🔑 First sign-in: set your own password to continue.
30-day sessions · your account was created by the owner
🏠 SG Realty
—
–
–
New
–
Contacted
–
Viewing
–
Closed
–
This week
HDB concessionary rate
2.6% p.a.
Stress-tested at 3% · LTV 75% · Max 25 yr
Income ceiling
S$ 14,000
family (S$21k extended)
Target flat
S$
HDB uses lower of price or valuation
Household income and financial details
HDB uses gross monthly income including all fixed allowances. Bonuses and overtime excluded.
Income & ceiling check
Combined gross income
—
Combined CPF OA balance
—
IWAA (weighted avg age)
—
Max tenure
— yr
Total existing debts
—
Income within S$14,000 ceiling ✓ Eligible for HDB loan
Income exceeds S$14,000 ceiling — not eligible for HDB concessionary loan
Eligibility requirements
At least 1 Singapore Citizen — spouse/parent/child can be SC or SPR
Family nucleus required — married couple, engaged, parent-child, orphan, or multi-gen
No private property owned or disposed within last 30 months (local or overseas)
Max 2 previous HDB loans — 3rd HDB loan application not allowed
Downpayment 25% — fully payable via CPF OA, no mandatory cash component
HLE letter required — apply via HDB InfoWEB with SingPass, valid 6 months
Max HDB loan (75% LTV)
S$ —
at 2.6% p.a.
Monthly instalment
S$ —
at 2.6% actual
Stress-test (3%)
S$ —
MAS floor for HDB
MSR (mortgage repayment ÷ income)—%
30% MSR limit
55%
TDSR (all debts ÷ income)—%
30%
TDSR 55%
MSR and TDSR both within limits ✓
Upfront cost breakdown
Flat price
—
HDB loan (75%)
—
Downpayment (25%)
—
Buyer's Stamp Duty (BSD)
—
ABSD
Nil (SC 1st HDB)
Your CPF OA
—
Surplus / shortfall
—
Tenure vs LTV trade-off
≤25 yr (standard)
LTV 75%
—/mo
≤30 yr (extended)
LTV drops to 55%
—/mo
Extending beyond 25 yr drops LTV by 20%, requiring a significantly larger downpayment.
CPF housing grants available
Enhanced CPF Housing Grant (EHG)
Up to S$ 120,000
Step-Up CPF Housing Grant
S$ 15,000
Proximity Housing Grant (PHG)
Up to S$ 30,000
Grants reduce loan quantum needed
↓ Effective price
EHG amount depends on income tier (check HDB website). Grants applied before loan calculation.
HDB loan vs bank loan
Interest rate
2.6% fixed
Bank: ~1.4–2.8%
Stress test
3% p.a.
Bank: 4% p.a.
LTV
75%
Bank: 75%
Max tenure
25 yr
Bank: 30 yr
Min cash downpayment
None (full CPF ok)
Bank: 5% cash
Early repayment
Free anytime
Bank: penalty
Switch
Can switch to bank
Cannot switch to HDB
HDB concessionary loan · 2.6% p.a. · Stress-tested at 3% (higher of 3% or CPF OA rate + 0.1%) · LTV 75% (reduced Aug 2024) · BSD per IRAS 2024. For illustration only — verify with HDB HFE letter.
Number of borrowers
Income per borrower
Income summary
Property
TDSR 55% applies. No income ceiling. MSR does not apply.
—
Max tenure: — yr
S$
Eligible financial assets (optional)
Banks can count your liquid assets as additional monthly income for TDSR, amortised over 48 months. Pledged assets (locked with the bank for 48 months) carry no haircut. Unpledged assets carry a 70% haircut — only 30% of their value is recognised (MAS Notice 645).
S$
Cash, FD, bonds — locked 48 mo · +asset÷48/mo
S$
Stocks, CPF, unit trusts · +asset×70%÷48/mo
Asset income boost
Pledged: —/mo · Unpledged: —/mo · Total boost: —/mo
EC income ceiling check
Combined gross must be ≤ S$16,000
—
Income exceeds the S$16,000 EC income ceiling. Not eligible for new EC from developer. Consider private condo instead.
Your maximum mortgage
Max property price
S$ —
—
Max loan
S$ —
75% LTV
Monthly repayment
S$ —
at ~2.5% est. rate
TDSR ratio (stress-tested at 4%)—%
MSR 30%
TDSR 55%
MSR applies (HDB/EC) — mortgage capped at 30% of income = —
Upfront cost breakdown
Max property price
—
Min downpayment (25%)
—
Buyer's stamp duty (BSD)
—
Your cash + CPF
—
Surplus / shortfall
—
Stress-tested at 4% p.a. (MAS minimum floor — banks may use up to 4.5%). Actual rates ~1.4–2.8% p.a. as of 2026. BSD per IRAS 2024. For illustration only — not financial advice.
Target property
S$
TDSR 55% applies. MSR does not apply.
—
Max tenure: — yr
EC eligibility requirements
At least 1 SC applicant — please confirm citizenship below
Family nucleus required — married or engaged couple
No private property owned in last 30 months
Bank loan only (HDB loan not allowed for EC)
Downpayment: 25% (min 5% cash, balance CPF/cash)
EC income ceiling
Combined gross must be ≤ S$16,000
—
Combined income exceeds the S$16,000 EC income ceiling. You are not eligible to buy a new EC from developer. Consider private condo instead.
