• loading

    ANZ Home Loan

    We found 2 ANZ Home Loan

    Bank Name
    Interest Rate Type
    Interest Rate
    Lock in Period
    0.10% - 0.25% p.a.
    What you get
    What you need
    What Documents are required
    What it costs
    What you'll love
    What you get
    What you need
    What Documents are required
    What it costs
    What you'll love

    ANZ Home Loan


    ANZ Home Loan

    ANZ Singapore Home Loan is a product helps customers in procuring residential property to fulfil your dream of buying a house. The bank also offers equity loans to leverage the value of your property, by mortgaging the same. The bank has a sizable share in the home loan industry, and is one of the most preferred banks for retail customers.

    You’re probably eligible for an ANZ Home Loan if you are

    ANZ Home Loan Minimum Age

    Atleast 21 years

     ANZ Home Loan Maximum Age

    Less than 65 years

    ANZ Home Loan Eligible Employment Type

    Salaried / Self-employed
    with regular income

    ANZ Home Loan Minimum Income

    Earn more than the minimum
    income required

    Your ANZ Home Loan amount eligibility is based on these factors

    ANZ Home Loan Minimum Salary

    EMI limited to about 50%
    of monthly income

    ANZ Home Loan Maximum Loan to property value

    Loan capped @ 80% of property value

    ANZ Home Loan EMI

    EMIs of other loans lower
    your eligibility

    Increase your eligible ANZ Home Loan amount by these steps

    ANZ Home Loan Add Spouse as Co-applicant

    Make your spouse a co-applicant,
    and her income will add
    to your eligibility

    ANZ Home Loan Maximum Tenure

    Choose longer tenure loan from 5 to 30 years

    ANZ Home Loan Add parents as Co-applicant

    Alternatively add your parents

    Documentation needed to apply for an ANZ Home Loan

    • 1. Copy of NRIC/Passport of all Applicants & Owners
    • 2. Latest Computerised Payslip (salaried)
    • 3. CPF Statement – Latest 12 Months Contribution History (salaried)
    • 4. 2 Years Income Tax Assessment (self-employed)
    • 5. Option to Purchase or Sale & Purchase Agreement (for new purchase)
    • 6. Tenancy Agreements (if any)
    • 7. Evidence of sale of existing property (if applicable)

    ANZ Home Loan DetailsUpdated on 29 Mar 2017

    ANZ Home Loan Details
    Margin of Finance Up to 80%
    Loan Tenure 5 years – 30 years

    ANZ Singapore Overview

    ANZ is the third largest bank in Australia, only behind the Commonwealth Bank and Westpac Banking Corporation. Considering the potential of the growing Singaporean economy, the bank established an offshore branch in the year 1980, which turned into a full pledged bank by the year 2002. ANZ Bank offers several products for retail customers. These products include personal loans, home loans, credit cards and other products that are demanded by retail customers. The bank offers the most competitive interest rates in Singapore along with a host of solutions that makes banking with ANZ a pleasure for every customer.

    Why choose an ANZ Housing Loan?

    Choose between fixed or floating rates of interest for the best home loan solution that suits you.

    ANZ offers competitive interest rates in the banking industry.

    ANZ offers savings on legal fees and property assessment fees, which can run into hundreds of dollars

    Different Property Loans offered by ANZ Singapore

    ANZ offers three types of property loans to finance your dream home in Singapore and also provides personalised services with flexible repayment options and attractive interest rates.

    Residential Property Loan – ANZ Bank can help any eligible person buy a home of their choice. The process is quick for approving a residential loan, as it is a very straight-forward loan requirement.

    Equity Loan – An equity loan is for someone who wants to leverage the value of their property. The bank would mortgage the property and provide a loan based on the market value of the property and the eligibility of the applicant.

    Bridge Loan – A bridge loan is a short term loan that helps the applicant fulfil the down payment for the property with the loan, when he might be awaiting the receipt of sales proceeds.

    • The minimum loan that can be given by the bank is S$15,000.
    • Get up to 80% of property value as a loan. This can be very helpful as it would reduce the cash payable as down payment, and in the case of an equity mortgage, you can get more out of your property.
    • Loan tenure – Every loan comes with a minimum tenure of 1 year and a maximum tenure of 5 years.
    • The monthly repayment will only be in the form of Equated Monthly Instalments, where both principal and interest would be repaid every month.

    ANZ Bank offers two types of interest rates for its customers; fixed interest rates and floating interest. As the name suggests, fixed interest loans come with a pre-determined rate by the bank, which does not change during the tenure of the loan. To the contrary, floating interest rate loans are based on the one of the following:

    • 3 month SWAP Offer Rate (SOR)
    • Average of Swap Offer Rate (SOR) and the Singapore Interbank offered Rate (SIBOR)
    Type of Fee Amount Charged
    Issue of property loan statement S$20 per statement
    Issuance of letter of variation S$250
    Using an insurer other than one approved by ANZ for fire insurance S$150 per annum
    Safe keeping of title deed for a fully repair facility S$300 per annum

    Note - When terms and conditions to the loan vary, a new letter of variation can be issued for S$250.

    The following people are eligible to apply for an ANZ Singapore Home Loan -

    • Citizens & Permanent Residents of Singapore
    • Foreigners residing in Singapore
    • Residents of the following countries who aren’t residents of Singapore are also eligible – Taiwan, Malaysia, China, Dubai, Cambodia, Hong Kong, Fiji and Philippines

    When applying for an ANZ Singapore Home Loan, you would need to provide the following documents for swift disbursal of the loan. For all Singaporean citizens, providing a copy of the identification card is mandatory, while residents would need to provide their employment pass along with any documents supporting his/her employment.

    Salaried employees

    • CPF statement or one of the following documents
    • Last 6 months printed CPF statement
    • Last 6 months commission statements from the company of employment.
    • Latest computerized payslip from your company.
    • Latest Income Tax Notice Assessment

    Self-Employed Businessmen

    • Income Tax Assessment - minimum of last 2 years.

    ANZ Bank offers a variety of promotions with its home loan products in Singapore and these promotions can help you in enjoying a lower interest rate and other benefits. These promotions are periodic in nature and currently the bank is not offering any promotion other than its referral rewards programme.

    You can earn up to an amount of S$450 as a cash credit for successfully referring your friends and family to apply for ANZ Property Loan and to start a Priority Banking relationship with the bank.

    Loan Amount ANZ Property Loan ANZ Property Loan along with Priority Banking relationship
    S$300,000 - S$500,000 S$100 S$250
    S$500,001 - S$1,000,000 S$200 S$350
    S$1,000,001 and more S$300 S$450

    ANZ Singapore Home Loan – FAQs

    No, a guarantor is not required while applying for an ANZ home loan.
    Security in the form of completed or under-construction private residential properties or HDB properties can be provided.
    ANZ Bank offers complimentary one year fire insurance on your property. The coverage for insurance includes personal liability if any, building and its contents, loss of rental revenues or the cost of acquiring temporary accommodation.
    Yes, you can buy ANZ’s Elite HomeProtect scheme to safeguard your dream home against damages or any losses sustained. This home insurance plan extends maximum protection to your home and provides with the necessary financial assistance during emergencies.
    Existing ANZ customers can get up to S$450 cash credit when they refer family or friends to avail an ANZ Property Loan and also become an ANZ Signature Priority Banking customers.

    Compare Home Loan Offers from Top Lenders. Apply Online and Get e-Approved Instantly.

    This Page is BLOCKED as it is using Iframes.