Reviewed September 2026. Loan rules, rates, eligibility and CPF policies change. This is general education, not personalised financial advice.
Compare the full financing structure
An HDB loan and a bank loan differ in eligibility, downpayment, interest-rate structure, refinancing flexibility and risk. Do not choose from a headline rate alone.
- Confirm current HDB loan eligibility and HFE results.
- Compare current LTV, cash and CPF downpayment requirements.
- Record the rate formula, lock-in, repricing and refinancing terms.
- Test MSR, TDSR, income interruption and materially higher rates.
- Include legal, valuation and switching costs.
Use current HDB, CPF and MAS guidance plus written lender offers. Obtain regulated advice before selecting a package.