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 [Skip to content](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#content) [](https://theloanconnection.com.sg/) - [About](https://theloanconnection.com.sg/about-us/) - [Rewards]() - [Partner Rewards](https://theloanconnection.com.sg/partner-rewards/) - [Loyalty Rewards](https://theloanconnection.com.sg/loyalty-rewards/) - [Guides]() - [Refinance Home Loan](https://theloanconnection.com.sg/refinance-home-loan/) - [Refinance HDB Loan](https://theloanconnection.com.sg/refinance-hdb-loan/) - [Bridging Loans](https://theloanconnection.com.sg/bridging-loan-singapore/) - [Building Under Construction (BUC) Loans](https://theloanconnection.com.sg/building-under-construction-loan/) - [Private House Loans](https://theloanconnection.com.sg/private-house-loan/) - [Calculators](https://theloanconnection.com.sg/home-loan-eligibility-calculator/) - [Refinancing Calculator](https://theloanconnection.com.sg/refinancing-calculator/) - [Loan Eligibility Calculator](https://theloanconnection.com.sg/home-loan-eligibility-calculator/) - [Progressive Payment Calculator (BUC)](https://theloanconnection.com.sg/progressive-payment-calculator/) - [Decoupling Calculator](https://theloanconnection.com.sg/decoupling-calculator/) - [Home Equity Loan Calculator](https://theloanconnection.com.sg/home-equity-loan-calculator-singapore/) - [Stamp Duty Calculator](https://theloanconnection.com.sg/stamp-duty-calculator/) - [Blog](https://theloanconnection.com.sg/blog/) - [Get in Touch](https://theloanconnection.com.sg/get-in-touch/) [](https://theloanconnection.com.sg/) X [Leave a Comment](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#respond) / [New Purchase](https://theloanconnection.com.sg/category/new-purchase/) / By  # Buying a Resale HDB Flat: A Step-by-Step Guide Resale HDB flats remain a popular choice for homebuyers in Singapore, offering a blend of affordability and established communities. However, navigating the resale market requires careful planning and understanding of the process. This guide provides a step-by-step walkthrough of buying a resale HDB flat, covering essential aspects like eligibility, financing, and legal procedures. Table of Contents [Toggle](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/) - [Assessing Your Eligibility](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#Assessing_Your_Eligibility) - [Financial Planning and Budgeting](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#Financial_Planning_and_Budgeting) - [Searching for a Suitable Flat](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#Searching_for_a_Suitable_Flat) - [Making an Offer and Negotiating the Price](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#Making_an_Offer_and_Negotiating_the_Price) - [Applying for an HDB Loan or Bank Loan](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#Applying_for_an_HDB_Loan_or_Bank_Loan) - [Completing the Transaction and Moving In](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#Completing_the_Transaction_and_Moving_In) - [Embark on Your Resale HDB Journey with Confidence](https://theloanconnection.com.sg/buying-a-resale-hdb-flat-a-step-by-step-guide/#Embark_on_Your_Resale_HDB_Journey_with_Confidence) ## **Assessing Your Eligibility** Before diving into your resale HDB flat hunt, it’s crucial to check whether you meet the eligibility criteria set by HDB. These criteria help ensure a fair and equitable allocation of public housing resources. - **Citizenship:** At least one buyer must be a Singapore Citizen. - **Age:** Applicants must be at least 21 years old if applying as a family nucleus or 35 years old if applying as a single. - **Income Ceiling:** While there’s no income ceiling for buying resale flats, it applies if you’re considering an HDB loan or applying for CPF Housing Grants. - **Property Ownership:** You generally shouldn’t own any other property locally or overseas. It’s advisable to use the HDB Flat Eligibility (HFE) letter application to check your eligibility before proceeding with your flat search. ## **Financial Planning and Budgeting** Buying a resale flat involves significant financial commitments beyond the purchase price. Careful [planning and budgeting](https://theloanconnection.com.sg/a-beginners-budgeting-guide-to-buying-their-first-property-2024/) are crucial to ensure a smooth and stress-free homeownership journey. - **Down Payment:** The minimum down payment for a resale flat is typically 20% of the purchase price if you’re taking an HDB loan and 25% if you’re opting for a bank loan with a Loan-To-Value Limit of 75%. For a Loan-To-Value