Homeowners who Have Taken Three or More HDB Loans

Mr Liang Eng Hwa asked the Minister for National Development (a) what is the number of homeowners who have taken three or more HDB loans; (b) how many appeals has HDB received for a third HDB loan in each of the last three years; and (c) whether HDB will consider the total tenures of the earlier two loans taken when deciding whether to grant a third HDB loan.

The Housing and Development Board (HDB) provides up to two housing loans to eligible households. On a case-by-case basis, HDB exercises flexibility to provide another HDB housing loan for households who have exhausted their financing options and are in urgent need of housing. As at end December 2025, there are about 11,000 households who are servicing their third or subsequent HDB housing loan.

Between 2023 and 2025, about 1,000 households per year approached HDB for a third or subsequent housing loan. HDB does not consider the previous loan tenures in its assessment, as these do not affect the household's current credit standing and whether they are able to afford the monthly mortgage payments.