Singapore · UOB bridging loan
UOB bridging loan in Singapore
UOB is Singapore's third local bank with a substantial active mortgage book. Its bridging-loan product is typically priced against the UOB board rate and is most commonly offered to customers also taking the onward UOB home loan.
What UOB offers
UOB 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 UOB
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 UOB against other lenders
UOB is one of 12 MAS-regulated SG bridging-loan lenders. To compare UOB'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 UOB require me to take their home loan to access bridging?
UOB typically prefers customers also take the onward mortgage from UOB when applying for the bridging facility. This bundling simplifies operations and may improve pricing. Standalone bridging without the onward loan is offered selectively.
What's the UOB bridging-loan application process?
Apply through a UOB mortgage adviser or via a MAS-regulated mortgage broker. The application is reviewed alongside any onward home-loan application. Approval is transaction-specific based on your existing-property sale documentation and credit profile.
What is the UOB bridging-loan interest rate?
UOB 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. UOB 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 UOB 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 UOB bridging loan?
Apply through a UOB mortgage adviser, directly via UOB's online channels (if available), or via a MAS-regulated mortgage broker who can compare UOB against other lenders in parallel.
Source & verification
All facts ingested from UOB'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 UOB directly or use the free shortlist tool.