from our Home Advice Specialists to decide on your overseas property with more confidence.
We invest in overseas properties for many reasons. Perhaps it’s a holiday home in London for your family, or accommodation for your child studying in Australia. Or maybe it’s simply for investment returns.
Whatever your reason, an overseas property is a long-term commitment, which requires careful planning and expert advice.
With DBS Treasures, you’ll get the advice and solutions you need to make the most of your property purchase.
Receive insightful, in-depth guidance from your Relationship Manager, supported by our Home Advice Specialists, and tap on a suite of flexible, competitive loans to complete your purchase.
A Home Advice Specialist will reach out to you.
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* A 10% Loan to Value haircut limit applies for financing in SGD.^ Processing fee is subject to change at the Bank's discretion.
* A 10% Loan to Value haircut limit applies for financing in SGD. ^ Processing fee is subject to change at the Bank's discretion.
Terms and conditions apply.
Once you’ve decided on an overseas property, the first step is to reserve it.
Pay non-refundable reservation fee to reserve your property.
Pay the deposit (less reservation fee) during the Exchange of Contract. This usually takes place within 2 weeks of reservation. The deposit amount and timeline varies, depending on the project and country.
Appoint a lawyer to manage the necessary paperwork on your behalf.
The next step is to get a property loan. The amount will be based on the purchase price or indicative valuation, whichever is lower.
Discuss financing solutions with our Home Advice Specialist or your Relationship Manager.
Consider factors such as your cash-flow and repayment ability, to decide on your ideal loan tenor and financing amount.
When you accept the loan, DBS will appoint a lawyer to manage the paperwork on DBS’ behalf.
Open a Wealth Management Account (WMA) to service your loan repayments.
Pay processing, legal and valuation fees.
About 1 month before your purchase is completed, your lawyer will perform searches on property, title, etc, and will advise you on any concerns.
Purchase your own building/fire insurance. You will need to:
Prepare the funds for all applicable fees and taxes.
The final step is to disburse the loan. There are just 2 things to do:
If your loan is denominated in Singapore Dollars (SGD), contract a foreign exchange rate with your Relationship Manager to convert the loan to Sterling Pound (GBP) or Australian Dollars (AUD).
Ensure there’s enough funds in your WMA to pay for the difference between the purchase price and your loan amount on the actual completion date.
NOTE:Charges, fees and deposit amounts differ by property, and may change from time to time. To ensure a smoother process, simply speak with your DBS Home Advice Specialist for guidance on payments to the various parties involved.
Phone - 1800 221 1111
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