Financing
Estimate affordability with CPF, cash, grants and monthly payment split.
This planning calculator keeps financing separate from pricing. It applies configurable downpayment, LTV, interest, tenure, MSR/TDSR and buyer stamp duty assumptions.
Affordability answer
Buying power and gaps
Assumptions
What this calculator includes
- CPF OA and cash are treated as available upfront funds.
- Buyer stamp duty is estimated with current residential tiers: 1% / 2% / 3% / 4% / 5% / 6%.
- HDB loan defaults to 80% LTV; bank loan defaults to 75% LTV.
- Income cap can model MSR-style 30% or TDSR-style 55% monthly repayment limits.
- Enhanced CPF Housing Grant is auto-calculated from gross monthly household income, up to $120,000 for the lowest income band and $0 above the $9,000 ceiling.
- Selected CPF housing grants are treated as CPF credited toward the purchase and reduce the net financed price.
- Monthly payment is split into CPF OA usage and cash top-up based on your monthly CPF OA mortgage setting.