HDB

Resale Purchase Calculator

BSD, ABSD, LTV, monthly installment, and the full cash-out timeline. Numbers verified against published IRAS / HDB rules.

Calculation Summary

Purchase Price

Valuation

Buyers — HFE / IWAA

Buyer #1

Citizenship

Age

Monthly Pay

Commitments

BSD/ABSD is charged at the highest-rate profile among all buyers — currently SC.

Loan Type

CPF & Grants

CPF (OA)

Housing Grant

Proximity Grant

Total CPF & Grants$0

CPF Deductibles

Buyer Stamp Duty

$13,200

ABSD (0%)

Legal Fee

HPS Premium

Balance CPF & Grants$0

Based On Valuation / Purchase Price

(Whichever Lower): $600,000

LTV %

Amount

Buyer's Age (IWAA)

Income-weighted average age across buyersTenure (years)

Max 30 yrs at this age/loan type

Interest %

Monthly Installment$1,779

Downpayment (25%)$150,000

Affordability (TDSR / MSR)

Fixed monthly income

Sum of buyers' monthly pay aboveVariable income (70% counts)

Other monthly debts (car, cards…)

Sum of buyers' commitments above

Installment @ 4% stress rate$2,375

Installment @ 1.4% actual rate$1,779

Min income required (MSR 30%)$7,917

Eligibility is stress-tested at the 4% MAS floor. MSR (30%) caps HDB mortgage repayment; TDSR (55%) caps all debt. Variable income recognised at 70%.

Cash breakdown

Min cash (5% of basis)$30,000

↳ of which paid upfront on OTP$5,000

CPF & Grants Used$0

Cash Top-Up$120,000

Cash Above Valuation$20,000

CPF usage ceiling

Valuation Limit $600,000 · Withdrawal Limit $720,000 · bank loan → capped at WL (120% of VL). CPF used at purchase: $0.

Other fees

Valuation Fee

Resale Application

Agent Fee %

+GST

Agent fee: $6,758

Others

Total Expenses

$40,158

Cash Above Valuation$20,000

Buyer Stamp Duty$13,200

ABSD$0

Legal Fee$0

HPS Premium$0

Valuation Fee$120

Resale Application$80

Agent Fee$6,758

Others$0

Total Cash Needed

$190,158

Total Expenses$40,158

+ Min Cash Downpayment (5% of basis)$30,000

↳ OTP Option Fee$1,000

↳ Exercise Fee$4,000

↳ Balance due at completion$25,000

+ CPF Cash Top-Up$120,000

CPF Deductibles: $0

Total Purchase Outlay

$190,158

Downpayment + Total Expenses

Downpayment (25% of basis)$150,000

↳ Cash$150,000

↳ CPF & Grants$0

+ Total Expenses$40,158

OTP Issue Date

Payment Schedule

Insert Date

Buyer Obtain HDB Flat Eligibility (HFE) Letter
2026-08-14
Option To Purchase — Issued
2026-08-14
- Option Fee: $1,000
- Submit — Request For Valuation · Valuation: $120
- Secure Bank Loan — Letter Of Offer
21 DAYS
Option To Purchase — Exercised
2026-09-04
- Exercise Fee: $4,000
7 DAYS
Submit — Resale Application
2026-09-11
- Resale Application: $80
- HDB Acceptance Of Application (within 28 days)
28 DAYS
Buyer's Endorsement
2026-10-09
- Cash Payment: $39,958
- CPF & Grants Used: $0
- Buyer Stamp Duty: $13,200
- ABSD: $0
- Legal Fee: $0
- HPS Premium: $0
- Agent Fee: $6,758
14 DAYS
HDB Approval Of Sale
2026-10-23
- HDB Approval Of Sale (est. 14 days)
56 DAYS
Sales Completion
2026-12-18
- Total Cash Needed: $190,158
- Balance of 5% Cash: $25,000
- Cash Above Valuation: $20,000
- Cash Top-Up: $120,000