When purchasing a 2-bedroom BTO or a 3-room resale HDB flat in 2031, consider the following:
### BTO Flat (2-Bedroom)
- **HDB Loan**: 10% downpayment (fully from CPF OA), e.g., $20,000 for a $200,000 flat.
- **Bank Loan**: 20% downpayment (5% cash, rest from CPF OA), e.g., $40,000 for a $200,000 flat.
### Resale Flat (3-Room)
- **HDB Loan**: 10% downpayment (fully from CPF OA), e.g., $30,000 for a $300,000 flat.
- **Bank Loan**: 20% downpayment (5% cash, rest from CPF OA), e.g., $60,000 for a $300,000 flat.
### Loan Amount
- **HDB Loan**: Up to 90% of purchase price.
- $180,000 for a $200,000 BTO flat.
- $270,000 for a $300,000 resale flat.
- **Bank Loan**: Up to 75% for loans up to 25 years, or 55% for loans up to 30 years.
- $150,000 or $110,000 for a $200,000 BTO flat.
- $225,000 or $165,000 for a $300,000 resale flat.