The real ceiling isn't the advertised rate — it's the lower of the 75% loan limit and what MSR/TDSR let you borrow, minus the cash your lease profile demands. This calculator runs the actual rules: LTV, MSR/TDSR at the assessment rate, CPF lease-to-95 pro-rating, and stamp duty.
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Your budget is the lowest of three limits, not the advertised loan rate. The loan can cover at most 75% of the price or valuation (LTV). Monthly repayments on an HDB flat may not exceed 30% of gross monthly income (MSR), and all your debt repayments together may not exceed 55% (TDSR) — with bank loans assessed at a 4% stress rate rather than the rate you pay. Whatever the loan does not cover is your downpayment, from CPF and cash.
It also applies the CPF lease rule: CPF can be used in full only if the flat's remaining lease covers the youngest buyer to age 95, and is pro-rated below that (no CPF under 20 years of lease). Buyer's stamp duty and the resale grants you qualify for are included.
Then see your grants, your loan and the cash due at each step of buying, with every date worked out.
Your household's gross monthly income must be at most $16,000 for a family, or $8,000 for a single buyer. Above that you can still buy a resale flat with a bank loan, which has no income ceiling but is assessed against TDSR.
An HDB concessionary loan charges 2.6% a year for up to 25 years and is only for eligible buyers within the income ceiling. A bank loan can run up to 30 years on an HDB flat at a market rate. Both lend at most 75% of the price or valuation; a bank loan past 25 years, or past age 65, lends at most 55%.
Eligible first-timer families can receive the Enhanced CPF Housing Grant of up to $120,000 (household income up to $9,000), the CPF Housing Grant of up to $80,000, and the Proximity Housing Grant of up to $30,000 for living with or near parents or children.
No. It is an independent estimate using the published rules, last checked against official sources on 5 Oct 2026. Your HDB Flat Eligibility (HFE) letter and your lender's approval are what count.