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Affordability Check

See what you could afford — in under 2 minutes

This isn't a bank pre-approval. It's a private, judgment-free first look at your numbers for a resale HDB flat or new Executive Condo, using the same public MAS/HDB/CPF formulas banks reference for a home loan.

This free HDB affordability calculator uses the same MSR and TDSR formulas MAS and HDB apply, so you get a realistic answer before you start viewing units.

Leave blank if none. Only a portion of this counts toward your loan eligibility.
Total Monthly Assessable Income S$0
Total Monthly Debt Assessment S$0
Optional — savings, fixed deposits, etc. (Combined with your co-buyer's, if any.) Leave blank to estimate based on income and CPF only.
Loan Tenure yrs
Interest Rate %
Loan-to-Value %
Defaults follow current MAS/HDB rules based on your age and loan type above. If this isn't your first property loan, your bank may cap LTV lower (e.g. 55% or 45%) with a higher minimum cash downpayment — adjust here to test that scenario, and confirm the exact figure with your bank.
Defaults to ~S$1,000 for HDB's in-house legal service (Concessionary Loan) or ~S$2,500 for a private solicitor (Bank Loan requires one) — adjust here for your own quote.
Please fill in at least your monthly income and age to continue.
Scenario 1 — Based on Income (MSR)
Max HDB Purchase PriceS$0
Max Loan AmountS$0
Monthly InstalmentS$0
Downpayment Required (25%)S$0
Upfront Costs (BSD + Fees)S$0
Buyer Stamp Duty (BSD)S$0
Legal & Resale FeesS$0
Total Cash/CPF NeededS$0
Your Cash + CPF AvailableS$0
ShortfallS$0
Scenario 2 — Based on Cash/CPF on hand
Max HDB Purchase PriceS$0
Resulting Loan AmountS$0
Monthly InstalmentS$0
Downpayment Required (25%)S$0
Upfront Costs (BSD + Fees)S$0
Buyer Stamp Duty (BSD)S$0
Legal & Resale FeesS$0
Total Cash/CPF NeededS$0
Your Cash + CPF AvailableS$0
ShortfallS$0
Recommended: Scenario 1
Estimated maximum HDB purchase price
S$0
Range: S$0 – S$0
Please note: This calculator provides an estimate based on public MAS/CPF formulas for illustration only. It is not a bank loan approval, mortgage advice, or financial advice. Actual eligibility is determined by your bank/HDB and CPF Board based on your full financial profile. Speak with Serene to get a proper affordability assessment.

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