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Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR
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Bank Loan
- CPF or Cash
- LTV 75%, 25% Downpayment (Min 5% Cash)
- Cannot convert back to HDB Loan
- Early repayment penalties
- Interest rate subjected to market conditions
HDB Loan
- CPF or Cash
- 15% Downpayment (Can pay by CPF and Housing Grants)
- Can convert to Bank Loan anytime
- No early repayment penalties
- Interest rate fixed at 0.1% above CPF OA rate, currently 2.6%
Early repayment vs Opportunity cost
- Interest arbitrage 2% Bank Loan Rate vs 4% CPF SA
- Peace of mind especially when you lose your job
