Evening Ann,
With bank loan, you can stretch your mortgage to 65 years old. For HDB loan, it's only till age of 60.
For HDB loan, if this is your first property, you will be eligible fo $15k grant. You are only required to prepare 10% of valuation, which can be paid using CPF. Purchase a unit with valuation of $420k, you will require a loan of $170k, putting $50k cash as COV. Having a loan period of 11 years, your monthly installment is $1500. Your cash top-up would be around $930.
Do feel free to contact me for further discussion.
Regards
Mike Lim
96929209 ERA
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