HDB financing
Understand the role of the HFE letter and the differences between an HDB loan and a bank loan.
Housing loans for Singapore property
Compare housing loans for a purchase or existing property.
Review suitable bank-loan packages for buying or refinancing an HDB flat or private property, with fixed and SORA options, lock-ins, fees and timing explained.
- HDB and private-property paths with the relevant loan choices explained
- Fixed and SORA packages compared beyond the initial rate
- Purchase or refinancing guidance matched to the stage of your property plan
About 2 minutes · No customer brokerage fee · No obligation to proceed
Your housing-loan plan
Tell us about the property and loan
These details help an adviser focus on packages that fit your property and purchase stage.
Thank you
A Mortgage Master adviser will contact you shortly to understand what you need.
HDBand bank-loan paths explained
Fixedand SORA structures compared
$0customer brokerage fee
Property and financing planned together
Plan the financing early
The right loan path depends on the property, purpose and timing.
Buying or refinancing an HDB flat, completed private home or property under construction can involve different eligibility steps, package features and timelines.
Completed or under construction
Review package structures and flexibility that match the property’s completion stage.
Affordability and conditions
Consider loan amount, monthly repayments, lock-ins, fees and lender eligibility together.
Bank-loan comparison
See more than one financing direction.
Mortgage Master compares relevant packages from its bank network and explains how each option fits the property type and purchase stage.
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What happens next
Match the loan to the property plan.
Share the property plan
Tell us whether you are buying or refinancing, the property type and approximate amount.
Review suitable packages
Compare relevant rates, lock-ins, fees, repayment features and lender conditions.
Coordinate the next step
If you choose a package, the adviser helps align the bank process with your purchase or refinancing timeline.
Questions, answered
Know what to expect before you enquire.
Know the main financing decisions before choosing a package.
Do I need an HFE letter before buying an HDB flat?
A valid HDB Flat Eligibility letter is required for an HDB flat purchase. It explains your housing and financing options, including whether you may qualify for an HDB housing loan.
Should I choose an HDB loan or a bank loan?
The suitable path depends on your eligibility, downpayment, rate preference, repayment flexibility and future plans. An adviser can explain the differences, but final eligibility remains subject to HDB or bank assessment.
Are loans different for properties under construction?
They can be. Available rate structures, lock-ins and repayment arrangements may differ for a building-under-construction property, so the property stage should be considered during comparison.
How early should I compare housing loans?
It is useful to understand affordability and available loan paths before committing to a purchase. Exact packages and rates should be checked again when you are ready to proceed.
Plan before committing
Compare the loan around your property plan.
Share whether you are buying or refinancing to receive a more relevant housing-loan comparison.