Limit of 55%, the amount will be 45%. Consider using your CPF Ordinary Account (OA) savings to offset this amount. - **Stamp Duty:** This tax is calculated based on the purchase price or market value of the flat, whichever is higher. You can use the IRAS website or [our website calculator](https://theloanconnection.com.sg/home-loan-eligibility-calculator/) to calculate the applicable stamp duty. - **Legal Fees:** Engaging a lawyer is essential for conveyancing and legal documentation. Legal fees can vary, so it’s advisable to obtain quotes from different law firms. - **Valuation Fee:** A valuation fee of \$120 is charged by HDB for all resale flat purchases, regardless of whether you take an HDB loan or a bank loan. - **Renovation Costs:** If you plan to renovate your new flat, factor in these costs, which can vary significantly depending on the scope of work. - **Other Costs:** Include potential expenses like home insurance, fire insurance, and moving costs in your budget. For those facing financial constraints, consider exploring options like the [HDB bridging loan](https://theloanconnection.com.sg//bridging-loan-singapore), which can help you bridge the gap between selling your existing property and buying a new one. ## **Searching for a Suitable Flat** Finding the perfect resale flat that aligns with your needs and preferences requires careful consideration and research. Here are some key factors to keep in mind during your search: - Location - Size and layout - Flat condition - Remaining lease - Amenities and facilities Utilise online property portals, attend open houses, and engage a trusted property agent to help you find suitable resale flats that meet your criteria. ## **Making an Offer and Negotiating the Price** Once you’ve found a resale flat that ticks all the boxes, it’s time to make an offer and negotiate the price with the seller. This stage requires careful consideration and a strategic approach. - **Valuation:** Before making an offer, it’s crucial to have a realistic understanding of the flat’s valuation. You can research recent transacted prices of similar flats in the vicinity, use online valuation tools, or consult a property agent for a professional opinion. - **Offer Price:** Based on your research and assessment, make a reasonable offer to the seller. Consider factors like the flat’s condition, remaining lease, and prevailing market conditions. - **Negotiation:** Be prepared to negotiate with the seller for a mutually agreeable price. This may involve several rounds of offers and counter-offers. - **Option to Purchase (OTP):** Once you and the seller agree on a price, you’ll need to pay an option fee to secure the Option to Purchase (OTP). The OTP grants you the exclusive right to purchase the flat within a specified timeframe. - **Exercise the OTP:** If you decide to proceed with the purchase, you’ll need to exercise the OTP within the option period and pay the remaining option fee.  ## **Applying for an HDB Loan or Bank Loan** Once you’ve exercised the OTP, it’s time to secure the necessary financing for your flat purchase. You have two primary options: an HDB loan or a bank loan. Each has its own set of features, eligibility criteria, and considerations. ### **HDB Loans** HDB loans offer a fixed interest rate, currently at 2.6% per annum. They also allow you to use your CPF Ordinary Account (OA) savings to pay for your down payment and monthly instalments. To qualify for an HDB loan, you must meet the HDB’s eligibility criteria, including citizenship, income ceiling, and property ownership requirements. HDB loans offer stability with interest rates pegged at 0.1% above the CPF Ordinary Account (OA) rate. HDB loans and bank loans for HDB properties offer the same maximum loan tenure of up to 25 years or until the borrower turns 65, whichever comes first. However, bank loans for HDB properties provide an alternative option to extend the tenure to 30 years or until the borrower turns 75, whichever comes first. This extension, however, requires a minimum cash down payment of 10%. ### **Bank Loans** Bank loans offer a wider variety of loan packages, including fixed-rate and floating-rate loans. They may also offer longer loan tenures and more flexible repayment options. Like HDB loans, banks have their own eligibility criteria, typically focusing on credit score, income stability, and debt-to-income ratio. Although bank loans can offer more flexibility and potentially lower interest rates, they may require a larger down payment and involve a more stringent credit assessment process. Carefully compare the features and eligibility criteria