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Good morning EC upgrader, If you never choose to sell off your HDB but choose to stay in it while waiting for EC to be ready and still have outstanding loan for EC, you will be only eligible to loan up to 50% for max loan tenure of 30 years or till retirement age of 65 years old. 50% downpayment will be based on 25% cash and 25% CPF/ cash. Do take note that because you still have CPF OA funds locked in the HDB, you are only able to use the excess after setting aside the minimum sum. These amount can't be taken from bank. Hope it helps! Feel free to contact me if you need any assistance in your EC upgrading process. I am helping my friend in the same situation as yours now. Cheers! Warmest Regards, YT TAN 陈永达 | ACCA Graduate, RES Senior District Manager R043025D ECG Property Pte Ltd (A Wholly Owned Subsidiary of ECG Group of Companies) Estate Agent no. L3009759F Blk 190 Lorong 6 Toa Payoh #05-508 S (310190) (M): +65 9111 5171  (E): yt.lovelyhomes@gmail.com (W): www.yttan.com (W): yttan.stproperty.com.sg/ (W) www.lovelyhomes.com.sg (W) www.ecgproperty.com Read More

Hi; You can continue to stay in your HDP while waiting for your EC to TOP..Loan wise,you can get max 80%(subjected to approval by banks),but please bear in mind the new MSR of 30% is applicable for new EC.On top of that,the bank will need you to sign a undertaking letter saying that you will dispose off your current hdb upon completion of your EC in order to get the max 80% loan..please do feel free to contact me for further info..I am currently marketing a few new ECs direct from developer.Thanks Rgds; Lyna ERA 9623-8442  Read More