See what you can realistically borrow for an HDB flat — checked against MSR, TDSR, and the loan-to-value cap, not just the sticker price.
🗓 Figures current as of August 2026 — rates change most years, check before relying on this for a major decision
HDB LedgerMAS/HDB RULES: 2026
SGD
SGD
SGD
Fill in the price, income, and age to see your borrowing limit.
Loan tenure used0 yrs
Max loan (LTV cap, 75%)$0
Max loan (income-based)$0
Min cash/CPF downpayment$0
Est. monthly instalment$0
Uses MAS/HDB rules: LTV capped at 75% of flat price, MSR (HDB/EC mortgage) capped at 30% of gross income, TDSR (all debt) capped at 55% of gross income, and a 4% p.a. stress-test rate for affordability — even though actual HDB loan rates are lower (currently 2.6% p.a.), so your real instalment may end up smaller than shown here. Tenure capped at 25 years (HDB loan) or 30 years (bank loan), or 65 minus your age, whichever is shorter. Grants, resale levy, and CPF usage aren't factored in — check MoneySense and HDB directly before committing.
🇸🇬SGDecision
Free bonus — HDB Loan vs. Bank Loan, side by side
HDB Loan
Tenure—
Monthly instalment$0
Min downpayment$0
Bank Loan
Tenure—
Monthly instalment$0
Min downpayment$0
★ Premium
Depreciation & Gains Analysis
For HDB flats: see how lease decay affects value over time. For private property: model appreciation against your holding period. Same underlying maths every time, not a rough guess based on what an agent tells you.
yrs
yrs
%
SGD
Remaining lease at sale—
Projected sale value$0
Total invested (price + reno)$0
Projected gain / loss$0
Illustrative only — HDB lease decay accelerates below 60 years remaining and affects CPF usage/loan eligibility for buyers, which this model approximates with a simple discount, not the actual HDB valuation curve. Private property assumes no lease decay factor. Renovation spend is shown as cost, not assumed to be recovered in resale value.
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Unlock to see a projected value at sale, factoring in lease decay (HDB) or market appreciation (private), and whether your numbers beat inflation.