HDB Loan Calculator Singapore 2025
HDB vs bank loan — monthly installment, CPF usage, MSR and TDSR checks.
S$
S$
S$
S$
✓ MSR (Mortgage Servicing Ratio)
27.22%
Max 30% of gross income
✓ TDSR (Total Debt Servicing Ratio)
27.22%
Max 55% of gross income
Monthly Installment
S$1,633
Max Loan (80% LTV)
S$360,000
Total Interest Paid
S$129,963
Downpayment (20%)
S$90,000
CPF OA used
S$50,000
Cash required
S$40,000
⚠️ Cash shortfall: S$10,000. You need more cash savings or a lower-priced flat.
⚠️ HDB loan eligibility requires at least one Singapore Citizen applicant and gross monthly household income ≤ S$14,000. Bank loan rates are variable; 3.7% used as illustrative estimate. MSR applies to HDB flats; TDSR applies to all properties. Consult HDB or a mortgage broker for personalized advice.