I received this great question from a Patron recently: Hi FH, I am applying for a S$1.2m loan from DBS. For fixed rate, I can get 2.75% flat for 2, 3, 4 or 5 years. Floating is minimum 2 year lock in at 3M SORA + 0.75%. If I want to be conservative I would lock in a 5 year fixed for the shortest tenor of 9 years. I also have the option to stump up the full amount in cash, i.e. no loan at all. Not sure which way to go? Any advice?? Quite a few of you have been writing in about taking fixed interest rate vs floating interest rate vs paying off mortgages in 2022. So I wanted to write this article to share my thoughts. Latest DBS Fixed Interest Rate Mortgage Loans First off – here are the latest DBS Fixed Interest Rates Mortgage Loans. Basically, it is 2.75% for 2, 3, 4 or 5 years. For the record, I know that you can get more attractive mortgage rates at other banks....