那样如果是银行贷款，岂不是更少？

另外，即使HLE目前批了，如果买房的时候家庭收入超过1W了，是不是也不能拿HDB loan？只能用Bank loan？

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该帖荣获当日十大第7，奖励楼主6分以及9华新币，时间：2014-07-29 22:00:03。

我也是以为是66倍…如果1st appointment时候薪水超过1w多一点…可以拿到hdb loan.爱吃火锅说的appeal可能吗？

我们情况是夫妇35左右…汽车汽车贷款就剩2个月就完了…难道是因为我们每个月的信用卡花太多的原因？

仔细读了HLE letter， 果然Estimated Monthly Instalment 少过3000， 只有2900多点。

我们现在的债务就只有;

1. 现有的HDB loan（这个应该不算吧，这个HDB是要卖掉的）
2. car loan， 每月 800+，可是这个再过2个月就还玩了。
3. 每月的信用卡账单，大概算算可能2000左右。这个对HLE有影响吗？或许正好前几个月花比较多呢。真是这样，岂不是要申请HLE或者银行贷款前几个月要紧衣缩食以争取更多的银行贷款？呵呵

关于这个有没有个官方的说明？

" Right-sizing the quantum for the second concessionary HDB loan" in page below:

http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/HLHDBWhat?OpenDocument

读了下，没完全明白。。

To further encourage financial prudence, HDB will reduce the quantum of the second concessionary loan by the full CPF proceeds and part of the cash proceeds from the disposal of the existing or immediate past HDB flats. HDB reserves the right to determine the amount of proceeds to be deducted, depending on the existing / immediate past flat's manner of holding or the provisions of any court order relating to the disposal of the flat (where applicable). HDB will determine the proceeds to be deducted, taking into account the provisions of the court order, without reference to the manner of holding of the existing / immediate past flats. Flat buyers can keep the greater of $25,000 or half of the cash proceeds (including the cash deposit received), HDB will take into account the remaining part of cash proceeds when determining the quantum of the second loan to be granted.


个人感觉是不是HDB认为我们卖掉当前的HDB会获得一些cash，而且HDB不鼓励那太多的loan，所以要少grant一些loan给我们。