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Hi, I have sold my current 5-room unit and am planning to move to a bigger house with my parents, children, and wife. I have engaged a housing agent.

Due to my bad credit history, I needed to fully settle all my outstanding credit bills and obtain closure letters, which I have already done using the cash proceeds from the sale.

Hong Leong gave us an in-principle approval based on our salary, and we proceeded to purchase the next unit. However, after I exercised the Option to Purchase, Hong Leong discovered that one bank had previously raised a case against me in court and blacklisted me. Because of this case, my entire loan application was rejected.

I have also taken an HDB loan twice before.

Does anyone know which bank I can apply to for housing loan approval?

Thank you.
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2 Answers

Mike Lim
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Good day to you.

I assume you hired your property agent to simplify things for you, correct? Now that all your debts are cleared and you don’t have any outstanding obligations, you can use the rejection letter from the bank to pursue a market-rate loan from HDB as your final option.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

I regularly assist clients with sensitive and non-standard situations, including:
• Divorce & Asset Settlement — guiding parties toward fair, practical outcomes for shared properties
• Intestate & Estate Planning — helping families navigate inherited property and future planning with confidence
• Complex Property Matters — including cases involving Lasting Power of Attorney, bankruptcy, or special circumstances

If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

If you’d like short, educational breakdowns on common property questions, you may also find these helpful:
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Geryl Lim
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you may wish to appeal to HDB for loan and seek MP assistance in getting this done by furnishing the supporting documents. Read More
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