HDB Upgrade to Condo Calculator (Estimate)

Current estimated property value (SGD)

SGD

Outstanding HDB loan

SGD

CPF used for HDB (with accrued interest)

SGD

CPF OA available for property

SGD

Cash savings

SGD

Condo purchase price

SGD

Loan LTV (%) — typical bank loan percentageInterest rate (annual %)Loan tenure (years)Combined monthly incomeExisting monthly debt

Results

Net sale proceeds: SGD 286,500

Down payment (25%): SGD 200,000

Estimated cash needed for down payment after CPF: SGD 150,000

Cash shortfall after savings: SGD 100,000

Estimated loan required: SGD 600,000

Estimated monthly instalment: SGD 2,530

Affordability verdict: Likely affordable

⚠️Estimates only. This tool provides indicative calculations and is not financial or legal advice. Check with banks, CPF and licensed professionals for exact figures.

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