Financial Tools
Run the numbers
before you fall in love.
Working demonstration calculators for the preview. Each carries honest assumptions, effective dates and links to official sources.
$
$
Older borrower if buying jointly
Max 35 yrs; past age 65 lowers LTV
$
$
$
Subject to CPF Board limits
$
Your indicative budget
Affordable purchase price$2,423,000
Maximum housing loan$1,817,250
Monthly instalment @ 4.5%$10,101
LTV applied75%
Stress-test rate used4.50%
Required downpayment$605,750
Minimum cash component$121,150
Buyer's Stamp Duty$90,750
ABSD (0%)$0
Total upfront (incl. costs)$700,000
What limits youYour available cash / CPF funds
Key assumptions
- — Private residential (landed) property purchased with a bank loan — HDB MSR rules are not applied.
- — TDSR ceiling: 55% of gross monthly income across all debt obligations (MAS, OTP on/after 16 Dec 2021).
- — Loan eligibility assessed at the higher of the 4% regulatory medium-term floor or your actual rate — 4.50% used here.
- — LTV 75% applied (first housing loan).
- — Minimum cash downpayment 5%; the balance of the downpayment may come from CPF OA or cash.
- — BSD tiers effective 15 Feb 2023; ABSD effective 27 Apr 2023 (iras.gov.sg).
- — CPF usage subject to CPF Board eligibility and limits — not all OA balances may be usable.
- — Estimated $3,500 for legal and other upfront costs (editable).
Figures are indicative estimates only and do not constitute financial advice or a bank loan approval. Actual eligibility, CPF usage and financing terms are subject to the relevant authorities and lenders. Verify your position with the CPF Home Purchase Planner .