Which Banks offered the lowest housing loans rates?

[agl]

Hi,

Anyone can advised me which banks offered the lowest interest housing loans for 2nd timer?

BTW, the bank loan repayment can we pay by CPF or we had to use Cash?

How long is the repayment period eg 12,24, 36, 48 or 60 months if we wanted to take a loan from the banks.  How does the bank assessed the loans, it is by showing them the gross income on the payslip and they will calculate accordingly before they decided to loan you.

Thank you and hoped to hear from you soon.