BTO Affordability Roadmap
Slide your numbers and watch the roadmap redraw: grant, loan, and where the monthly instalment sits against the 30% servicing line. Benchmarks for a first-timer couple — not a personal verdict.
Couples around S$7,000/mo typically look at flats in the S$425k–S$590k range without stretching past the 30% servicing line. At S$500,000, the instalment lands at roughly 24% of income — inside it.
Upfront of S$104,600 sits above the S$60,000 you've set aside here — most couples in this band close that gap over the build period, or step down a flat tier. That's the kind of thing worth mapping together.
This is a population benchmark, not advice — the real plan depends on eligibility, grants and timing I'd map with you.
the grant table — EHG for first-timer couples ▸
assumes 25-year hdb loan (the hdb maximum), first-timer family ehg, loan sized at the 3.0% floor, 2.6% payable, 75% ltv; excludes legal, renovation and option fees. figures: hdb / iras / mas, 2026.
your numbers above ride along in the message — you can edit or delete them before sending.