6 Answers

YT Tan (陈永达)
Good afternoon Charmaine,

you will be able to find out what's your eligible LTV with the link below after you turn 35 years old and gotten your HFE.

https://homes.hdb.gov.sg/home/calculator/payment-plan

Hope my sharing aids in your property needs. Do contact me if you need any assistance.

Best regards,

YT Tan
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2
Hi Charmaine,

1) Most people will rely on the online calculator to get the pro-rated LTV.
2) If you don't mind using the manual calculation, here is the formula:
[(Remaining lease - 20)/(95 - age - 20)]x original max loan

3) You will find out how much less you will get based on the formula until you are eligible to apply for the HFE to understand your loan amount.
It is 97.5% of the max loan if the flat you are buying has a remaining lease of 59 years.

4) You should check on the CPF utilization for an older flat that could not meet the 95-year mark as well.
https://www.cpf.gov.sg/member/tools-and-services/calculators/cpf-housing-usage

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2
Hi, appreciate your sharing. It depends on the youngest buyer and balance lease left.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More
1
It is basically a proportion of your max eligible loan and you may actually visit the link to find out more at https://homes.hdb.gov.sg/home/calculator/payment-plan.

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

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2
It's recommended to consult with banks or mortgage advisors to confirm the specific LTV ratio applicable to your situation and to assess your financing options based on your age, the remaining lease of the property, and other relevant factors. Additionally, consider seeking advice from HDB s to ensure you make informed decisions regarding your property purchase.

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Tan Pei Cheng (Pei)
Hi Charmaine
I would be glad to assist you.
Feel free to contact me at wa.me/6597100155 .
Hope to hear from you soon.
Pei
Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd

https://linktr.ee/peiproperty
https://r011838b.propnex.net Read More
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