My HDB buyers most of them have the intention to sell after 5-10 yrs and they are able to afford the 20% downpayment. As such, the answer for them is DBS 8 or 10yrs loan as it is cheaper than HDB loan. For them, they do not expect themselves to have any financial issues in the future that may affect their shelter. To better answer your query, you would like to share by emailing me propnex@me.com your concerns over your choices? Rgds Philip Chong, Associate Team Director, SAEA Mortgage Planner, Propnex Realty Pte Ltd
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