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. Earlier

    Policy state unavailable before 30 September 2022: no structured HDB loan eligibility interest rate floor record precedes it.

  2. 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    Until superseded: no later recorded change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.