How much is the down payment for a 2-room HDB BTO flat?

For a new HDB 2-room BTO flat, the down payment depends mainly on your loan type and whether you use CPF.

If you take an HDB loan
- Down payment is 10 percent of the purchase price.
- This 10 percent can be fully paid using CPF Ordinary Account savings (no cash needed if you have enough CPF).

If you take a bank loan
- Minimum down payment is 25 percent of the purchase price.
- At least 5 percent must be in cash, and up to 20 percent can be from CPF.

You will not pay the full down payment immediately at booking; it is typically due at the signing of the Agreement for Lease, which is usually a few months after flat booking.

If you share your estimated 2-room BTO price and whether you’re using HDB or bank loan, I can help you work out an approximate dollar amount.