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This guide outlines typical upfront Cash and CPF required. But client's profile, citizenship status, existing home loans, CPF savings, and purchase price can significantly impact your requirements.
With growth in Singapore slowing and inflation moderating, the key question now becomes: Should homeowners opt for Fixed‑rate stability or Floating‑rate flexibility?
Your circumstances, total loan quantum, income stability, HDB vs private, expected sale or upgrade horizon, should guide your choice
Insights & Updates Latest News It’s a question that few homeowners want to think about, but one that’s extremely important. When you …
Adding parents as co-borrowers can increase your mortgage loan eligibility — but it may trigger ABSD or CPF restrictions if they’re co-owners. Fairloan explains how to structure ownership and borrowing smartly to maximise approval while avoiding unnecessary taxes.
Singapore Permanent Residents can buy only resale HDB flats, not BTOs, and must use bank financing. Both applicants must be PRs for at least three years. Fairloan explains eligibility, financing options, and how PRs can plan smartly for home ownership in Singapore.
HDB often approves higher loan amounts because it uses a lower stress-test rate than banks’ 4%. While both now cap at 75% LTV, HDB loans let you use CPF for the full downpayment, offering stability versus fluctuating bank rates.