This contributed article was written by Sebastian Sieber, founder of Cashew (www.cashew.sg), a Singapore-based digital mortgage platform. If you speak to a large enough group of Singaporean homeowners, most of them would probably say that the HDB concessionary loan is the safest option when it comes to financing a home purchase, while some might view bank loans as the riskier way to go. Once they purchase their home and start living in it, most property owners also never revisit this perception. But according to our experience in the market, for property owners who intend to sell their unit in three to five years time, that ranking is usually upside down. When we compare the different loan packages available on the market, the certain fixed packages from the right banks could cost you less in terms of interest payments, while exposing you to less risk on the way out as compared to staying with a HDB loan....