HDB Loan Calculator Singapore 2026 | Monthly Instalment, CPF, MSR & TDSR

The HDB Loan Calculator Singapore estimates monthly repayments, loan affordability, CPF usage, and borrowing capacity for HDB housing loans. It uses factors such as flat price, downpayment, loan tenure, household income, and interest rate to provide planning estimates.

The amount you can borrow depends on household income, existing debt commitments, loan tenure, age, and compliance with Mortgage Servicing Ratio (MSR) and Total Debt Servicing Ratio (TDSR) limits. This calculator estimates your affordable borrowing range based on current Singapore housing loan rules.

The income required depends on the flat price, loan amount, loan tenure, and existing financial commitments. Higher incomes generally support larger loan amounts while remaining within MSR and TDSR limits.

Many buyers earning SGD 5,000 per month may qualify for HDB financing depending on the property price, household structure, existing debts, CPF savings, and loan tenure selected.

Monthly repayments depend on the loan amount, downpayment, interest rate, and tenure. This calculator helps estimate instalments for different flat prices and financing scenarios.

Eligible buyers using an HDB concessionary housing loan typically provide a 10% downpayment. CPF Ordinary Account savings may be used for eligible housing costs subject to CPF rules.

Yes. CPF Ordinary Account savings may be used for eligible HDB housing purchases, including part or all of the required downpayment, subject to CPF housing regulations and available balances.

Many homeowners use CPF OA savings to pay part or all of their monthly HDB instalments. Whether CPF fully covers repayments depends on salary, CPF contribution levels, loan size, and housing costs.

The HDB concessionary housing loan interest rate is currently 2.6% per annum. The rate is reviewed periodically and is generally pegged above the CPF Ordinary Account interest rate.

HDB loan tenure is generally capped at 25 years, subject to borrower age and remaining lease conditions. Shorter tenures usually result in higher monthly repayments but lower total interest costs.

The Mortgage Servicing Ratio (MSR) limits monthly housing loan repayments to 30% of gross monthly household income. MSR is one of the key affordability measures used for HDB housing purchases.

The Total Debt Servicing Ratio (TDSR) limits total monthly debt obligations to 55% of gross monthly income. Existing debts such as car loans, education loans, and personal loans may reduce borrowing capacity.

Yes, but existing debt commitments may reduce the maximum loan amount you can qualify for under TDSR requirements. This calculator helps estimate affordability after accounting for other obligations.

Yes. The calculator can be used to estimate affordability, monthly repayments, CPF usage, and financing requirements for Build-To-Order (BTO) flats.

Yes. Buyers considering resale HDB flats can use the calculator to estimate monthly instalments, affordability, CPF usage, and downpayment requirements.

HDB loans and bank loans have different advantages. HDB loans typically offer lower downpayment requirements and repayment flexibility, while bank loans may sometimes offer lower promotional interest rates.

Eligible singles may purchase certain HDB flat types and apply for housing loans if they meet HDB ownership, age, and eligibility requirements.

Permanent residents may purchase eligible HDB properties and obtain housing financing subject to HDB ownership policies, residency requirements, and lending criteria.

The calculator provides estimates based on the information entered and current financing assumptions. Actual loan approval, CPF usage, and affordability assessments depend on official HDB, CPF, and lender requirements.

Compare multiple scenarios, review affordability, check CPF availability, and confirm eligibility through official HDB channels before committing to a property purchase.