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Home Loans in Singapore

Home Loans in Singapore 


HDB Loan Bank Loan 
Loan Amount up to 90% purchase price, HDB concessionary loans are a provision for Singaporeans. Currently, the interest rate for an HDB loan is 2.6%.up to 75% purchase price 
Downpaymentat least 10% of the purchase priceat least 25% of the purchase price
Cash/CPF savingsAll 10% can be in Cash or CPF savingsat least must be 5% in cash, the rest of 20% in cash/ CPF

Home loans are subject to changing interest rates. The interest rate "stress test" for TDSR is now at 3.5% for residential property and 4.5% for commercial property. Total Debt Service Ratio must not exceed 60% of your monthly household income. Mortgage Service Ratio (for HDB and Executive Condos) must not exceed 30% of your monthly household income


1st housing loan2nd housing loan3rd housing loan

individual borrowersindividual borrowers
individual borrowers
Loan to value limit 

Revised Rules on or after 6 July 2018.

75% or 55% if the loan tenure is more than 30 years or extends past 65 years

* 25 years, where the property purchased is an HDB flat.

* 75% for a borrower with no outstanding housing loan for the purchase of another residential property

Revised Rules on or after 6 July 2018.

45%; or 25% if the loan tenure is more than 30 years* or extends past age 65

* 45% for a borrower with an outstanding housing loan for the purchase of another residential property

Revised rules on or after 6 July 2018.

35%; or 15% if the loan tenure is more than 30 years* or extends past age 65

* 25 years, where the property purchased is an HDB flat.

Minimum Cash Down Payment
5%; or 10% if the loan tenure is more than 30 years* or extends past age 65
25%25%

Non-Individual Borrowers
Non-Individual Borrowers
Non-Individual Borrowers
Loan to value limit 
Revised Rule
15%
Revised Rule
15%

Revised Rule
15%