LTV & Downpayment Calculator
Maximum loan, minimum cash and how much of the downpayment CPF can cover.
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Rates used
| Bank loan | LTV | LTV · long tenure | Minimum cash |
|---|---|---|---|
| No other housing loan | 75% | 55% | 5% (10% long tenure) |
| 1 outstanding housing loan | 45% | 25% | 25% |
| 2 or more outstanding housing loans | 35% | 15% | 25% |
HDB housing loan: 75% LTV. Long tenure = over 30 years (25 for HDB flats) or past age 65.