Determine the sources of financing the purchase of properties, including private residential properties, HDB flats and non-residential properties. 

Provide advice on the process and conditions to apply for HDB housing loan. 

Determine buyer’s eligibility for first and second HDB housing loans.

Provide advice to HDB resale flat buyers on the requirements and process to obtain a housing loan from a financial institution (FIs).

Apply the Monetary Authority of Singapore (MAS)’s restrictions, if applicable, for a housing loan from FIs.

Determine the maximum LTV limit for housing loan with HDB and FIs.

Determine the minimum cash downpayment under different circumstances.

Determine if HDB resale levy is payable and the quantum, if applicable.

Determine an HDB resale flat buyer’s eligibility for various CPF Housing Grants.

Explain the uses of an CPF Ordinary Account (OA).

Demonstrate knowledge of the meaning and significance of Full/Basic Retirement Sum and CPF Housing Limits for different types of housing and loans.

Compute the amount of OA savings owners can use for their properties with remaining leases that will cover the owners until age of 95.

Demonstrate knowledge of the requirement of CPF Board’s Home Protection Scheme.

Compute the minimum cash, allowable CPF and maximum loan quantum applicable to different categories of loan, property and buyer.

Compute the net sale proceeds taking into account the requirement of CPFB and HDB’s policies, including CPF refund, HDB upgrading cost and resale levy.

Demonstrate knowledge of enhanced contra facility for HDB flat.

Explain the policies relating to property loan, CPF usage and cash quantum.