HDB Concessionary Housing Loan (CPF OA + 0.10%)

HDB Concessionary Housing Loan (CPF OA + 0.10%) from Housing & Development Board (HDB) prices from 2.60% p.a. (Concessionary Pegged (CPF OA + 0.1%), benchmarked against CPF OA (2.50%) + 0.10%) with a 0-year lock-in and Zero early repayment or refinancing penalty at any time. Key Metrics: Lender: Housing & Development Board (HDB) · Package Structure: Concessionary Pegged (CPF OA + 0.1%) · Year 1 Effective Rate: 2.60% p.a. · Benchmark / SORA: CPF OA (2.50%) + 0.10% · Lock-In Period: 0 years · Minimum Loan Size: S$50,000 · Refinancing Subsidy: Zero early repayment or refinancing penalty at any time · Offset / Account Link: Downpayment fully payable via CPF OA (0% mandatory cash downpayment, vs 5% cash on bank loans). Eligibility: Minimum loan quantum S$50,000; subject to MAS Total Debt Servicing Ratio (TDSR <=55%) and Mortgage Servicing Ratio (MSR <=30% for HDB/EC). 0-year lock-in; refinance out to a 1.78% bank loan anytime penalty-free..