How to pick the best mortgage loan type?

TL;DR: While there are a handful of loan options when it comes to financing your home, some loans may not be available to you, depending on the type of property you’ve purchased. It’s not just the property type that affects your eligibility either. Depending on whether your home has been completed, HDB and private banks might decide to withhold certain loan options from you.

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Naturally, HDB will only offer HDB flat buyers with loans. Banks also do not provide fixed rate loans for properties that are under construction, as doing so would mean locking in an interest rate before the condition of the house – and its actual value – is known.

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