如果是公民，3年银行的商业贷款期满后，可否转为HDB贷款呢？谢谢。
貌似是可以的。可以电邮询问HDB 的官员，他们回信蛮快的。
不过目前HDB 的利息一般比银行高啊
我记得是不可以，作为citizen，如果你开始没拿政府的贷款的话，后面就不允许再使用HDB贷款了。
现在不可以。
除非卖掉房再买新的。
回复 2# sysg
谢谢。
回复 3# emmaz
还有这个说法啊，那没希望了。
回复 4# cj654123
谢谢你。。。
sorry 我查了一下
已经拿了HDB loan 的可以转为bank loan，但是已经拿了BANK LOAN 的不能转为HDB LOAN。只能在买下一个HDB 的时候跟HDB 拿LOAN
http://www.hdb.gov.sg/fi10/fi102 … licies?OpenDocument
Refinancing
Existing HDB mortgagors can choose to transfer their remaining mortgages to the banks if they wish to refinance their loans with the banks.
Mortgagors who refinanced their existing HDB loan with the bank will not be allowed to refinance that loan with HDB subsequently.
SPR flat owners who have refinanced their HDB loan with the bank (as well as those SPR flat owners who had taken bank loans upfront for the purchase of their flat) also cannot refinance that bank loan with HDB after they have obtained Singapore Citizenship even if they are eligible for an HDB concessionary loan. Instead, they can enjoy the HDB concessionary loan when they next purchase an HDB flat, subject to their loan eligibility at the point of application.