How much you can borrow, and the cash and CPF you need. Singapore rules as at Oct 2026.
Important notice: All figures are indicative estimates for reference only. They are not an offer, approval or guarantee of any loan, and not financial, legal or tax advice. Actual amounts are subject to HDB or the bank's assessment, valuation and prevailing rules.
Rules as at Oct 2026: TDSR 55% and MSR 30% at a 4% stress rate (HDB loan: 3% floor), LTV 75% / 55% by tenure and age, BSD and ABSD rates from IRAS, SSD 4-year holding period for homes bought from 4 Jul 2025. Agent fees include 9% GST.