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Good day to you.

Your primary goal is to prevent any cash payment when making the purchase, which means that the HDB loan is your sole option. When you refinance the mortgage, you will still need to provide at least a 5% cash outlay, not accounting for the refinancing fees.

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Hi,

1) Unfortunate the world is not working this way.
2) The bank will still ask for the 5% cash from you when you do the switching.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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While I understand this is the most ideal, however, it continues to be ideal instead of real. You can have the best of both worlds in this instance. I'll highly encourage to use cash instead of CPF given that CPF also pays you interest if you keep your funds in the account. Read More

1. If your goal is **no cash outlay** for the purchase, taking an **HDB loan is your only route**.
2. Even when refinancing your mortgage later, you will still need to **pay at least 5% in cash**, excluding any refinancing fees.

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