Upgrade Calculators

How much can you borrow & buy?

Based on TDSR (55%), MSR where it applies (30%), and the 4% stress rate.

Property type

Combined gross monthly income before CPF

Other monthly debt car / personal loans, card minimums

Age of youngest borrower

Loan tenure years (max 30 private / 25 HDB)

Estimated max property price

—

Limited by: —

Max loan (at 4% stress)—

Max monthly instalment—

Loan-to-value—

Downpayment (25%)—

…of which minimum cash (5%)—

…cash or CPF (20%)—

Buyer's Stamp Duty—

TDSR usage

These figures assume a first housing loan. Variable income (bonuses, rental, self-employed) is usually assessed with a 30% haircut.

Monthly mortgage repayment

Loan amount

Interest rate your actual package rate

% p.a.

Loan tenure

years

Banks size your eligibility at a 4% stress rate even if your package is lower — we show that instalment too.

Monthly repayment

—

At 4% stress rate: —/mo

Principal (loan)—

Total interest—

Total repayment—

Interest share of repayments

Buyer's + Additional Buyer's Stamp Duty

Purchase price

Buyer profile

This is your … residential property

Total stamp duty

—

Buyer's Stamp Duty (1–6%)—

Additional BSD (—)—

HDB → condo upgrade planner

Turns your flat sale into a condo budget, cash, CPF and duties included.

Timing

Expected HDB sale price

Outstanding HDB loan

CPF to refund principal + accrued interest

Extra cash savings for the purchase

Target condo price

—

From selling your flat

After repaying HDB loan—

Cash in hand—

CPF refunded (reusable)—

Funding the condo

Loan (75% LTV)—