只要买家中任一人仍有未还完的HDB或银行贷款都算有贷款。还是很严格的，具体见内Financial institutions are required to conduct checks with HDB and with one or more credit bureaus on whether the buyer has an outstanding housing loan at the time of applying for a housing loan for the new property purchase. For joint buyers, if either buyer has an outstanding housing loan, the joint buyers will be considered as having an outstanding housing loan. Issued by the Ministry of National Development, Ministry of Finance and Monetary Authority of Singapore