Prevo

Policy evolution

HDB loan eligibility interest rate floor

  • Prevo records 1 structured HDB loan eligibility interest rate floor rule change, effective from 30 September 2022 to 30 September 2022, in the available archive; earlier history may be incomplete.
  • The current recorded rule became effective on 30 September 2022.
  • No conflicting records between consecutive versions.

Partial archive: 1 structured HDB loan eligibility interest rate floor change in the available records. Earlier or unrecorded changes may exist; this is not a complete history.

Create evolution brief

Current recorded rule, 2 October 2026

ParameterValueStatus
fixed component3%In forceIn force from 30 September 2022, recorded on Singapore raises property-loan stress-test floors, cuts the HDB housing-loan LTV limit to 80%, and introduces a temporary 15-month HDB resale wait-out.
formula component, cpf oa rate plus 0.1ppUnknownIn forceIn force from 30 September 2022, recorded on Singapore raises property-loan stress-test floors, cuts the HDB housing-loan LTV limit to 80%, and introduces a temporary 15-month HDB resale wait-out.

Rule versions

  1. 30 September 2022Current recorded rule
    Announced
    29 September 2022
    Effective
    30 September 2022
    Valid from
    30 September 2022
    Valid until
    Until superseded: no later recorded change
    Authority
    Monetary Authority of Singapore, Ministry of National Development, Housing & Development Board

    0 parameters changed, 2 newly recorded, 0 unchanged.

    Compare with previous
    • Added fixed component: 3%
    • Added formula component, cpf oa rate plus 0.1pp: Unknown
    • 0 unchanged, not listed.
    View full rule
    fixed component
    3%
    formula component, cpf oa rate plus 0.1pp
    Unknown

    Source

    Joint MAS/MND/HDB media release: Measures to Promote Sustainable Conditions in the Property Market by Ensuring Prudent Borrowing and Moderating Demand

    Ministry of National Development · Primary source · Published 29 September 2022

    Open original source

    Event checked against its primary sources on 13 August 2026. Each claim keeps its own verification status.

    6 recorded corrections to this event's records (correction). Record corrections, not policy changes.

    Observed around this change (365 days)
    • Singapore private residential transactions, all types of sale: 20,079 before, 13,097 after (Q4 2021, Q1 2022, Q2 2022 | Q4 2022, Q1 2023, Q2 2023)
    • Private Residential Property Price Index, All Residential: 180.9 before, 194.4 after (Q4 2021, Q1 2022, Q2 2022 | Q4 2022, Q1 2023, Q2 2023)
    • Private residential units sold, all segments (uncompleted plus completed): 7,240 before, 4,073 after (Q4 2021, Q1 2022, Q2 2022 | Q4 2022, Q1 2023, Q2 2023)
    • Uncompleted private residential units launched, all segments: 4,844 before, 4,190 after (Q4 2021, Q1 2022, Q2 2022 | Q4 2022, Q1 2023, Q2 2023)
    • HDB Resale Price Index: 163.9 before, 176.2 after (Q4 2021, Q1 2022, Q2 2022 | Q4 2022, Q1 2023, Q2 2023)
    • Price index of non-landed private residential properties, Core Central Region: 141.2 before, 146.5 after (Q4 2021, Q1 2022, Q2 2022 | Q4 2022, Q1 2023, Q2 2023)
    • Price index of non-landed private residential properties, Outside Central Region: 208.4 before, 225 after (Q4 2021, Q1 2022, Q2 2022 | Q4 2022, Q1 2023, Q2 2023)
    • Price index of non-landed private residential properties, Rest of Central Region: 193.3 before, 208.6 after (Q4 2021, Q1 2022, Q2 2022 | Q4 2022, Q1 2023, Q2 2023)
    • Observed around the change, not attributed to it. The full view is on the before and after page.