{"id":70216,"date":"2023-10-24T17:18:05","date_gmt":"2023-10-24T09:18:05","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=70216"},"modified":"2024-12-07T18:28:48","modified_gmt":"2024-12-07T10:28:48","slug":"hdb-downpayment-guide-2023","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/hdb-downpayment-guide-2023\/","title":{"rendered":"Understanding HDB downpayments in 2024: A comprehensive guide"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\r\n<p>Navigating the world of home ownership in Singapore can be daunting, especially when understanding the intricacies of downpayments. This guide sheds light on the subject, providing potential homeowners a clear path forward.<\/p>\r\n<hr \/>\r\n\r\n\r\n<h2 id=\"h-what-is-hdb-downpayment\" class=\"wp-block-heading\">What is HDB downpayment?<\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1200\" height=\"800\" class=\"wp-image-70222\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/10\/yuri-krupenin-S2FVm0tOv1w-unsplash-e1698124607213.jpg\" alt=\"hdb downpayment\" \/>\r\n<figcaption class=\"wp-element-caption\">Image credit: Yuri Krupenin on Unsplash<\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n<p>An HDB downpayment is more than just an initial payment; it&#8217;s a commitment to your future home. It represents the upfront amount you pay when purchasing an HDB flat. This payment is typically made during the signing of the <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-tenancy-agreement-ta\/\" target=\"_blank\" rel=\"noreferrer noopener\">Agreement for Lease<\/a>, a significant milestone that usually occurs about six months after you&#8217;ve chosen your flat.<\/p>\r\n<p>\r\n\r\n<\/p>\r\n<h2 id=\"h-breaking-down-the-numbers-hdb-vs-bank-loans\" class=\"wp-block-heading\">Breaking down the numbers: HDB vs. bank loans<\/h2>\r\n<p>\r\n\r\n<\/p>\r\n<p>When it comes to financing your home, <a href=\"https:\/\/www.99.co\/singapore\/insider\/bank-loan-vs-hdb-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">the type of loan you choose can greatly affect your downpayment<\/a>:<\/p>\r\n<p>\r\n\r\n<\/p>\r\n<ul class=\"wp-block-list\">\r\n<li><strong>HDB loans:<\/strong> Those opting for an HDB loan expect to pay 25% of the flat&#8217;s purchase price. For instance, if your dream flat costs S$450,000, you&#8217;d be looking at a downpayment of S$112,500. Thankfully, this amount can be paid using cash, your CPF Ordinary Account (OA) savings, or a combination.<\/li>\r\n\r\n\r\n\r\n<li><strong>Bank loans:<\/strong> Venturing into bank loans introduces more variables. Your downpayment can range based on the <a href=\"https:\/\/www.99.co\/singapore\/glossary\/loan-to-value-ltv-ratio\/\">Loan-to-Value (LTV)<\/a> limit and specific loan terms. Using our S$450,000 flat example, downpayments can vary between S$112,500 and S$202,500.<\/li>\r\n<\/ul>\r\n<hr \/>\r\n<p>\r\n\r\n<\/p>\r\n<p><strong><em>Read more: <\/em><\/strong><em><a class=\"LinkSuggestion__Link-sc-1gewdgc-4 cLBplk\" href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-rental-prices-singapore\/\" target=\"_blank\" rel=\"noopener\">HDB rental prices and latest rental transactions in 2023<\/a><\/em><\/p>\r\n<hr \/>\r\n<p>\r\n\r\n<\/p>\r\n<h2 id=\"h-the-hdb-staggered-downpayment-scheme-a-lifesaver-for-young-buyers\" class=\"wp-block-heading\">The HDB Staggered Downpayment Scheme: A lifesaver for young buyers<\/h2>\r\n<p>\r\n\r\n<\/p>\r\n<p>Enter the <a href=\"http:\/\/hdb.gov.sg\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/sign-agreement-for-lease(opens in a new tab)\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDB Staggered Downpayment Scheme<\/a>\u2014a beacon of hope for young couples and individuals. This scheme breaks down the downpayment into two manageable instalments. The first is due during the Agreement for Lease signing, with the second payable upon collecting your flat&#8217;s keys. It&#8217;s a thoughtful approach, giving homeowners more time to prepare financially.<\/p>\r\n<hr \/>\r\n<p>\r\n\r\n<\/p>\r\n<p>[xyz-ihs snippet=&#8221;Property-Value-Widget-Code&#8221;]<\/p>\r\n<hr \/>\r\n<p>\r\n\r\n<\/p>\r\n<h2 id=\"h-are-you-eligible-criteria-for-the-hdb-staggered-downpayment-scheme\" class=\"wp-block-heading\">Are you eligible? Criteria for the HDB Staggered Downpayment Scheme<\/h2>\r\n<p>\r\n\r\n<\/p>\r\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1200\" height=\"800\" class=\"wp-image-70223\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/10\/dan-burton-WW4sZOuolc0-unsplash-e1698124745143.jpg\" alt=\"hdb downpayment\" \/>\r\n<figcaption class=\"wp-element-caption\">Image credit: Dan Burton on Unsplash<\/figcaption>\r\n<\/figure>\r\n<p>\r\n\r\n<\/p>\r\n<p>Eligibility is key. For those applying with a partner or spouse under the Fianc\u00e9\/Fianc\u00e9e Scheme, both applicants should ideally be first-timers. However, combinations of a first-timer and a second-timer are also considered. Age plays a role, too, with applications ideally made before the younger applicant&#8217;s 30th birthday. Existing HDB owners looking to &#8216;right-size&#8217; have their criteria, ensuring the scheme&#8217;s benefits reach a broad audience.<\/p>\r\n<hr \/>\r\n<p>\r\n\r\n<\/p>\r\n<h2 id=\"h-step-by-step-applying-for-the-hdb-staggered-downpayment-scheme\" class=\"wp-block-heading\">Step-by-step: Applying for the HDB Staggered Downpayment Scheme<\/h2>\r\n<p>\r\n\r\n<\/p>\r\n<p>Once you&#8217;ve set your sights on an HDB flat, the journey begins:<\/p>\r\n<p>\r\n\r\n<\/p>\r\n<ul class=\"wp-block-list\">\r\n<li>Start by determining your loan type.