Work out the cash, CPF and loan you'd need for an HDB resale flat, a private resale unit, or a new-launch (BUC) purchase in Singapore — plus whether you'd pass the bank's loan checks and how long your buffer would last.
Your Profile
Excluding the one you're buying — sets your ABSD tier.
S$
S$
Bonus/commission — counted at 70% for loan checks.
S$
Car, credit card, other loans combined.
S$
S$
S$
S$
On top of any sale proceeds below.
S$
On top of any CPF refund from a sale below.
Selling Your Current Property
S$
S$
%
S$
Used to work out Seller's Stamp Duty from your holding period — see the breakdown below.
S$
S$
S$
S$
CPF used (principal + accrued interest) is refunded to your CPF OA, not paid out as cash — it's added to your CPF balance above, not your cash.
Seller's Stamp Duty (SSD): properties bought on or after 4 Jul 2025 are subject to SSD within a 4-year holding period (16% / 12% / 8% / 4% by year, 0% after); properties bought earlier follow the previous 3-year schedule (12% / 8% / 4%, 0% after). HDB flats aren't normally affected, since the Minimum Occupation Period already exceeds the SSD window.
Advanced: loan-assessment settings
%
%
%
MAS medium-term rate floor used for loan eligibility, not your real instalment.
The flat
S$
years
%
S$
S$
S$
S$0
%
CPF reserve
HDB lets each applicant keep up to $20,000 in CPF OA when taking an HDB loan — the rest must go toward the flat first.
S$
Second HDB loan & resale levy
Only relevant if you've taken an HDB loan before, or bought a subsidised flat before.
Requires injecting the higher of $25,000 or 50% of your cash proceeds into this purchase.
Resale Levy applies only if you're also taking a CPF Housing Grant above.
The unit
S$
years (0 = freehold)
%
75% caps your loan tenure to age 65; drop to 55% to extend to age 75.
% of price
% of price
S$
%
If you rent it out
S$
The unit
S$
%
% of price
% of price
S$
%
Progressive payment schedule
The down payment is paid out in stages as the project is built; loan disbursement follows the same stages.
Stage
% of price
Amount
Monthly instalment
Interest-only on the loan disbursed so far, until the project reaches CSC (legal completion) — then it converts to the full principal + interest instalment shown below.
If you rent it out
S$
The unit
S$
%
% of price
% of price
S$
%
EC eligibility
New ECs can only be bought with at least one Singapore Citizen co-applicant (SC, or SC+PR) — foreigners can't buy a new EC directly from the developer. Household income must also fall within the project's income ceiling to qualify.
S$18,000/month applies to EC sites whose land tender closed on/after 24 Jul 2026; S$16,000/month for earlier sites. Check the specific project.
CPF Housing Grant
Auto-estimated from your household's citizenship mix and combined gross monthly income (from the Profile section above), against HDB's published EC Housing Grant tiers.
S$0
Progressive payment schedule
Same construction-linked drawdown as a private new launch; interest-only on the loan disbursed so far until CSC.
Stage
% of price
Amount
Monthly instalment
Interest-only on the loan disbursed so far, until the project reaches CSC (legal completion) — then it converts to the full principal + interest instalment shown below.