of both HDB and bank loans to determine which option best suits your financial situation and preferences. You can also use online resources like a [home loan eligibility calculator in Singapore](https://theloanconnection.com.sg/mortgage-loan-eligibility-calculator) to [assess your borrowing capacity](https://theloanconnection.com.sg/decoding-loan-eligibility-how-much-can-you-borrow/) and compare different loan scenarios. ## **Completing the Transaction and Moving In** With your loan secured, you’re in the final stretch of your resale HDB buying process. Here’s a brief overview of the remaining steps: - **Legal Documentation:** Your lawyer will prepare the necessary legal documents, including the Sale and Purchase Agreement (S\&P). Review these documents carefully before signing. - **HDB Approval:** Submit the resale application to HDB for approval. This process typically takes about 6-8 weeks. - **Completion Appointment:** Once HDB approves the resale, you’ll attend a completion appointment at HDB Hub to finalise the transaction. - **Key Collection:** After the completion appointment, you can collect the keys to your new flat from the seller. - **Moving In:** Congratulations! You’re now the proud owner of a resale HDB flat. Start planning your move and enjoy your new home. Remember, this is a simplified overview. The process may involve additional steps or specific requirements depending on your circumstances. It’s always advisable to consult with your lawyer or HDB officer for personalised guidance. ## **Embark on Your Resale HDB Journey with Confidence** Buying a resale HDB flat is a significant step towards achieving your homeownership dreams. By understanding the process, planning your finances carefully, and seeking professional guidance from [The Loan Connection](https://theloanconnection.com.sg/) when needed, you can navigate the resale market with confidence and make informed decisions that align with your needs and aspirations. Disclaimer: *The information provided in this blog is for general informational purposes only and does not constitute financial advice. While The Loan Connection (TLC) strives to ensure accuracy, we make no guarantees as to the completeness, reliability, or timeliness of the information. Readers are encouraged to verify details independently and consult qualified professionals before making any financial decisions. TLC is not liable for any losses or damages arising from reliance on the content herein.* [← Previous Post](https://theloanconnection.com.sg/property-tax-singapore-a-comprehensive-guide/ "Property Tax Singapore: A Comprehensive Guide") [Next Post →](https://theloanconnection.com.sg/refinancing-vs-repricing-home-loan-option/ "Refinancing vs. Repricing: What's the Difference?") ## Related Posts [](https://theloanconnection.com.sg/a-comprehensive-guide-to-bridging-loans-in-singapore/) ### [A Comprehensive Guide to Bridging Loans in Singapore](https://theloanconnection.com.sg/a-comprehensive-guide-to-bridging-loans-in-singapore/) [Leave a Comment](https://theloanconnection.com.sg/a-comprehensive-guide-to-bridging-loans-in-singapore/#respond) / [New Purchase](https://theloanconnection.com.sg/category/new-purchase/) / By [](https://theloanconnection.com.sg/comprehensive-guide-to-buc-property-loans-in-singapore/) ### [Comprehensive Guide to BUC Property Loans in Singapore](https://theloanconnection.com.sg/comprehensive-guide-to-buc-property-loans-in-singapore/) [Leave a Comment](https://theloanconnection.com.sg/comprehensive-guide-to-buc-property-loans-in-singapore/#respond) / [New Purchase](https://theloanconnection.com.sg/category/new-purchase/) / By  [Like Page](https://www.facebook.com/236013559603959) [Share](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) 505 people like this Posts Photos Albums Videos Videos [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) February 16 View on Facebook Wishing you a prosperous and joyful Chinese New Year  May the year ahead bring good health, steady success, and new opportunities for growth. From all of us at The Loan... See more Wishing you a prosperous and joyful Chinese New Year  May the year ahead bring good health, steady success, and new opportunities for growth. From all of us at The Loan Connection, thank you for your continued trust. Here’s to a bright and rewarding year ahead. Happy Chinese New Year\! [\#ChineseNewYear](https://www.facebook.com/hashtag/ChineseNewYear) [\#HomeLoanSG](https://www.facebook.com/hashtag/HomeLoanSG) [\#TheLoanConnection](https://www.facebook.com/hashtag/TheLoanConnection) [](https://www.facebook.com/reel/846351031740824/) Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) December 