<\/li>\r\n\r\n\r\n\r\n<li>Secure your <a href=\"https:\/\/www.99.co\/singapore\/insider\/hfe-hdb-flat-eligibility-letter-what-is-it-how-to-apply\/\">HDB Flat Eligibility (HFE)<\/a> letter to understand your standing.<\/li>\r\n\r\n\r\n\r\n<li><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">An\u00a0<a href=\"https:\/\/www.99.co\/singapore\/insider\/in-principle-approval-ipa\/\" target=\"_blank\" rel=\"noopener\">In-Principle Approval (IPA)<\/a> from your chosen bank is crucial for bank loans<\/span>.<\/li>\r\n\r\n\r\n\r\n<li>Remember, your creditworthiness will be scrutinised, so ensure your finances are in order.<\/li>\r\n\r\n\r\n\r\n<li>Once approved, your first instalment will be due upon signing the Agreement of Lease.<\/li>\r\n<\/ul>\r\n<hr \/>\r\n<p>\r\n\r\n<\/p>\r\n<p><strong><em>Read more: <\/em><\/strong><em><a class=\"LinkSuggestion__Link-sc-1gewdgc-4 cLBplk\" href=\"https:\/\/www.99.co\/singapore\/insider\/bigger-flats-preferred-october-bto-exercise\/\" target=\"_blank\" rel=\"noopener\">Why first-time homebuyers in Singapore are opting for bigger flats in the October BTO exercise<\/a><\/em><\/p>\r\n<hr \/>\r\n<p>\r\n\r\n<\/p>\r\n<h2 id=\"h-alternative-downpayment-options-the-deferred-downpayment-scheme\" class=\"wp-block-heading\">Alternative downpayment options: The deferred downpayment scheme<\/h2>\r\n<p>\r\n\r\n<\/p>\r\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1200\" height=\"800\" class=\"wp-image-70224\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/10\/kush-dwivedi-T5fnjVj0AW8-unsplash-e1698124850493.jpg\" alt=\"hdb downpayment\" \/>\r\n<figcaption class=\"wp-element-caption\">Image credit: Kush Dwivedi on Unsplash<\/figcaption>\r\n<\/figure>\r\n<p>\r\n\r\n<\/p>\r\n<p>For those aged 55 and above, the <a href=\"https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/sign-agreement-for-lease\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Deferred Downpayment Scheme (DDS)<\/a> offers a unique advantage. It allows eligible homeowners to defer their downpayment until the key collection phase, easing the financial burden, especially if funds are tied up in an existing HDB flat.<\/p>\r\n<hr \/>\r\n<p>\r\n\r\n<\/p>\r\n<h3 id=\"h-conclusion\" class=\"wp-block-heading\">Conclusion<\/h3>\r\n<p>\r\n\r\n<\/p>\r\n<p>Understanding HDB downpayments is pivotal for a smooth home-buying experience in Singapore. By equipping yourself with knowledge and seeking expert advice, you&#8217;re setting the foundation for a future filled with cherished memories in your new home.<\/p>\r\n<hr \/>\r\n    <section id=\"portal-widget-tab-panel-6acd4773542af\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-6acd4773542af\">\n                        <div class=\"row-title-widget\">\n                <div class=\"portal-widget-carousel-title-left\"><h4 class=\"portal-widget-title\">HDB properties for you<\/h4><\/div>\n                <div class=\"portal-widget-carousel-title-right text-right\"><span class=\"portal-widget-see-all-link link-top\"><a href=\"\" class=\"nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale?main_category=hdb&amp;rooms=1,2,3&utm_source=blog&utm_medium=widget\">See all listings<\/a><\/span><\/div>\n            <\/div>\n                        <div class=\"portal-widget-carousel swiper-wrapper\">\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/Wa2mf8RYbpA6KWJq9ntygj?text=Supriya+Kotha&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=1913331000f585d2d5bd4872273e9d8873bbaa9d\" alt=\"357 Clementi Avenue 2 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">357 Clementi Avenue 2<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 120357 \u00b7 D5<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,259 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 799,888<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/357-clementi-avenue-2-hdb-7fvJ3QyWoZ7H3Lob7C65LB?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/F6wc9o4cFnuft5KHNUithT?text=Joji+Lin&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ac35889dbef4a4ebf89d68cc6df6166275a55a0a\" alt=\"3 Lorong Lew Lian Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">3 Lorong Lew Lian<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 531003 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>786 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 520,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/3-lorong-lew-lian-hdb-nyMhWxHdop7Bdhcs5SVZ2Z?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/4BREdCd2wpMkQrKLQJPzfS?text=Charmaine+Choo&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=a8ae33efd0cc8853e28f7481e4f792b88c5d0c2d\" alt=\"520B Tampines Central 8 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">520B Tampines Central 8<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 522520 \u00b7 D18<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,162 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,180,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/520b-tampines-central-8-hdb-JTzeUcmjp4qxrqPc3gvFM3?