What is the maximum loan you can take from HDB for BTO?

As of August 20, 2024, the maximum loan you can take from the Housing and Development Board (HDB) for a BTO (Build-to-Order) flat or any HDB flat is determined by a loan-to-value (LTV) limit of 75%. This means you can borrow up to 75% of the purchase price or valuation of the flat, whichever is lower.

For example, if you are buying a BTO flat valued at $500,000, the maximum loan amount you can get from HDB would be $375,000. You would need to pay the remaining 25% ($125,000) as a downpayment, which can be a combination of cash and your CPF Ordinary Account savings, with at least 5% of the purchase price paid in cash.