Plan a BTO or resale flat from grants to keys. Check your HDB grants, the BTO payment timeline, your minimum occupation period, the resale levy and what you walk away with when you sell.
Work out how much HDB flat you can afford: your maximum HDB or bank loan, CPF-vs-cash downpayment, monthly repayment, MSR/TDSR limits and the cash you need upfront.
Open calculatorCompare a BTO flat versus a resale HDB flat side by side, the CPF housing grants each gets, the net price, and the trade-offs in wait time, lease and availability.
Open calculatorSee which CPF housing grants you can get for a BTO or resale flat: EHG up to S$120,000 by income, the Family or Singles Grant, PHG and Step-Up Grant, on HDB's 2026 tables.
Open calculatorEstimate what your HDB flat could sell for from recent resale prices on data.gov.sg, by town, flat type, storey and remaining lease, with every comparable sale listed.
Open calculatorThe resale levy to buy a second subsidised flat: fixed by your first flat type from S$15,000 to S$55,000, the pre-2006 percentage, ex-EC owners and payment from sale proceeds.
Open calculatorEvery payment for a BTO flat from booking to keys: option fee, downpayment, stamp duty and legal fees at the Agreement for Lease and the balance at key collection, in cash and CPF.
Open calculatorMonthly S&CC for all 19 town councils by flat type, reduced or normal rate, and what you pay over FY2026 after the GST Voucher S&CC rebate of up to 3.5 months.
Open calculatorWork out the cash from selling your HDB flat after the loan, the CPF refund with accrued interest, the resale levy if you buy another subsidised flat, and agent and legal fees.
Open calculatorSee HDB's fire insurance premium and sum insured for your flat type, whether you must buy it, and the cost over the rest of your HDB loan, with what it covers next to home insurance.
Open calculatorWork out your share of HDB's Home Improvement Programme cost by flat type and citizenship, for optional and EASE items, against the Government's share, with CPF or cash instalments.
Open calculatorWork out your monthly parking bill in Singapore from HDB's season parking rates by car park and tier, short-term charges by the minute with the S$12 and S$20 day caps, and the S$5 night cap.
Open calculatorFind the date your HDB flat or EC meets its Minimum Occupation Period, how long is left, and what you can do after it, for Standard, Plus, Prime, DBSS and EC homes.
Open calculatorSelling your HDB flat and buying a resale flat the same day: the cash and CPF your sale frees up, how much HDB makes you use, the HDB loan you need and the cash you keep.
Open calculatorWhere a developer's deferred payment scheme still applies in Singapore, and how HDB's staggered and deferred downpayments move a new flat's payments from signing to key collection.
Open calculatorThe cash you pay above the valuation for an HDB resale flat or private home, the loan and CPF on the lower of price or value, and stamp duty on the price.
How much you can get from the Enhanced CPF Housing Grant, the Family Grant and the Proximity Housing Grant in 2026, who qualifies, and how the grants stack and land in your CPF.
How to apply for a BTO flat in Singapore in 2026, from getting your HFE letter first, to the Standard/Plus/Prime classes, balloting, booking, the payment timeline, grants, and the Minimum Occupation Period.
The Minimum Occupancy Period is the years you must live in your HDB before selling or renting it out. Here are the 2026 rules, timelines and penalties.
A single first-timer can stack up to S$115,000 in HDB grants on a resale flat in 2026. Here is who qualifies, the exact amounts, and how to claim them.
Selling an HDB flat is a fixed government process with a fixed set of deductions. Here is the 2026 step-by-step, the real timeline, and exactly what comes out of your sale price before you see a single dollar.
The HDB Staggered Downpayment Scheme lets eligible first-timer couples split a BTO downpayment into two: a smaller chunk at lease signing and the rest at key collection years later. Here is exactly how the 2026 numbers work and when it actually helps.
Since Aug 2024 a resale HDB downpayment is 25% of price. With an HDB loan that can be all CPF; a bank loan forces 5% cash. Plus COV, stamp duty and option fees.
What the HDB Resale Portal actually does, the seven stages buyers and sellers move through, and every fee you pay along the way, verified against HDB for 2026.
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