Tools
HDB budget & payment-plan calculator
Lay out the option fee, estimated downpayment, BSD, legal fees, grant offsets, and the rough monthly payment before you commit.
Calculator
HDB budget & payment-plan calculator
Build a quick first-pass budget with option fee, downpayment, BSD, grants and monthly instalment.
Your funds
Loan details
Result
Snapshot
Estimated monthly instalment
$1,769
HDB loan · $390,000 at 2.60% over 25 yrs
Max loan (75% LTV)
$390,000
Based on flat price
Funding surplus
+$2,300
OA + cash vs needed
Option fee$2,000
Downpayment (25%)$130,000
Estimated BSD$10,200
Legal fees$2,500
Less: grant−$40,000
Net buyer funds needed$102,700
Payable via CPF OA and/or cash
Simple stage guide
1
Book flat
Option fee payable now
$2,000
2
Signing (ALS)
Downpayment + BSD + legal fees − grant
$62,700
3
Key collection
Remaining balance if any
$40,000
Simplified guide for new flat planning. Exact amounts depend on scheme, loan offer, and HDB instructions.
What this page does well
A cleaner first-pass flat budget
Budget before emotion
Shows how the option fee, downpayment, BSD, grants, and legal fees stack up before you focus on layout and estate.
Mobile-friendly stages
The stage guide avoids wide tables and keeps the booking, signing, and key collection view readable on a phone.
Good next step
Pair it with the home loan calculator when you want a broader affordability check.