31 View on Facebook As we step into 2026, we wish you clarity in decisions, stability in your plans, and opportunities that move you closer to the home you envision. Thank you for trusting The Loan... See more As we step into 2026, we wish you clarity in decisions, stability in your plans, and opportunities that move you closer to the home you envision. Thank you for trusting The Loan Connection. We’re grateful to walk this journey with you and look forward to supporting you in the year ahead. Happy New Year! [\#TheLoanConnection](https://www.facebook.com/hashtag/TheLoanConnection) [\#SingaporeProperty](https://www.facebook.com/hashtag/SingaporeProperty) [\#MortgageSg](https://www.facebook.com/hashtag/MortgageSg) [](https://www.facebook.com/reel/1399580018245981/) Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) December 24 View on Facebook Wishing you and your loved ones a joyful and peaceful Christmas  May this season fill your home with warmth, laughter, and moments that truly matter. From all of us at The... See more Wishing you and your loved ones a joyful and peaceful Christmas  May this season fill your home with warmth, laughter, and moments that truly matter. From all of us at The Loan Connection, thank you for being part of our journey. Here’s to brighter days and new beginnings in the year ahead. Merry Christmas\! [\#MerryChristmas](https://www.facebook.com/hashtag/MerryChristmas) [\#SeasonOfJoy](https://www.facebook.com/hashtag/SeasonOfJoy) [\#TheLoanConnection](https://www.facebook.com/hashtag/TheLoanConnection) [](https://www.facebook.com/reel/1599688988145140/) Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) November 25 View on Facebook Thinking about 𝗱𝗲𝗰𝗼𝘂𝗽𝗹𝗶𝗻𝗴 but unsure how to start? You’re not alone, many homeowners know decoupling can help provide substantial savings when planning their next... See more Thinking about 𝗱𝗲𝗰𝗼𝘂𝗽𝗹𝗶𝗻𝗴 but unsure how to start? You’re not alone, many homeowners know decoupling can help provide substantial savings when planning their next property… but the actual process can feel overwhelming: • How much does one spouse need to buy over the other’s share? • How much CPF must be refunded (with accrued interest)? • What will the new loan amount and monthly instalment be? • How much are the stamp duties, legal cost and valuation fees? • And most importantly — does it make financial sense for your situation? Instead of guessing or digging through complicated formulas, you can now get your entire decoupling breakdown instantly with our 𝗧𝗟𝗖 𝗗𝗲𝗰𝗼𝘂𝗽𝗹𝗶𝗻𝗴 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿. See your real numbers in 𝘀𝗲𝗰𝗼𝗻𝗱𝘀:  Property share calculations  CPF refund amount  Loan quantum & revised instalment  Buyer & seller breakdown  Legal fees, BSD & misc charges  Total Cash / Cpf required Everything is presented in a clear and easy-to-follow format, so you’ll know exactly where you stand. We are a Singapore-based mortgage brokerage, providing unbiased and experience-backed advice for all home loan matters. Try the calculator now — it’s 100% 𝗙𝗿𝗲𝗲 & 𝗜𝗻𝘀𝘁𝗮𝗻𝘁\! Website Link: <https://theloanconnection.com.sg/decoupling-calculator/> [](https://www.facebook.com/122119965434237847/posts/122250452330237847) 16 Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) November 18 View on Facebook If you’re shopping for a home without an IPA… you’re basically guessing your budget.  Save yourself the headache — get clarity before you commit. We’ve prepared a clear guide... See more If you’re shopping for a home without an IPA… you’re basically guessing your budget.  Save yourself the headache — get clarity before you commit. We’ve prepared a clear guide on how an IPA works and how to get one properly. Start here  <https://theloanconnection.com.sg/in-principle-approval-home-loan-singapore/> [\#HomeLoanSG](https://www.facebook.com/hashtag/HomeLoanSG) [\#IPASingapore](https://www.facebook.com/hashtag/IPASingapore) [\#PropertyBuyingSG](https://www.facebook.com/hashtag/PropertyBuyingSG) [\#theloanconnection](https://www.facebook.com/hashtag/theloanconnection) [](https://www.facebook.com/photo.php?fbid=122249354816237847&set=a.122123668406237847&type=3) Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) November 18 View on Facebook Did someone say BTO 2025?  We break down what you must check before applying — HFE, grants, ballot chances and all the not-so-obvious steps buyers usually miss. Follow us for... See more Did someone say BTO 2025?  