If you have an outstanding mortgage, for 2nd and above mortgage the maximum loan is 60% subject to your income i.e. initial downpayment is 40% of which 10% must be in cash.
If you paid off your HDB loan, you are entitled to 80% loan i.e. initial downpayment is 20%, 5% must be in cash.
Please also note you need to set aside 3%-5400 (mathematical calculation for stamp duty). This need to be in cash and if you are using CPF for your private property purchase, you can seek reimbursement from CPF.
For the CPF minimum sum, you can refer to the link.
Do call me at (65)-9745-5178 or email email@example.com for any clarification.
Thks & regards,
Mike Tay (郑树荣)
B.Sc. (NUS), EMBA (SUNY)
M: +65 97455178
HSR International Realtors Pte Ltd
Estate Agent Reg No: L3002226G