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/Wzv9oxrs6YoVH6rpYfp7S8?text=Azman+Bin+Abd+Aziz+%28Azman+Abd+Aziz%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=7c856dd50febb645cc8ea1b2dccb438528440f07\" alt=\"325B Sumang Walk Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">325B Sumang Walk<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 822325 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>731 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 570,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/325b-sumang-walk-hdb-D2YvfKUM9tpr9y9njkfwqy?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/6ncKpxGEmVZAgAspVsLFRA?text=Jaren+Chin&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=5710bc5fb0fe1edeb783af426c6adcd483ef9097\" alt=\"273D Punggol Place Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">273D Punggol Place<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 824273 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,001 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 780,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/273d-punggol-place-hdb-3ZNgbSGWy4eXajpC9LSweT?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/VbDjtoWBcV3eCcCQF2CX8i?text=Hwee+Liang+William+Lek&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=4bf6cd18beb347fdb76fd310c7fbd61597d251be\" alt=\"356B Anchorvale Lane Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">356B Anchorvale Lane<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 542356 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,001 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 700,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/356b-anchorvale-lane-hdb-VGzmamfQVM6JUZSvEmSc6D?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                            <div class=\"portal-widget-formatted-tags\">\n            <\/div>\n                        <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/gJsx3yBLaU5Agi8zUBDV3S?text=Joyce+Tong&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=65c38d95746ced94f0f5b52b6e0e60b6aae9b4ba\" alt=\"128A Canberra Street Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">128A Canberra Street<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 751128 \u00b7 D27<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,001 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 660,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/128a-canberra-street-hdb-iiMyjWfT2iHVgTn7sucRJm?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/82ZYWF5YqrSrFt3CBJxwWK?text=Nick+Tan+%E9%99%88%E9%A1%BA%E8%B4%A2&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=7c516eed94656d080655ca341d7e758487bd35a5\" alt=\"661C Edgedale Plains Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">661C Edgedale Plains<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 823661 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>990 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 700,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/661c-edgedale-plains-hdb-Z6FWcYeTeYFzoGSRLYzvBf?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/29g4ZxdQG4XLDtLfv8FxaB?text=Fizzy+Fizz&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d0fb26dd3b7e7605a18baced9dd7d0aafe7183f1\" alt=\"62 Lorong 4 Toa Payoh Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">62 Lorong 4 Toa Payoh<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 310062 \u00b7 D12<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,292 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 950,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/62-lorong-4-toa-payoh-hdb-RquazzikvuWcodJ9BJoQoz?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/mrHTCc7KABVRxJERWVWFk8?text=Sebastian+Soo&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ab4e2442bdf487c838539ec06f4832b8c2d6af4b\" alt=\"716 Woodlands Drive 70 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">716 Woodlands Drive 70<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 730716 \u00b7 D25<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,087 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 569,999<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/716-woodlands-drive-70-hdb-LDSC9cum6WiwDQiW65R6uJ?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <!-- Add Arrows -->\n            <div class=\"swiper-button-next\"><\/div>\n            <div class=\"swiper-button-prev\"><\/div>\n                    <\/div>\n    <\/section>\n\r\n<p>&nbsp;<\/p>\r\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Navigating the world of home ownership in Singapore can be daunting, especially when understanding the intricacies of downpayments. This guide sheds light on the subject, providing potential homeowners a clear path forward. What is HDB downpayment? An HDB downpayment is more than just an initial payment; it&#8217;s a commitment to your future home. It represents&hellip;<\/p>\n","protected":false},"author":143,"featured_media":70227,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"no","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53631,57131],"tags":[58009,53926,58006,58005,58008,53947,58007,57201,53701],"persona":[57125,57127,57128],"class_list":{"2":"type-post","21":"entry","22":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HDB downpayments - What is it, Different downpayment option &amp; All you need to know<\/title>\n<meta name=\"description\" content=\"Searching for a guide on the HDB staggered downpayments for flats? 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