A home that fits your life.
Let’s start with you. A few basics will help us find your starting point.
Profile of buyer(s)
A comfortable starting budget
Before CPF deductions. Use your 12-month average if your income varies.
Non-working occupiers do not add income. Household living-expense allowances require a lender assessment.
- CPF OA
- $0
- Cash available
- $0
- CPF Housing Grant
- $0
- Enhanced CPF Housing Grant
- $0
- Proximity Housing Grant
- $0
- Total available funds
- $0
Estimated housing loan
Do you intend to take a housing loan?
Are you taking a second HDB housing loan?
To calculate the loans: Enter every buyer’s age for a loan estimate. Add each buyer’s date of birth under “Profile of buyer(s)”.
Details of housing loan estimates
Selected housing loan
At least 25% upfront in CPF and/or cash. Repayment rate: 2.6% p.a.; loan assessment: 3%.
HDB interest rate/package
2.6% per year (CPF OA rate + 0.1%)
Maximum loan amount: —
Maximum repayment period: —. A shorter period reduces total interest but raises the monthly payment.
How the maximum loan is computed
Complete the buyer profile to see the computation.
- Estimated monthly payment
- —
- Estimated total interest payment
- —
- Estimated total payment
- —
Enter every buyer’s age for a loan estimate.
Tap to use this loan
At least 25% upfront, including 5% cash. Repayment rate: 2.65% p.a.; assessment: rate + 2% stress buffer.
Maximum loan amount: —
Maximum repayment period: —. A shorter period reduces total interest but raises the monthly payment.
How the maximum loan is computed
Complete the buyer profile to see the computation.
- Estimated monthly payment
- —
- Estimated total interest payment
- —
- Estimated total payment
- —
Enter every buyer’s age for a loan estimate.
Available funds
$0
+ Selected housing loan
—
= Total estimated budget
—
Your total estimated budget is your available funds plus the selected housing loan; Buyer’s Stamp Duty is not included. The maximum purchase price is the highest flat price after setting aside stamp duty from that budget. Additional purchase costs are illustrated separately below. This is not HDB or FI approval; credit, employment, CPF and household-expense checks still apply. Your inputs stay on this device.
Estimated purchase costs
Rough costs using your maximum purchase price (after stamp duty) as the assumed purchase price. Stamp duties use the higher of the actual price or market value. Legal and agent fees are editable planning allowances, not fixed charges; legal starts at $2,500 and buyer-agent commission at 1%. No buyer agent? Set the commission to 0%.
ABSD is additional to BSD. After the April 2023 hike, rates range from 0% to 65% depending on buyer profile and property count. This estimate uses IRAS rates in effect as checked on 12 November 2026 and the highest applicable buyer rate for joint purchases, before any remission. IRAS rates. A married couple with a Singapore Citizen spouse may qualify for remission, including a joint first home if neither owns residential property; it is not applied automatically. Check remission conditions.
Complete a valid budget and each buyer’s citizenship to see costs.
- Assumed purchase price (maximum purchase price)
- —
- Buyer’s Stamp Duty (BSD)
- —
- Additional Buyer’s Stamp Duty (ABSD · 0%)
- —
- Legal costs allowance
- —
- Agent commission
- —
- GST on agent commission (9%)
- —
- Total additional purchase costs
- —
Total estimated cost (assumed price + BSD + ABSD + legal + agent)
—
These costs, including interest over the full repayment period, are added once to the assumed price; they do not increase your available funds or loan. This is not a revised affordable price ceiling. Renovation, moving, valuation and other fees are excluded. Property ownership, remission and HDB eligibility need official checks.
What are you open to?
Your answers stay on your device. Always.