Personal Financing
Personal Banking
For Individuals
Explore UBGROUPSG products and services available through online application.
Accounts
Cards
Loans
Insurance
Digital Banking
Online Applications
Choose the financing solution that matches your needs. Application eligibility, supporting information and approval requirements differ by product.
Flexible Credit
UBGROUPSG CashPlus
Keep a standby line of credit with several cash-access options and a complimentary CashPlus Visa Card.MyInfo application availableShort-Term Financing
UBGROUPSG Balance Transfer
Receive eligible instant cash at a promotional 0% interest rate with a one-time processing fee and a choice of short tenors.For eligible UBGROUPSG card or CashPlus customersDebt Management
Debt Consolidation Plan
Combine eligible unsecured credit balances into one facility with a single monthly repayment over the selected tenor.Assessment and documentation requiredProperty Financing
HDB Home Loan
Finance a new HDB purchase or refinance an existing loan with available SORA or fixed-rate packages.New purchase and refinance applicationsProperty Financing
Private Home Loan
Apply for financing or refinancing for an eligible private residential property.Individual and joint applicationsProperty Financing
Property Equity Term Loan
Use eligible equity in a residential property to obtain funds for personal financial needs.Property valuation and assessment requiredVehicle Financing
Car Loan
Finance an eligible new or used vehicle through a participating dealer or supported direct application process.Hirer and guarantor applicationsVehicle Financing
COE Car Loan
Explore financing for eligible Certificate of Entitlement renewal when keeping a vehicle for another five or ten years.Vehicle and credit eligibility applyBefore you begin
Prepare for your application
Personal details
Have your identification, contact information and Singpass access ready. MyInfo can pre-fill information for supported applications.Income information
Depending on the product, UBGROUPSG may require payslips, CPF contribution history, an income-tax assessment or employment documents.Product documents
Property and vehicle financing may require purchase agreements, valuations, property information or vehicle details.Review the total cost
Consider the effective interest rate, processing fees, repayment amount, tenor and consequences of late or early repayment.Applications are subject to approval
Product availability, eligibility, rates, fees, documentation and application channels may change. Submission does not guarantee approval. UBGROUPSG may approve a different amount, rate or tenor based on its assessment.