The Buying Calculator helps buyers estimate the total funds required to purchase a property in Singapore. It takes into account the purchase price, stamp duties, CPF funds, housing grants, cash savings, loan financing and other common purchase-related costs.
Whether you are buying your first home, upgrading to a larger property or exploring your affordability, this calculator provides a useful starting point for planning your next property purchase.
Purchase Details
Available Funds
HDB Housing Grants
Loan Estimate
Purchase Costs
How Does The Calculator Work?
① Estimate
Purchase Costs
② Assess
Available Funds
③ Determine
Price Affordability
Important Things To Note
For HDB purchases, housing grants such as the First-Timer Grant, Enhanced CPF Housing Grant (EHG) and Proximity Housing Grant (PHG) are subject to prevailing HDB eligibility conditions. The grant amounts entered into this calculator are estimates only and do not guarantee grant approval.
The amount of CPF that can be used for a property purchase may be subject to CPF regulations, including valuation limits, withdrawal limits and the type of property being purchased.
The loan amount entered in this calculator is for estimation purposes only. For HDB purchases, buyers should refer to their HFE Letter. For bank loans, final approval depends on factors such as income, age, outstanding debts, credit assessment, TDSR requirements and bank lending criteria.
Many buyers focus on the purchase price but overlook the impact of Buyer’s Stamp Duty (BSD) and Additional Buyer’s Stamp Duty (ABSD), where applicable. These costs are generally payable upfront and can substantially affect the total funds required for the next property purchase.
Buyers should ensure sufficient CPF and cash funds are available to meet these obligations.
Actual purchase costs may include valuation fees, loan administration fees, insurance premiums, submission charges, legal disbursements and other transaction-related expenses that are not reflected in this calculator.
This calculator is designed as a planning tool to help buyers estimate the funds required for a property purchase. Actual figures may vary depending on final purchase price, grant eligibility, CPF usage, loan approval, stamp duties and other transaction-related costs.
This calculator provides an estimate only and should not be relied upon as financial, legal or tax advice. Buyers should verify all figures with the relevant authorities, financial institutions and professional advisers before making any property purchase decisions.
Need A Personalised Assessment?
Buying a property involves more than just the purchase price. A personalised assessment can help you understand your available options, estimated costs and affordability before you commit.
✓ Estimated purchase affordability assessment
✓ CPF and cash funding review
✓ Housing grant guidance
✓ BSD and ABSD estimation
✓ Loan and monthly instalment planning
✓ Property upgrade and purchase strategy discussion
Let us work with you. Connect with us.
Whether you are selling, buying, or partnering with us as a co-broker, you can count on us to operate with sincerity and integrity.
We are continually seeking opportunities to broaden our network and expand our circle of work. We believe that by collaborating, we can achieve greater results and deliver more value and benefits to all our clients and partners.
