Buyers

Buyer calculator

Work out stamp duty, the loan limit and the cash for one HDB flat or one private home. You type the price. This page does not look up a median, draw a map, or stage a new-launch payment schedule.

Rules read from IRAS on 7 Nov 2026, the MAS loan-tenure explainer on 9 Nov 2026, and the HDB loan page updated 4 Nov 2026. A result is not an approval, a valuation, or a grant.

What you are buying

Home HDB resale HDB new flat Private residential

Purchase price (S$)

Valuation, if you have one (S$)

For a resale flat, the loan and CPF use the lower of the price and this valuation. The amount above the valuation is cash. A new flat uses the purchase price.

Who is buying

Buyer profile

If the buyers are not the same profile, choose the one with the higher ABSD rate. The rate applies to the whole price. Remissions are not applied.

Homes owned after this purchase IRAS treats this foreign buyer as a Singapore citizen. Leave off unless you checked the IRAS list.

Borrowers One borrower More than one borrower

More than one borrower stops the loan. The page does not average ages.

Loan

How will you pay? No loan Bank loan First HDB concessionary loan Second HDB concessionary loan

A second HDB housing loan is not sized here, and it is not treated as a first loan. Work out the sale cash first. For a new flat, the one-applicant path stays on the BTO estimate.

Age of this borrower Tenure to test (years) Skip the income test and show only the loan-to-value cap.

Fixed monthly income (S$) Variable income, 12-month monthly average (S$) Rental income, monthly (S$) Other monthly debt (S$)

For a bank loan, variable income and rent are counted at 70%. An HDB concessionary loan uses the figures you type, at 30% of that income, and does not use the bank total-debt ratio.

Cash and CPF for this payment

Cash you can use now (S$) Cash brought from a sale, already worked out (S$)

Use the sale proceeds figure for cash only. Do not type the CPF refund here. This page does not calculate the sale.

CPF you can use for this payment (S$) Ordinary Account balance, if you want the retention checked (S$) Amount retained in that account (S$)

On an HDB loan, each applicant may retain up to S$20,000. That amount is not required. On a bank loan, any amount up to the balance may be retained.

Grant amount from an HFE letter (S$) That grant is on the HFE letter and is not already inside the CPF figure. CPF has confirmed it can pay buyer’s stamp duty at this stage.

ABSD stays in cash. Buyer’s stamp duty stays in cash until that box is ticked, and then only the CPF left after the price is used.

Enter the purchase price. Choose HDB or private, then the loan. A blank valuation is not treated as zero.

Sources and limits

Not calculated: grant eligibility, ABSD remission, CPF valuation limits, joint ages, a non-individual 15% loan, resale levy, the Home Protection Scheme, and staged new-launch payments. The sale calculator and the BTO estimate are separate.

Stamp duty worksheet · Sale proceeds · BTO estimate