If you’re a Singaporean looking to buy a new HDB BTO or HDB resale flat, you’ll most likely be looking at a housing loan. But even with the lower downpayment from an HDB loan, you’re still looking at a staggering 20% downpayment, which translates to about $100,000 for a $500,000 4-room HDB flat. Source: Giphy Unless you and your partner have been working for a few years or are simply rich, you’re unlikely to have $100,000 in cash or CPF. Thankfully, there is something called the Staggered Downpayment Scheme, where you can pay a much smaller amount first and pay off the rest of the downpayment at a later date! For eligible young couples who are still studying or are National Servicemen (NSFs), the government has also announced that you can pay even less upfront come June 2024! So here’s all you need to know about the HDB Staggered Downpayment Scheme! TL;DR: HDB Staggered Downpayment Scheme...