There isn't any public info relating to a "optimum hdb loan 480 29" as the figures are probably a specific tackle or internal reference. The most HDB bank loan quantity is not really a set sum but is rather based on numerous factors, including the Loan-to-Price (LTV) Restrict, the Mortgage loan Servicing Ratio (MSR), and the applicant's age, profits, and monetary standing. For brand spanking new and resale flats, the maximum LTV is approximately seventy five% of the purchase price tag or valuation, whichever is lower. The MSR makes sure that every month mortgage loan repayments will not exceed thirty% of the buyer's gross regular monthly money. An HDB mortgage has an curiosity amount of two.six% per annum, here pegged at 0.1% over the CPF Standard Account (OA) level, and the maximum tenure is capped at 25 a long time or as many as the customer's age of sixty five, whichever is shorter. To ascertain the most personal loan you can get, you should make an application for an HDB Financial loan Eligibility (HLE) letter.