The tenure of the loan is capped at 25years for HDB flats and you can borrow up to 90% of loan-to-value (LV). The mortgage interest rate is always 0.1% above the prevailing CPF OA. This means the interest rate is 2.6% per annum.
Alternatively, you may opt for bank loan.
Executive/Private Condominium - Bank Loan
For EC or private, the maximum loan tenure will be 30 years, but the maximum loan will be 75% of LV. Bank home loan packages always subject to fluctuation so you can either go for floating rate or fixed rate of certain period. If you buy private housing, you must know the basics of home loan interest rates, and how to refinance regularly to keep them low.
Use this calculator to estimate the monthly repayments for your dream home.