We break down what you must check before applying — HFE, grants, ballot chances and all the not-so-obvious steps buyers usually miss. Follow us for more clear and fuss-free breakdowns on buying your first home in Singapore  Full guide: <https://theloanconnection.com.sg/how-to-buy-bto-flat-singapore-2025/> [\#theloanconnection](https://www.facebook.com/hashtag/theloanconnection) [\#SingaporeProperty](https://www.facebook.com/hashtag/SingaporeProperty) [\#BTOGuide](https://www.facebook.com/hashtag/BTOGuide) [](https://www.facebook.com/photo.php?fbid=122249333090237847&set=a.122123668406237847&type=3) 1 Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) October 19 View on Facebook Wishing everyone a bright and prosperous Diwali!  May this festival of lights bring you new beginnings, financial clarity, and a future filled with peace and abundance. From... See more Wishing everyone a bright and prosperous Diwali!  May this festival of lights bring you new beginnings, financial clarity, and a future filled with peace and abundance. From all of us at The Loan Connection, thank you for trusting us on your home journey. Here’s to building dreams and lighting up new homes together. Happy Diwali\! [\#DiwaliInSingapore](https://www.facebook.com/hashtag/DiwaliInSingapore) [\#HomeLoanSG](https://www.facebook.com/hashtag/HomeLoanSG) [\#theloanconnection](https://www.facebook.com/hashtag/theloanconnection) [](https://www.facebook.com/photo.php?fbid=122244555608237847&set=a.122123668406237847&type=3) 1 Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) October 18 View on Facebook  “Our first home?” What started as an exciting journey quickly became confusing. Downpayment, pledging funds, CPF, stamp duty, legal fees... it felt like there was always... See more  “Our first home?” What started as an exciting journey quickly became confusing. Downpayment, pledging funds, CPF, stamp duty, legal fees... it felt like there was always something more we hadn’t accounted for. That’s when we tried TLC's Loan Eligibility Calculator. In seconds, it showed us everything clearly:  Loan eligibility  Pledging/showing of funds  Cash/CPF breakdown  Fees involved Finally, we knew where we stood. Planning our next step became simple. If you’re feeling unsure about how much you can really afford, this free calculator will give you the clarity you need instantly\!  Try it now and see your full financial breakdown for your property purchase, all in one place. [](https://www.facebook.com/122119965434237847/posts/122244318374237847) 43 Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) September 30 View on Facebook  Most homeowners don’t realize this: When your lock-in period ends, the bank won’t call to remind you. They quietly move you to a higher rate. That “small” change could mean... See more  Most homeowners don’t realize this: When your lock-in period ends, the bank won’t call to remind you. They quietly move you to a higher rate. That “small” change could mean \$500–\$800 more every month. Over a year, that’s \$6,000–\$9,600. This is money that should have stayed with your family. The good news? You don’t have to accept it. A quick refinance check helps to calculate your potential savings. It costs nothing, takes little time, and gives you clarity. At The Loan Connection, we’ve assisted hundreds of homeowners review their loans and maximise savings, backed by 100+ 5-star reviews on Google .  If your lock-in is ending soon, or you’re not sure what rate you’re on, it’s worth checking in with us. A few minutes could save you thousands. [](https://www.facebook.com/122119965434237847/posts/122241153650237847) 4 Share  Share on Facebook  Share on X [](https://www.facebook.com/236013559603959) [The Loan Connection](https://www.facebook.com/236013559603959) July 19 View on Facebook  Bank or Mortgage Broker — What’s Better for First-Time Homebuyers in Singapore?  Not sure where to start your home loan journey? Learn the key differences between going... See more  Bank or Mortgage Broker — What’s Better for First-Time Homebuyers in Singapore?  Not sure where to start your home loan journey? Learn the key differences between going direct to a bank vs working with a mortgage broker — and which might save you more time and money.  