HDB konut kredisi (%2.6 sabit, %0 nakit peşinat) ile banka SORA mortgage kredisi (%5 nakit peşinat) şartlarını karşılaştırın.
Current 75% LTV regulations & SORA benchmark
LTV = 75\% \\
Downpayment_{HDB} = 25\% \quad (100\%\ CPF\ OA\ Allowed,\ \$0\ Mandatory\ Cash) \\
Downpayment_{Bank} = 20\%\ CPF\ OA + 5\%\ \mathbf{Mandatory\ Cash} \\
PMT = Loan \times \frac{r(1+r)^N}{(1+r)^N - 1}HDB concessionary loans are pegged at CPF OA rate + 0.1% (stable 2.60%). Their key advantage is that the full 25% downpayment can be paid via CPF OA (zero cash outlay required). In contrast, Bank loans mandate a strict minimum 5% cash downpayment, have lock-in exit penalties, and switching to a bank loan is an irreversible one-way route.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
2026 Singapur CPF prim kesintilerini, S$8.000 tavan ücretini ve net ele geçen maaşı hesaplayın.
55 yaş BRS, FRS ve ERS birikimlerine göre 65 yaş CPF LIFE ömür boyu emekli maaşını hesaplayın.
OA (%2.5), SA/MA/RA (%4.05) ve ilk $60.000 için ekstra %1-%2 faiz ile CPF bileşik getirisini hesaplayın.