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Your Details

Purchase Type

Flat Details

Flat Type

Estate Type

Classification (?)

Determines eligibility restrictions and future resale conditions

Flat Scheme (?)

Flat Purchase Price (SGD)

Indicative: $280,000 – $470,000

Loan Details

Loan Type

Loan Tenure (years)

Youngest Borrower's Age

Applicant Details

Single applicant (Singles Scheme) BTO: 2-Room Flexi only. Singles Scheme income ceiling: $7,000/month.

Avg Monthly Household Income (SGD)

I am a Singapore Permanent Resident (PR) PR buyers pay an additional $10,000 cash surcharge (not included in loan principal or BSD).

Grant Eligibility

SC/SPR Household Top-Up (+$10,000) Applies when an SPR household member subsequently obtains Singapore Citizenship.

Enhanced CPF Housing Grant (EHG) — automatically applied based on household income. PHG is not available for BTO purchases.

Step-Up Grant (+$15k) BTO only. 2nd-timer upgrading from 2-Room/3-Room.

Current Savings

CPF Ordinary Account (OA) Balance (SGD)

Cash Savings (SGD)

Financial Summary

Net Price After Grants

$350,000

Grants: $50,000

Total Downpayment

$80,000

20% of flat price

Cash Required (Upfront)

$8,055

Incl. BSD $6,600 + fees

CPF OA Required

$30,000

Across both SDS tranches

Monthly Repayment

$1,452

At 2.60% p.a. (eligibility checked at 3.00% floor)

Total Interest Paid

$115,523

Loan principal: $320,000

Affordability Checks

HDB Loan — Mandatory Policies

HPS est. annual premium: $416 (deducted from CPF OA monthly)

Fire insurance est. annual: $2,400 (Etiqa, compulsory for HDB loans)

HDB Loan Eligibility (Floor Rate): Actual repayment $1,452/month at 2.60% — HDB checks eligibility at the 3.00% floor rate, which gives a stress-test payment of $1,517/month.

✓ Your CPF OA and cash savings appear sufficient to cover upfront costs.

Debt Servicing Ratios

MSR: 29.0% (limit 30%)

TDSR: HDB loan — exempt

MOP: 5 years

Resale Clawback: None (Standard flat)

Projections