Buy · Tool 05

HDB resale purchase

HDB or bank financing, grants, MSR and the net funds required.

Decision questionDoes the purchase pass both the funding and monthly-payment tests?

Rules reviewed10 Aug 2026HDB basis

02 · Primary answerPasses entered checks

Net funds required

S$108,000HDB loan at 75% planning LTV. Grants reduce funds required but do not reduce the property price.

Monthly instalmentS$2,314

30% MSR capS$2,700

Minimum cashS$0

Decision shaperelative scale

Monthly payment

S$2,314

MSR cap

S$2,700

NAVARO read

The entered case sits inside the 30% MSR planning cap.

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.

01DownpaymentS$170,000

02BSDS$15,000

03Legal allowanceS$3,000

04Less confirmed grants−S$80,000

05Net funds requiredS$108,000

Continue the decision