There's no public info relating to a "optimum hdb personal loan 480 29" as being the quantities are very likely a specific deal with or inside reference. The most HDB loan total isn't a set sum but is in its place based on a number of components, such as the Financial loan-to-Price (LTV) limit, the Property finance loan Servicing Ratio (MSR), plus the applicant's age, revenue, and financial standing. For brand new and resale flats, the most LTV is as much as seventy five% of the acquisition value or more info valuation, whichever is lessen. The MSR ensures that regular monthly mortgage repayments tend not to exceed thirty% of the customer's gross month to month profits. An HDB loan has an curiosity fee of two.six% for every annum, pegged at 0.one% over the CPF Common Account (OA) level, and the maximum tenure is capped at 25 a long time or approximately the customer's age of sixty five, whichever is shorter. To ascertain the most personal loan you can get, you need to make an application for an HDB Financial loan Eligibility (HLE) letter.