Mortgage
What Sets Your Mortgage Rate in Singapore? 9 Factors (2026)
What sets your Singapore home loan rate in 2026: the Fed, MAS, SORA, bank spreads, inflation, fixed versus floating, HDB loan pegs and your own profile.
What sets your Singapore home loan rate in 2026: the Fed, MAS, SORA, bank spreads, inflation, fixed versus floating, HDB loan pegs and your own profile.

SIBOR and SOR are gone. How SORA floating and fixed rate home loans work in 2026, what they cost today, and a worked example of when each one comes out ahead.

Where Singapore home loan rates stand in Oct 2026, why SORA sits far below US rates after the Fed's hike, what could move it, and how to plan your loan.