Personal Finance
30-Year HDB Loan? A 5-Years Milestone
By Turtle Investor  •  January 31, 2016
How time flies. It has been more than 8 years since I have applied for my HDB apartment and almost 5 years since I have collected the keys. While these are personal milestones, perhaps let me take the chance to show you the grass on the other side. Whether or not you think they are green enough, it is up to you. Shorter Or Longer HDB Loan? It is rather common to hear cases where couples would rush to pay off their HDB loan in 10 years or less, utilizing every single cent of CPF ordinary account. In an alternate universe where people don’t choose to pay off their HDB as soon as possible, I had opted to stretch my loan to 30-years for reasons of my own. I seldom reveal exact numbers and figures, but I can still give a rough idea of where I stand now.
  • My HDB loan ...
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By Turtle Investor
Hello there! I am Kevin and the author behind the Turtle Investor blog. At age 37, I hit CPF Full Retirement Sum (FRS) of $176,000 on the last day of 2019, twelve years after graduating from university. I am married and owns a 4-room apartment. I continue to be gainfully employed to build up my portfolio and provide my loved ones with better lives. Leaving everything behind and transitioning to a digital nomad life in Bali remains an option but not something that I’m actively pursuing now 🙂
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