Find out what works best for you: [\#HomeLoanSG](https://www.facebook.com/hashtag/HomeLoanSG) [\#MortgageBrokerSG](https://www.facebook.com/hashtag/MortgageBrokerSG) [\#FirstHomeBuyer](https://www.facebook.com/hashtag/FirstHomeBuyer) [\#SingaporeProperty](https://www.facebook.com/hashtag/SingaporeProperty) [\#MortgageTips](https://www.facebook.com/hashtag/MortgageTips) [\#BankVsBroker](https://www.facebook.com/hashtag/BankVsBroker) [ Bank vs Mortgage Broker in Singapore – Which to Choose? Bank vs mortgage broker—who should you trust for your home loan? Find out the pros, cons, and what’s better for first-time buyers in Singapore. theloanconnection.com.sg](https://theloanconnection.com.sg/) 3 Share  Share on Facebook  Share on X Load more  ## Recent Posts - [What Is an In-Principle Approval (IPA) for a Home Loan in Singapore?](https://theloanconnection.com.sg/in-principle-approval-home-loan-singapore/) - [BTO Downpayment in Singapore: Your Complete Guide (2026)](https://theloanconnection.com.sg/bto-downpayment-guide-singapore/) - [Stamp Duty on Home Purchases in Singapore: A Detailed Breakdown](https://theloanconnection.com.sg/singapore-stamp-duty-guide-2025/) - [Mortgage for Self-Employed: A Guide for Singaporeans](https://theloanconnection.com.sg/mortgage-for-self-employed-a-guide-for-singaporeans/) - [How Much Downpayment Do You Need for a Home Loan? 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[](https://www.facebook.com/236013559603959) View on Facebook Wishing you a prosperous and joyful Chinese New Year  May the year ahead bring good health, steady success, and new opportunities for growth. From all of us at The Loan... See more Wishing you a prosperous and joyful Chinese New Year  May the year ahead bring good health, steady success, and new opportunities for growth. From all of us at The Loan Connection, thank you for your continued trust. Here’s to a bright and rewarding year ahead. Happy Chinese New Year\! [\#ChineseNewYear](https://www.facebook.com/hashtag/ChineseNewYear) [\#HomeLoanSG](https://www.facebook.com/hashtag/HomeLoanSG) [\#TheLoanConnection](https://www.facebook.com/hashtag/TheLoanConnection) [](https://www.facebook.com/reel/846351031740824/) [](https://www.facebook.com/236013559603959) December 31 View on Facebook As we step into 2026, we wish you clarity in decisions, stability in your plans, and opportunities that move you closer to the home you envision. Thank you for trusting The Loan... See more As we step into 2026, we wish you clarity in decisions, stability in your plans, and opportunities that move you closer to the home you envision. Thank you for trusting The Loan Connection. We’re grateful to walk this journey with you and look forward to supporting you in the year ahead. Happy New Year\! [\#TheLoanConnection](https://www.facebook.com/hashtag/TheLoanConnection) [\#SingaporeProperty](https://www.facebook.com/hashtag/SingaporeProperty) [\#MortgageSg](https://www.facebook.com/hashtag/MortgageSg) [](https://www.facebook.com/reel/1399580018245981/) [](https://www.facebook.com/236013559603959) December 24 View on Facebook Wishing you and your loved ones a joyful and peaceful Christmas  May this season fill your home with warmth, laughter, and moments that truly matter. From all of us at The... See more Wishing you and your loved ones a joyful and peaceful Christmas  May this season fill your home with warmth, laughter, and moments that truly matter. From all of us at The Loan Connection, thank you for being part of our journey. Here’s to brighter days and new beginnings in the year ahead. Merry Christmas\! [\#MerryChristmas](https://www.facebook.com/hashtag/MerryChristmas) [\#SeasonOfJoy](https://www.facebook.com/hashtag/SeasonOfJoy) [\#TheLoanConnection](https://www.facebook.com/hashtag/TheLoanConnection) [](https://www.facebook.com/reel/1599688988145140/) [](https://www.facebook.com/236013559603959) November 25 View on Facebook Thinking about 𝗱𝗲𝗰𝗼𝘂𝗽𝗹𝗶𝗻𝗴 but unsure how to start? You’re not alone, many homeowners know decoupling can help provide substantial savings when planning their next... See more Thinking about 𝗱𝗲𝗰𝗼𝘂𝗽𝗹𝗶𝗻𝗴 but unsure how to start? You’re not alone, many homeowners know decoupling can help provide substantial savings when planning their next property… but the actual process can feel overwhelming: • How much does one spouse need to buy over the other’s share? • How much CPF must be refunded (with accrued interest)? • What will the new loan amount and monthly instalment be? • How much are the stamp duties, legal cost and valuation fees? • And most importantly — does it make financial sense for your situation? Instead of guessing or digging through complicated formulas, you can now get your entire decoupling breakdown instantly with our 𝗧𝗟𝗖 𝗗𝗲𝗰𝗼𝘂𝗽𝗹𝗶𝗻𝗴 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿. See your real numbers in 𝘀𝗲𝗰𝗼𝗻𝗱𝘀:  Property share calculations  CPF refund amount  Loan quantum & revised instalment  Buyer & seller breakdown  Legal fees, BSD & misc charges  Total Cash / Cpf required Everything is presented in a clear and easy-to-follow format, so you’ll know exactly