UOB features a variety of dwelling personal loan offers for HDB flat house owners, giving an alternative choice to the HDB Concessionary Mortgage. Their choices incorporate the two set-rate and floating-amount packages, that are normally pegged on the three-Thirty day period Compounded SORA. By way of example, a promotional bundle may possibly give a fee of three-Month Compounded SORA + 0.70% p.a. for the first two decades, which has a minimum amount loan dimension of S$250,000. For a fixed-rate alternative, costs is often as little website as 2.28% for a two-calendar year lock-in period of time. Eligibility to get a UOB loan is topic to Assembly the overall Personal debt Servicing Ratio (TDSR) of fifty five% and also other credit history specifications. UOB also provides a novel "Go Environmentally friendly Property Financial loan" for Houses using a BCA Green Mark certification, supplying income rebates. Moreover, These are noted for a small valuation fee of just S£one hundred fifty moreover GST and supply a bridging financial loan selection for homeowners transitioning concerning Attributes.