S’pore mortgage rates rise following Fed hike: What home owners should look out for

At least four fixed-rate mortgages for a $500,000 loan on new private properties and HDB flats have crossed the 2% mark.

Published Oct 02, 2026, 12:45 PM

Updated Oct 02, 2026, 09:44 PM

Some fixed home loan rates in Singapore have risen above 2%, with banks adjusting rates following US interest rate hikes and higher wholesale borrowing costs.

Floating-rate loans are also increasing due to expected further US rate hikes, but Singapore's managed currency policy and "flush liquidity" may limit sharp rises.

Homeowners face a choice between fixed and floating rates, balancing cost, flexibility, and risk amid economic uncertainties and potential inflation pressures.

SINGAPORE – Home loan rates in Singapore are heading back up, after the US Federal Reserve recently raised interest rates for the first time in three years.

Checks by The Straits Times show that both fixed- and floating-rate loan offerings are now higher across the major banks here.

Mortgages/Real estate credit

Residential property

至少有四笔金额为 50 万美元的新私人住宅和组屋的固定利率抵押贷款利率已超过 2%。

发布于 2026 年 10 月 2 日下午 12:45

更新于2026年10月2日晚上9:44

新加坡部分固定房屋贷款利率已升至 2% 以上，银行因美国加息和批发借贷成本上升而调整利率。

由于预期美国将进一步加息，浮动利率贷款也在增加，但新加坡的货币管理政策和“充裕的流动性”可能会限制其大幅上涨。

在经济不确定性和潜在通胀压力下，房主需要在固定利率和浮动利率之间做出选择，权衡成本、灵活性和风险。

新加坡——继美联储三年来首次加息后，新加坡的房屋贷款利率正再次上涨。

《海峡时报》的调查显示，目前本地各大银行的固定利率和浮动利率贷款产品价格均有所上涨。

抵押贷款/房地产信贷

住宅物业