HDB Eligibility & Affordability
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Likely Eligible· Public Scheme (SC + SC)
Eligible under the Public Scheme. Both are Singapore Citizens — maximum grants apply.
Affordability Estimate (HDB Loan @ 2.6%)
Max HDB Loan
$529,019
MSR 30% of income
Max Property Price
$661,274
at 80% LTV
Monthly Repayment
$2,400
25yr @ 2.6%
Est. Grant (EHG)
$15,000
first-timer EHG
Total budget (loan + CPF + grant)$706,274
Eligible flat types (BTO):
4-Room5-RoomExecutive
Key Requirements
- • SC aged 21+ (couple/family), 35+ (single)
- • PR applicant must have SC co-applicant to be eligible
- • PR + PR or PR + Non-Citizen households cannot buy HDB
- • SC + Non-Citizen: resale only, no grants (Non-Citizen Spouse Scheme)
- • Must not own private property in last 30 months
- • Income ceiling: $7,000/mo (2-room BTO), $14,000/mo (4-room+ BTO)
- • MSR limit: 30% of monthly income for HDB loan
Based on HDB eligibility rules and income ceilings. Grants subject to eligibility review. Check hdb.gov.sg for latest updates.
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