HDB Cash Outlay Calculator

0 Buyer income

Age of youngest buyer Drives the age-95 lease rule and the loan tenure cap. Gross monthly income (S$) Combined, before CPF deduction.

Other monthly debt repayments (S$) Car loans, personal loans, credit-card minimums, student loans. Used for TDSR.

1 Flat details

HDB room type * Maisonettes are listed separately because HDB files them under the same flat type as single-level flats, yet they transact at different prices. The valuation estimate compares like with like. Purchase price (S$) * Resale price agreed with the seller, or the BTO/SBF price. TOP year (lease start) * Year the flat obtained its Temporary Occupation Permit. HDB leases run 99 years from this point.

2 Loan, LTV & MSR

Loan type Bank loans require a minimum 5% of price in cash; HDB loans allow the full downpayment in CPF.

Let the rules cap it I know my loan amount

Target LTV

%

Loan tenure (years) Interest rate you will pay

%

Stress-test rate

%

The HDB concessionary rate is 2.6%, pegged at 0.1% above the CPF OA rate; bank packages are usually higher. Your real instalment is computed at that rate, while MSR and TDSR must be assessed at the higher of 4% p.a. or the prevailing rate.

3 Your CPF

CPF Ordinary Account balance (S$) Combined OA of all buyers. Leave the full balance here — the calculator only draws what is needed.

4 Grants

Grant scheme Eligible for the flat-type housing grant (first-timer family)

4-room & below grant (S$) 5-room & above grant (S$)

Proximity Housing Grant if within 4 km (S$) Other grants, e.g. EHG (S$)

5 Proximity check

Enter both postal codes to measure the straight-line distance and see it on the map.

New flat postal code Parents' / current flat postal code

6 Stamp duty

Pay Buyer's Stamp Duty from CPF OA (if any balance is left over) For resale flats most buyers pay BSD in cash first and reimburse from CPF later. Leave unticked for the conservative cash figure.

7 Valuation & COV

HDB / bank valuation (S$) The valuation from HDB or the bank. The loan and CPF are based on the lower of price and valuation, so if the price is higher, the difference (cash over valuation) must be paid in cash. Leave at 0 to assume it values at the price.

No valuation yet? Estimate it from recent sales

Looks up the last 12 months of HDB resale transactions for the same flat type on the same street, then adjusts each one to this flat's lease, floor and size. Uses the room type and TOP year from section 1.

Flat postal code Filled in from the new flat postal code in section 5. Change it here to estimate a different flat.

Floor (storey) Floor area (sq ft)