But also realised that one is also not allowed to take a credit loan out of your HDB flat. Basically:
"HDB flats can only be mortgaged to banks or financial institutions to finance the purchase. HDB owners are not allowed to use their HDB flat, which has been fully paid for, as collateral to raise credit facilities."
So unless you own a private property, you most probably cannot take a cash out home loan to tap on the low mortgage ...
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