EC CPF Housing Grant: —. Applied to reduce effective price.
Borrowers
Income summary
EC requires at least 1 Singapore Citizen applicant.
LTV: 75% · No existing loans
Available funds
S$
Min 5% must be cash
S$
✓
You can afford this property
Income and funds are both sufficient at max loan.
Required loan
S$ —
75% LTV · 30 yr
Max eligible loan
S$ —
TDSR limited
Monthly repayment
S$ —
at ~2.5% est. rate
TDSR (stress-tested at 4%)—%
30%
55%
Loan gap — income insufficient
—
Required loan exceeds your max eligible loan. Pay extra downpayment OR increase income.
Extra cash downpayment to bridge gap
—
Paying this extra upfront reduces your loan to within eligible amount.
Funds shortfall
—
Cash + CPF falls short of downpayment + stamp duties required.
Cash surplus after purchase
—
Comfortable buffer remaining after all upfront costs.
Full cost breakdown
Property price
—
EC CPF Housing Grant
—
Effective price (after grant)
—
Required downpayment
—
Buyer's Stamp Duty (BSD)
—
ABSD (SC 1st = 0%)
Nil
Your cash + CPF
—
Surplus / shortfall
—
MAS TDSR/MSR · Stress-test 4% p.a. · ABSD rates Apr 2023 · BSD per IRAS 2024 · EC CPF grants per HDB guidelines. For illustration only.
Loan details
S$
Monthly repayment
S$ —
at 2.5%
Total interest paid
S$ —
—% of loan
Total repayment (principal + interest)
S$ —
Stress-test instalment at 4% p.a.: —
Amortisation schedule (year by year)
Principal —Interest —
Year
Opening bal
Principal
Interest
Closing bal
Estimates only. For illustration purposes. Consult a licensed mortgage adviser before committing to any purchase.
Recent activity
When
Who
Action
Target
Account
Signed in as—
Role—
Versionv5.17.0
Tools
🧮
Mortgage Calculator
Affordability, MSR/TDSR caps, monthly payments
📈
Profitable Transactions
Search any address for its full transaction history and resale gains. HDB since 1990 · private since 1995 (exact unit) · commercial & industrial
📊
Analysis
Key a full address for a one-page report — valuation, recent transactions, amenities and 3-tier upgrade paths
🎯
Entry & Exit Strategy
Key a purchase and its financing — project the sale price and profit for every exit year on the area's own historical growth
🕒
Recent Transactions
Every transaction on record across HDB, private, commercial and industrial — island-wide, or around any address
Full transaction history and matched resale gains for any address. HDB since 1990 · private, commercial & industrial since 1995 (exact unit, REALIS).
← Tools
Profitable Transactions
—HDB
—
—
Transactions
—
Matched pairs
—
% profitable
—
Median gain
—
Median p.a.
—
Median holding
Resale gains — matched pairs
No matched resale pairs found for this address.
Transaction history
History truncated — showing the most recent transactions only.
Private records are exact unit-level REALIS data (day-level dates, from 1995) — each pair is a real same-unit buy → sell; bulk and collective-sale legs are excluded. HDB data carries no unit numbers, so HDB pairs are estimated from identical unit signatures (high = only two transactions share the signature; medium = 3–4; low = 5+ — verify before quoting) and respect the 5-year Minimum Occupation Period (2.5 years for pre-Aug-2010 purchases). Commercial and industrial records are exact unit-level REALIS data from 1995 — pairs match consecutive sales of the same unit, like private. Figures are gross: they exclude stamp duties, renovation, mortgage interest and fees. HDB data from 1990. Internal use only — REALIS-licensed data must not be published.
—Unit
—
Ownership gains — this unit
No qualifying buy → sell pair for this unit (holding under 6 months, bulk legs, or a single transaction).
Every transaction of this unit
Exact unit-level REALIS record since 1995. Internal use only — REALIS-licensed data must not be published.
← Tools
Recent Transactions
—
Advanced ▸
HDB town
District — private · commercial · industrial
No transactions found.
← Tools
Entry & Exit Strategy
The property
Financing
Buyer profile — sets ABSD
Holding costs — optional
Development uplift — optional, your judgement
Added to every exit year. Left at 0 by default: measured against the Thomson-East Coast Line opening, blocks newly brought within 500 m of a station grew a median 0.17pp/yr slower than unserved blocks in the same town — announced infrastructure is already in today's price. Use this only for a catalyst you believe is not yet priced in.
——
—
Area growth
Entry cost
Exit by year
Method & assumptions
← Tools
Analysis
——
—
Valuation
This unit — every transaction since 1995
Pros & cons
Recent transactions — last 12 months
No transactions in the last 12 months.
Nearby amenities · within 2 km · walk at 80 m/min
Upgrade paths — 3 tiers
Indicative budgets ≈1.15× / 1.5× / 2.0× of the estimated value. Actual affordability depends on income, debts and financing — verify with the Mortgage Calculator (MAS TDSR/MSR rules).
Estimates are indicative and not a guarantee — always verify against recent caveats and the bank's in-principle approval. Internal use only — REALIS-licensed data must not be published.
—
—
Notes
Financials · for the client report
No financial details yet — add them when you've discussed with the client.