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If you are taking an HDB loan under the concessionary rate, a mortgage rate of 3% is assumed.
If you are taking an HDB loan under the market rate, a mortgage rate of 4% is assumed.
These mortgage rates are assumed after taking into consideration the historical rates and other factors such as the rising interest rate environment. This is a prudent approach, to ensure that members are adequately covered for their outstanding housing loan over the entire loan tenor.
If you are taking a bank loan, a mortgage rate of 4% is assumed, after taking into consideration the historical rates and other factors such as the rising interest rate environment. This is a prudent approach, to ensure that members are adequately covered for their outstanding housing loan over the entire loan tenor.