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James Wong Homes

HDB

HDB Resale Purchase

See what a resale flat takes to buy with an HDB loan, a bank loan or no loan: how much must be cash, how far CPF and grants go, the duties and fees, and when each is paid.

Your figures

The main figures

Known only after the option is granted and the request for value is answered.

Loan
How the purchase is financed

The loan limit depends on home loans still outstanding, not on how many homes you own.

For joint borrowers, the income-weighted average age.

Leave blank for the longest period allowed.

Leave blank to use the highest loan the rules allow.

Starts at 4%, the rate banks must use to assess a new home loan. Change it to the rate of the loan you are considering.

CPF and grants

Only grants HDB has confirmed you qualify for.

Buyers
Who is buying

Nationals of the United States, and nationals and permanent residents of Iceland, Liechtenstein, Norway and Switzerland, are treated as Singapore citizens for this duty.

Count every residential property, in Singapore only, including part shares.

Costs

Fees are agreed between you and your agent. Enter 0 if there is none.

Deposit

Up to $1,000, in cash.

Option fee and exercise fee together may not exceed $5,000.

Dates

Adds estimated dates to the steps.

Your figures stay on this page. They are not saved or sent anywhere.

Result

A little more is needed

Still needed: Purchase price.

What this calculator leaves out

  • Eligibility, grants and the HDB loan amount are decided by HDB in the HFE letter.
  • CPF's limits on flats with shorter remaining leases are not checked.
  • Whether the loan can be serviced is a separate check: use the Loan Assessment calculator.
  • It works from the figures you enter. It is not a bank's approval, a valuation or advice.

Calculator HDB-02

Want the figures looked over?

James can go through your figures with you and point out what a calculator cannot see: timing, eligibility and the order in which to do things. Nothing you typed here is sent with your enquiry; bring the figures or a printout.

Discuss your property plan

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