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The term "Credit Card Payment" denotes the minimum sum due each month on any unpaid balance or installment. This amount plays a role in the MSR and TDSR, which influence the size of the loan for which you qualify for.

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It generally refers to outstanding dues that you have failed to pay off on time.

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For HFE, the credit card section refers to your monthly credit card bill payments, even if you pay them off in full and never incur interest.

In other words, HDB is looking at your total monthly credit obligations, not whether there is outstanding debt. So the monthly amount that appears on your bill is what they use when assessing affordability.

If you want, I can help you run through your numbers so you know exactly where you stand before applying.
Aren Goh, PropNex
 9657 6701  Read More

It refers to the minimum sum due each month.

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(✔1)
In HFE, the **credit card section** tracks your monthly bill payments, including any outstanding balances or installments.

(✔2)
“Credit Card Payment” refers to the **minimum amount due** each month.

(✔3)
This figure affects your **MSR and TDSR**, which determine the maximum loan you can qualify for.

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NORTH Region //

N1.Springleaf Residence – Upper Thomson Road, D26 | OCR | ~3 min to Springleaf MRT (TEL)

N2.Artisan 8 – Sin Ming Road, D20 | RCR | ~4 min to Upper Thomson MRT (TEL)

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SOUTH Region //

S1.UpperHouse @ Orchard – Orchard Boulevard, D10 | CCR | Direct link to Orchard Boulevard MRT (TEL)

S2.Zion Residences – Zion Road, D9 | CCR | ~4 min to Great World MRT (TEL)

S3.Promenade Peak – Zion Road, D9 | CCR | ~5 min to Havelock MRT (TEL)

S4.Robertson Opus – Unity Street, D9 | CCR | ~7 min to Fort Canning MRT (DTL)

S5.River Green – River Valley Road, D9 | CCR | ~5 min to Great World MRT (TEL)

EAST Region //

E1.Arina East Residences – Tanjong Rhu Road, D15 | RCR | ~3 min to Katong Park MRT (TEL)

E2,Amber House – Amber Gardens, D15 | RCR | ~10 min to Tanjong Katong / Marine Parade MRT (TEL)

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