Property Financing, Loans, TDSR and LTV
What you can borrow in Singapore is capped from two directions: a limit on your total debt servicing relative to income, and a limit on the loan relative to the property's value. These guides explain how those caps interact with your cash, your CPF and your existing loans to set a real purchase ceiling.
Who this is for: Buyers and upgraders working out what a bank will actually lend them.
Financing & Loans Guides
Every PropKaki guide on financing & loans, newest first.
HDB Loan vs Bank Loan in Singapore: Which Is Better, Worked Out on a Median 4-Room Flat
An HDB loan charges 2.6%, lets CPF pay the 25% downpayment apart from the option fees, and can be refinanced to a bank later. A bank loan needs at least 5% of the price in cash and can never be refinanced to HDB, but it costs less for as long as its rate stays under 2.6%. Here is the difference in dollars on a median-priced 4-room flat.
Can Rental Income Be Used for Home Loan Assessment in Singapore?
Yes, rental income may support a home loan application in Singapore, but banks usually assess it conservatively. The biggest distinction is between actual rent already being received and future rent that is only expected, plus whether the borrower can prove the income clearly.
Can You Get a Property Loan If You Already Have a Mortgage in Singapore?
Having an existing mortgage does not automatically block a new property loan in Singapore. What matters is whether the borrower can still meet the bank's affordability checks after counting all existing debts.
Fixed vs Floating Home Loan Rates in Singapore: What to Know
Fixed vs floating home loan rates in Singapore: a practical guide to payment stability, flexibility, repricing, lock-in terms, and the package details that matter beyond the headline rate.
Home Loan Eligibility for Self-Employed Buyers in Singapore: Documents, Income Proof, and Common Pitfalls
Self-employed buyers can get home loans in Singapore, but banks usually assess them through tax records, bank statements, and business documents rather than payslips. The practical edge is knowing how to pre-check the income trail, prepare the right documents, and spot issues before you commit to a purchase.
Home Loan Lock-In Period in Singapore: Can You Refinance Early?
A home loan lock-in period is a contract term, not a general market rule. In Singapore, you can sometimes refinance before it ends, but the real question is whether the new loan savings can outweigh the penalty, clawbacks, legal fees, valuation fees, and other exit costs.
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Financing & Loans — Frequently Asked
What does Financing & Loans cover?
What you can borrow in Singapore is capped from two directions: a limit on your total debt servicing relative to income, and a limit on the loan relative to the property's value. These guides explain how those caps interact with your cash, your CPF and your existing loans to set a real purchase ceiling.
Who are these Financing & Loans guides for?
Buyers and upgraders working out what a bank will actually lend them.
How many PropKaki guides cover Financing & Loans?
PropKaki publishes 18 guides on financing & loans, most recently updated 19 September 2026. Every guide is built on real URA, HDB and data.gov.sg data, with the working shown.
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