Asked by Kaki
Hi, which loan is better. Hdb loan or bank loan? What is the pros and cons?
943 views
6 Answers
Hi Kaki,
1) Based on interest rates alone, HDB loan (at 2.6%) vs Bank loan (can be as low as 1%), taking a bank loan is definitely better.
2) However, in the long run, bank interest rates will defintely go up, whereas HDB loan rate (which is pegged 0.1% higher than CPF OA interest rate), will probably remain low and stable.
3) Also, in the scenario of monthly instalment defauly, HDB will be more compassionate, whereas bank being commercial entity will go by the book since it is profit driven.
4) For bank loan, need 5% cash + 15% cash/CPF as downpayment if you are able to take the max 80% loan. For HDB loan, the max is 90% and if you have enough money in CPF OA, the cash required will be minimum.
The rule of thumb is if you are eligible to take HDB loan, should go ahead and take it. But there are many people choosing bank loan instead to take advantage of the low interest rates. You need to weigh the pros and cons and decide for yourself.
Please call me at 98628691 for further discussion.
Thanks.
Ander Ang
DTZ Read More
1) Based on interest rates alone, HDB loan (at 2.6%) vs Bank loan (can be as low as 1%), taking a bank loan is definitely better.
2) However, in the long run, bank interest rates will defintely go up, whereas HDB loan rate (which is pegged 0.1% higher than CPF OA interest rate), will probably remain low and stable.
3) Also, in the scenario of monthly instalment defauly, HDB will be more compassionate, whereas bank being commercial entity will go by the book since it is profit driven.
4) For bank loan, need 5% cash + 15% cash/CPF as downpayment if you are able to take the max 80% loan. For HDB loan, the max is 90% and if you have enough money in CPF OA, the cash required will be minimum.
The rule of thumb is if you are eligible to take HDB loan, should go ahead and take it. But there are many people choosing bank loan instead to take advantage of the low interest rates. You need to weigh the pros and cons and decide for yourself.
Please call me at 98628691 for further discussion.
Thanks.
Ander Ang
DTZ Read More
1
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
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Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
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For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
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For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
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✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
---///------
CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
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新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
---///------
CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价
新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
---///------
CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价
新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
---///------
CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价
新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
---///------
CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价
新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
---///------
CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价
新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
---///------
CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价
新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
---///------
CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价
新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
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IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
For PRIVATE HOME BUYERS
✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
DEVELOPER SALES TEAM
✔✔ BEST PRICES ✔✔ NO AGENT FEES
✔✔ LOWEST PRICE GUARANTEED
For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com
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CHINESE VERSION // 中文版本
如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。
✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
WhatsApp：https://wa.me/6598569255
✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费
发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价
新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。
✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com
--------------- 结束 / The END ------------------ Read More