Singapore · DBS bridging loan
DBS bridging loan in Singapore
DBS is Singapore's largest local bank by total assets and mortgage book. Its bridging-loan product covers HDB and private property transitions, with the facility typically bundled with the onward DBS home loan.
What DBS offers
DBS Bank provides bridging facilities for 2 product types:
HDB bridging loan
Bridges the cash-flow gap between buying a new HDB flat and receiving sale proceeds from your existing HDB. Available to HDB upgraders, downgraders and lateral movers. Sale proceeds of the existing flat secure the loan.
HDB bridging loan guidePrivate property bridging loan
Bridges the timing gap when transitioning from one private property to another, or from HDB to private. Secured against sale proceeds of the outgoing property.
Private property bridging loan guideStandard bridging-loan mechanics at DBS
Most major SG bank bridging facilities follow the same general shape:
- Tenure: 6 months from disbursement (industry standard)
- Security: Net sale proceeds of your outgoing property
- Pricing model: Pegged to bank prime / board rate or SORA — quoted on application
- Eligibility: OTP signed on new property, firm sale arrangement on existing property, standard credit underwriting
- Bundling: Most commonly offered alongside the onward mortgage from the same bank
For full pricing context, see the bridging-loan interest rate guide. For the complete bridging-loan framework, see the Singapore bridging-loan guide.
How to compare DBS against other lenders
DBS is one of 12 MAS-regulated SG bridging-loan lenders. To compare DBS's offering against other banks and finance companies:
- See the rate comparison table grouped by product type
- Browse all lenders for source-cited bridging-loan pages
- Use the free shortlist tool to receive parallel quotes from MAS-regulated mortgage brokers
Frequently asked questions
Does DBS offer bridging loans for both HDB and private property?
Yes — DBS offers bridging facilities for both HDB resale transitions and private-property purchases. The bridging facility is most commonly extended to customers also taking the onward home loan from DBS.
How do I apply for a DBS bridging loan?
Apply via DBS digibank, through a DBS home-loan mortgage adviser, or via a MAS-regulated mortgage broker who can submit the application alongside the onward home-loan application. The bridging facility is approved transaction-by-transaction.
What is the DBS bridging-loan interest rate?
DBS bridging-loan rates are quoted on application. Banks typically price bridging facilities against their prime / board rate or against SORA, with the specific spread depending on the transaction. DBS does not publish a fixed bridging-loan rate. See the bridging-loan interest rate guide for the full pricing-model context.
What is the typical tenure on a DBS bridging loan?
6 months is the industry-standard tenure across virtually all MAS-regulated SG lenders. Some lenders allow extension at materially higher rates if your existing-property sale completes late.
How do I apply for a DBS bridging loan?
Apply through a DBS mortgage adviser, directly via DBS's online channels (if available), or via a MAS-regulated mortgage broker who can compare DBS against other lenders in parallel.
Source & verification
All facts ingested from DBS Bank's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework. This page is informational only and does not constitute financial advice. For binding rates, contact DBS directly or use the free shortlist tool.