HDB Resale Bank Loan
Updated on 30 Sep 2022
Home Loan max. 75% of the purchase price
This is an estimate calculation, exact amount subject to Bank calculation and approval.
HDB Resale Bank Bridging Loan
(For those currently own HBD flat)
This is an estimate calculation, exact amount subject to Bank calculation and approval.
Home Loan, Cash & CPF Required
This is an estimate calculation, exact amount subject to Bank calculation and approval.
HDB Resale Payment Timeline
| Description | Normal | Extended | Pay By |
| Upon the grant of Option to Purchase (OTP) | $1,000 | $1,000 | Cash only |
| Upon Exercise OTP (Usually within 14 Days) | $4,000 | $4,000 | Cash only |
| Buyer’s Stamp Duty (Paid during Exercise OTP) | # | # | Cash only |
| Additional Buyer’s Stamp Duty (Paid during Exercise OTP) | ^ | ^ | Cash only |
| Estimated Legal Fee (Paid during Exercise OTP) | $3,000 | $3,000 | Cash only |
| Min. Cash for Normal Home Loan (5% - OTP - Exercise Fee) | 5% Less $5,000 | - | Cash only |
| Min. Cash for Extended Home Loan (10% - OTP - Exercise Fee) | - | 10% Less $5,000 | Cash only |
| Max. Home Loan (Have a bank offer letter ready before exercising the OTP) | 75% | 55% | Home Loan |
| Balance paid during completion | 95% - HL | 90% - HL | Cash or CPF |
Home Loan (HL) Max. 75%, Extended Home Loan Max. 55%
# If property Price < 1m = 3% less $5,400 if >1m = 4% less $15,400
^ Click here to check your Additional Buyer’s Stamp Duty (ABSD)
Loan-To-Value (LTV)
(HDB Resale Flat)
| Loan Tenure | Up to 25 Years | Up to 25 Years | 26 to 30 Years |
| Sum of Tenure & Age of Borrower (at application) | <= 65 Years | > 65 Years | |
| Loan-To-Value (Max. Home Loan) | 75% | 55% | 55% |
| Min. Cash Down Payment | 5% | 10% | 10% |
| Next Payment (Cash or CPF) | 20% | 35% | 35% |