Check how much HDB you can afford based on your income, TDSR/MSR limits, and CPF downpayment. Includes grant eligibility.
Choose your buyer type — First-timer or Second-timer (after 5-year wait-out). Then select your nationality — Singapore Citizen, Permanent Resident, or Foreigner (note: HDB is not available to foreigners).
Input your gross monthly income (for salaried employees) or average monthly income over the past 12 months (for commission-based workers). For joint applications, add all buyers' incomes.
Input the property price or value, select your loan tenure (up to 30 years), and choose between HDB Concessionary Loan or Bank Loan. The tool calculates your maximum loan eligibility and monthly repayment.
See your Maximum Loan Eligible, estimated monthly repayment, Total Debt Servicing Ratio (TDSR) check, and CPF usage. Apply for an HDB Loan Eligibility (HLE) letter for the official approval.
The HDB Affordability Calculator is part of LaiUse's growing collection of singapore tools, cpf calculator, hdb calculator, iras tax. Like every tool on LaiUse, it runs entirely in your browser — meaning your data, files, and inputs stay on your device throughout the entire process.
LaiUse offers Singapore tools alongside singapore salary calculator, cpf contribution calculator, cpf retirement sum estimator. The entire platform is free to use with no signup required, making it a popular choice for developers, designers, and everyday users who need a quick tool without the overhead of a SaaS subscription.
Whether you need the hdb affordability calculator for a one-off task or as part of your regular workflow, LaiUse is designed to be fast, reliable, and private. Bookmark this page to come back anytime, or explore the rest of the Singapore category for related tools.
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