Budget
What the bank will lend you
The same capacity check a banker runs: your income against the 55% TDSR and 30% MSR caps, across private property, EC and HDB. Then add your CPF, cash and fees to see the purchase price you can actually pay.
Applicant 1
Bonus, commission, rental — banks take a 30% haircut on variable income.
Monthly debt obligations
Assessment settings
The stress-test rate banks must assess you at — not your actual package rate.
Used for the indicative instalment only — your borrowing capacity is always assessed at the MAS rate above.
Step 2 — CPF, cash & fees
Optional. Add your funds and we work backwards to the maximum purchase price per property type — stamp duty, legal, agent and misc fees included.
Only what you are prepared to put into this purchase.
CPF OA can pay conveyancing on a purchase.
Cash only — CPF cannot pay commissions. Applied to the HDB column only; private resale and developer EC purchases carry no buyer-side fee.
Valuation, moving, renovation deposits — cash only.
HDB column only: an HDB loan needs no minimum cash beyond the deposit (capped at $5,000); a bank loan needs 5% hard cash. Both cap at 75% LTV.
Recognised income: $0/mo
Income-weighted age: —
Your numbers appear here
Enter your age and monthly income to see what the bank will lend you across private property, EC and HDB.
The loan is one number. The right purchase is a plan.
This gives you the ceiling. What it cannot tell you is which of these three routes actually suits your family, your timeline, and the school you are hoping for. That part we talk through.
Read next
Finances
How Much Home Can a Young Singapore Family Actually Afford?
The bank will tell you the maximum you can borrow. That is not the same as the amount you should borrow. Here is how to work out the number that actually fits your family's life.
Finances
CPF and Your Home: What Every Singapore Parent Needs to Know
Most families know they can use CPF for a home. Far fewer understand the accrued interest rule, the valuation limit, or the lease rule that quietly shrinks how much CPF an older flat will let you use.
For Families
Condo or HDB? How Singapore Families Are Actually Making the Decision
Neither is universally better. The right answer depends entirely on your family's life — your finances, your kids' ages, your daily routines, and what actually keeps you up at night.
Disclaimer
The tools on this page provide estimates for general reference only and do not constitute financial, legal, tax, or investment advice. Calculations are based on prevailing MAS, IRAS, HDB, and CPF rules and rates at the time of publication, which may change without notice. Actual figures — including loan eligibility, interest rates, stamp duties, and CPF usage — depend on your specific circumstances and the final assessment of banks, IRAS, and other relevant authorities. Nest & Found makes no warranty as to the accuracy or completeness of any output and accepts no liability for decisions made in reliance on these tools. Please verify all figures with the relevant institutions or a qualified professional before committing to any transaction.