SG Block Index
For first-timers

What home can you afford?

Enter your income, savings and CPF to see your realistic budget — the loan your income supports, the downpayment your savings cover, and the monthly repayment — then jump to the most liveable blocks within reach. The maths uses Singapore’s actual MSR, TDSR and loan-to-value rules.

Grants (EHG, Family, Proximity) depend on income, citizenship and who you buy with — check the exact amount on HDB and enter it above. Buying near your parents? Find grant-eligible blocks →

You could afford up to
S$400,000
limited by your savings (downpayment)
Max loan
S$300,000
25-yr, MSR limit
Monthly repayment
S$1,361
at 2.6%
Downpayment (25%)
S$100,000
cash + CPF + grants
Servicing headroom
S$2,100
max monthly / mth
Your funds of S$100,000 (cash + CPF + grants) cover the 25% downpayment on a S$400,000 home; your income supports a loan for a S$530,467 home. The lower one is your ceiling.
Find towns you can afford →BTO or resale?

Estimate only, based on public rules as of July 2026: MSR 30% (HDB/EC), TDSR 55%, 75% loan-to-value, and a 4% stress-test rate for the loan quantum. Actual figures depend on HDB loan eligibility (HLE), bank approval, your credit and CPF usage. Not financial advice — confirm with HDB, MAS and your bank.

How it works

How much home loan can I get in Singapore?

For an HDB flat your monthly repayment is capped at 30% of gross income (the Mortgage Servicing Ratio); all property loans are also capped at 55% of income after other debts (Total Debt Servicing Ratio). The loan amount is worked out at a 4% stress-test rate, over a tenure of up to 25 years (HDB loan) or 30 years (bank loan), and can't exceed 75% of the price.

How much downpayment do I need?

At 75% loan-to-value you need 25% of the price as downpayment. With an HDB loan it can be fully cash or CPF; with a bank loan at least 5% must be cash and the rest cash or CPF. Housing grants can reduce what you pay.

What grants can first-timers get?

First-timer families may receive the Enhanced CPF Housing Grant, the CPF Housing/Family Grant (resale), and the Proximity Housing Grant for living with or near parents. Amounts depend on income, citizenship and household — check the exact figure on HDB and enter it in the calculator.