where you stand. We are a Singapore-based mortgage brokerage, providing unbiased and experience-backed advice for all home loan matters. Try the calculator now — it’s 100% 𝗙𝗿𝗲𝗲 & 𝗜𝗻𝘀𝘁𝗮𝗻𝘁\! Website Link: <https://theloanconnection.com.sg/decoupling-calculator/> [](https://www.facebook.com/122119965434237847/posts/122250452330237847) 16 [](https://www.facebook.com/236013559603959) November 18 View on Facebook [](https://www.facebook.com/photo.php?fbid=122249354816237847&set=a.122123668406237847&type=3) [](https://www.facebook.com/236013559603959) November 18 View on Facebook [](https://www.facebook.com/photo.php?fbid=122249333090237847&set=a.122123668406237847&type=3) 1 [](https://www.facebook.com/236013559603959) October 19 View on Facebook Wishing everyone a bright and prosperous Diwali!  May this festival of lights bring you new beginnings, financial clarity, and a future filled with peace and abundance. From... See more Wishing everyone a bright and prosperous Diwali!  May this festival of lights bring you new beginnings, financial clarity, and a future filled with peace and abundance. From all of us at The Loan Connection, thank you for trusting us on your home journey. Here’s to building dreams and lighting up new homes together. Happy Diwali\! [\#DiwaliInSingapore](https://www.facebook.com/hashtag/DiwaliInSingapore) [\#HomeLoanSG](https://www.facebook.com/hashtag/HomeLoanSG) [\#theloanconnection](https://www.facebook.com/hashtag/theloanconnection) [](https://www.facebook.com/photo.php?fbid=122244555608237847&set=a.122123668406237847&type=3) 1 [](https://www.facebook.com/236013559603959) October 18 View on Facebook  “Our first home?” What started as an exciting journey quickly became confusing. Downpayment, pledging funds, CPF, stamp duty, legal fees... it felt like there was always... See more  “Our first home?” What started as an exciting journey quickly became confusing. Downpayment, pledging funds, CPF, stamp duty, legal fees... it felt like there was always something more we hadn’t accounted for. That’s when we tried TLC's Loan Eligibility Calculator. In seconds, it showed us everything clearly:  Loan eligibility  Pledging/showing of funds  Cash/CPF breakdown  Fees involved Finally, we knew where we stood. Planning our next step became simple. If you’re feeling unsure about how much you can really afford, this free calculator will give you the clarity you need instantly\!  Try it now and see your full financial breakdown for your property purchase, all in one place. [](https://www.facebook.com/122119965434237847/posts/122244318374237847) 43 [](https://www.facebook.com/236013559603959) September 30 View on Facebook  Most homeowners don’t realize this: When your lock-in period ends, the bank won’t call to remind you. They quietly move you to a higher rate. That “small” change could mean... See more  Most homeowners don’t realize this: When your lock-in period ends, the bank won’t call to remind you. They quietly move you to a higher rate. That “small” change could mean \$500–\$800 more every month. Over a year, that’s \$6,000–\$9,600. This is money that should have stayed with your family. The good news? You don’t have to accept it. A quick refinance check helps to calculate your potential savings. It costs nothing, takes little time, and gives you clarity. At The Loan Connection, we’ve assisted hundreds of homeowners review their loans and maximise savings, backed by 100+ 5-star reviews on Google .  If your lock-in is ending soon, or you’re not sure what rate you’re on, it’s worth checking in with us. A few minutes could save you thousands. [](https://www.facebook.com/122119965434237847/posts/122241153650237847) 4 [](https://www.facebook.com/236013559603959) July 19 View on Facebook  Bank or Mortgage Broker — What’s Better for First-Time Homebuyers in Singapore?  Not sure where to start your home loan journey? Learn the key differences between going... See more  Bank or Mortgage Broker — What’s Better for First-Time Homebuyers in Singapore?  Not sure where to start your home loan journey? Learn the key differences between going direct to a bank vs working with a mortgage broker — and which might save you more time and money.  Find out what works best for you: [\#HomeLoanSG](https://www.facebook.com/hashtag/HomeLoanSG) [\#MortgageBrokerSG](https://www.facebook.com/hashtag/MortgageBrokerSG) [\#FirstHomeBuyer](https://www.facebook.com/hashtag/FirstHomeBuyer) [\#SingaporeProperty](https://www.facebook.com/hashtag/SingaporeProperty) [\#MortgageTips](https://www.facebook.com/hashtag/MortgageTips) [\#BankVsBroker](https://www.facebook.com/hashtag/BankVsBroker) 3