{"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-6a57477f999ab\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-6a57477f999ab\">\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\/fnrFpMp6mTqepWhSUU2Adj?text=SITI+NURJANA+BINTE+OYONG&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=bdb5f11dc0ecf02d0b833f5ff23fa47a6da3c4c3\" alt=\"58 Marine Terrace Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">58 Marine Terrace<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 440058 \u00b7 D15<\/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>700 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 460,000<\/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\/58-marine-terrace-hdb-djUqni2B8TYJzxwaeiRkqi?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\/5G6T5CSGm83QhBAmebroAL?text=Ramkumar&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ba2d9412815ea80347f96b203ecebd1a9d074917\" alt=\"701 Yishun Avenue 5 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">701 Yishun Avenue 5<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 760701 \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>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>734 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 420,000<\/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\/701-yishun-avenue-5-hdb-M9Vq5q4iqzBComXyVP2jJs?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\/ze2aoeFBvjKxBnHya6KcGY?text=Teddy&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=f4fdab8720bd2b27a5dbe29b2dc1926f3efa84a6\" alt=\"74 Telok Blangah Heights Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">74 Telok Blangah Heights<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 100074 \u00b7 D4<\/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$ 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\/74-telok-blangah-heights-hdb-EYnsJTQv7tGqRKi7LSg8AP?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\/46yRbiMuxiu2oTABfGxDJD?text=James+Harley&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=88a7916d44705a2c7ae03bf293c36ac693a9239d\" alt=\"7 Teck Whye Avenue Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">7 Teck Whye Avenue<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 680007 \u00b7 D23<\/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>1,421 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 600,000<\/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\/7-teck-whye-avenue-hdb-2LkehZSUHL7JMJZBcgqqiU?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\/kTvGoa4siiEFeNUwF8PCQU?text=Jacqueline+Oon&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=7af7c7c13fe97bca48a2095928a3be4fc0c3f070\" alt=\"504 Bukit Batok Street 52 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">504 Bukit Batok Street 52<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 650504 \u00b7 D23<\/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>1<\/span>\n                                <\/div>\n                                <div >\n                                    <span>645 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 398,000<\/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\/504-bukit-batok-street-52-hdb-SrWPgSLe5TuwktPgeRKE3Q?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\/ru3MtPNMYUBNYVNzoZiw5W?text=LYNN+HUANG+S+C&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=543143d52ede85652df14c6a03b9b1428340f495\" alt=\"687B Woodlands Drive 75 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">687B Woodlands Drive 75<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 732687 \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>1,227 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 609,000<\/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\/687b-woodlands-drive-75-hdb-DmjM5DZpNA586Prz88Zkvo?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\/VNPfozRgmDZM6jCB2XgWYA?text=Esther+Whong&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d3061a3f7eb69b4396b23800f12fdce2e48c8f56\" alt=\"230 Lorong 8 Toa Payoh Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">230 Lorong 8 Toa Payoh<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 310230 \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>1,260 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 715,000<\/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\/230-lorong-8-toa-payoh-hdb-FnheH95rqQL3wcL2vW8qxL?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\/fxD68Sb3SwumwNFDSGRYX2?text=TAN+MAY+SHING%2C+GRACE&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=46b961d9b7b909afaba3b3f6fd86588e5f73cc9b\" alt=\"601 Bedok Reservoir Road Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">601 Bedok Reservoir Road<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 470601 \u00b7 D16<\/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>1,302 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 650,000<\/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\/601-bedok-reservoir-road-hdb-H4HEaFG4Tp3SaaJfcS6uQu?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\/Wpti7nwK4zBmqg4hVcZzVg?text=Allan+Tan&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=dd35d0a5d1c7fba3664b73d821d57e704a706905\" alt=\"447 Jurong West Street 42 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">447 Jurong West Street 42<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 640447 \u00b7 D22<\/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>1,109 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 560,000<\/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\/447-jurong-west-street-42-hdb-QHF4yrbGxiAsLmXeqWLMNd?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\/kYpSUKMgCAJzwmqqbd2raN?text=Jamal+Ponnichi&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=b741bd05078ed2dfa32782abc7729b247e424f72\" alt=\"435C Bukit Batok West Avenue 5 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">435C Bukit Batok West Avenue 5<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 653435 \u00b7 D23<\/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$ 610,000<\/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\/435c-bukit-batok-west-avenue-5-hdb-m7VGt5ozg4ZJSoS9zGjdDv?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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