Buy · Tool 07

New EC purchase

Progressive funding, income-ceiling signal, MSR and post-TOP commitment.

Decision questionDoes the household pass the EC-specific affordability gates?

Rules reviewed10 Aug 2026HDB basis

02 · Primary answerNeeds attention

Funds before completion

S$437,600EC-specific checks show the entered income ceiling and 30% MSR beside progressive-payment exposure.

Post-TOP instalmentS$5,393

MSR capS$4,500

Construction interestS$20,796

Decision shaperelative scale

Post-TOP payment

S$5,393

MSR cap

S$4,500

NAVARO read

The post-TOP payment exceeds the 30% MSR cap under the entered assumptions.

03 · Calculation trail

See the number being built.

The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.

0125% equity contributionS$387,500

02BSDS$47,100

03Resale levyS$0

04Legal allowanceS$3,000

05Funds before completionS$437,600

Continue the decision