POST-HFE · RESALE BUDGET PLANNER

Your Home Financing Plan

For buyers who already have an approved HFE letter. Plug in your CPF, grants and target price to see your real budget, monthly instalment and any cash top-up needed.

1 Your HFE letter

Prefilled from your approved letter — edit any field to match your own.

Couple / Family scheme: two applicants and family-tier grants.
Your HFE fixes who is on the application, your grant amounts and your eligibility. If anyone in the household or marital/citizenship status changes before you buy, the HFE becomes invalid — you'd need to cancel and re-apply.

2 Loan type

Compare an HDB loan vs a bank loan. This sets the default interest rate, max tenure and cash rules.

HDB concessionary rate (currently 2.6%).
Auto-set from the rules in step 3. HDB: 75%. Bank: 75% if loan ends by age 65, else 55%.
HDB loan: the 25% downpayment can be paid fully with CPF OA (no minimum cash).

3 Buyers & loan tenure

Age caps how long you can borrow. HDB uses the average age of buyers; the youngest age drives the CPF "age-95" lease rule.

Max allowed: 25 yrs ·

4 Your funds — CPF & grants

What you can put toward the flat. Grants are credited to your CPF OA and can go toward the downpayment (not the loan itself).

CPF Housing Grant receivable (from your HFE letter):

If near/with parents: +$30k live-with, +$20k within 4km.
Family + EHG + Proximity.

5 Budget scenarios

Enter one flat price, then the actual loan amount for each scenario — everything else auto-calculates.

Same price applied across all scenarios.
Checks whether your cash covers the upfront needed.
PrudentModerateMax
Loan amount
LTV % (auto)
Downpayment
Buyer's stamp duty
CPF + grants applied
Cash needed upfront
Monthly instalment
CPF OA left after purchase
Safety net — months on OA

6 Monthly cash-flow & top-up

Enter each buyer's monthly CPF OA contribution. We'll check if your OA covers the instalment or if a cash top-up is needed.

Estimated monthly instalment
—
Total monthly OA
—
Cash top-up / month
—
Loan amount—
Cash needed upfront (after CPF + grants)—
Loan tenure—

7 Save your plan

Save a PDF copy of your budget plan to keep or share.

Tip: "Save as PDF" opens your print dialog — choose Save as PDF as the destination.
Indicative only — not financial advice or a loan offer. Interest rates, LTV limits, grant amounts, stamp duty and CPF rules are set by HDB / MAS / CPF Board and change over time. Actual loan eligibility depends on income, MSR/TDSR, credit assessment and property valuation. Verify figures with HDB and your bank before committing.