Hi i have come across your question before in my mind. According to the experienced people out there, bank loan interest rate might be attractive in the beginning but after 5 years the table might just turn by charging your higher interest compared to HDB. Well my verdict in this is HDB loan will allow you to have a peace of mind as the interest rate does change drastically over the years and best of all if you are ever paying cash to repay your loan back to HDB, you won't be charged with a heavy late payment penalty. While you still have the option to apply for HDB loan just go for it.Cheers!
