Calculator

Condo Affordability Calculator

Estimate a mortgage repayment, Buyer’s Stamp Duty and selected ABSD scenarios for a Singapore residential purchase.

How to use this affordability calculator

Enter the target purchase price, cash/CPF available, interest rate and tenure to estimate a planning-level loan amount and monthly repayment. Use it to sense-check whether a condo budget is worth discussing with a banker before shortlisting units. It does not replace bank approval, valuation, CPF withdrawal limits, TDSR/MSR checks or legal advice.

Loan required after stated cash and CPF

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Illustrative loan used (75% LTV cap)

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Funding gap at the 75% LTV assumption

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Estimated monthly repayment (on illustrative loan)

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Estimated BSD

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Estimated ABSD

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Important financing limitation: this uses a 75% LTV planning cap and does not apply TDSR/MSR, CPF usage limits, minimum cash-downpayment rules, valuation differences or lender eligibility checks. Your actual maximum loan may be lower. Confirm your financing with a bank or mortgage professional.
Illustrative only. Use the higher of purchase price or market value where applicable, and verify taxes, financing and eligibility with IRAS, your lender, lawyer and relevant professionals.
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