There is not any community info about a "optimum hdb financial loan 480 29" as the numbers are probably a particular deal with or internal reference. The maximum HDB loan amount isn't a fixed sum but is instead based on various variables, including the Loan-to-Benefit (LTV) limit, the Home loan Servicing Ratio (MSR), and also the applicant's age, money, and fiscal standing. For new and resale flats, the most LTV is around seventy five% of the purchase price tag or valuation, whichever is lower. The MSR makes sure that every month house loan repayments do not exceed 30% of the client's gross every month revenue. An HDB financial loan has an desire price of 2.six% for every annum, pegged at 0.one% higher than the CPF Normal Account (OA) fee, and the most tenure is capped at twenty five years or around the client's age of sixty five, whichever is shorter. To ascertain the most personal loan you will get, you will need to make an application for an HDB Loan website Eligibility (HLE) letter.