BTO HDB BTO Planner Reset Applicant details Application type Joint applicants Single applicant First-timer status (overall) Yes — first-timer No / unsure Applicant 1 Citizenship Singapore Citizen Singapore PR Other / Non-resident Age Applicant 2 (if joint) Citizenship Singapore Citizen Singapore PR Other / Non-resident Age Next → Finance details Applicant 1 gross monthly income (S$) Applicant 2 gross monthly income (S$) Other monthly debt commitments (S$) Cash savings available (S$) Total CPF OA available (S$) Employment last 12 months (for grant check) Yes / likely yes No / unsure ← Back Next → Property details Estimated BTO purchase price (S$) Outstanding housing loans (for bank LTV) None 1 outstanding housing loan 2 or more outstanding housing loans Planned loan tenure (years) Bank assessment setting Auto-cap bank loan calculations at 25 years Turn OFF if you really plan >25 years. ← Back Next → Grant eligibility (EHG) Lease covers youngest to age 95? Yes / likely No / unsure Employed continuously for 12 months? Yes / likely yes No / unsure EHG checks (scenario + singles age) are auto-evaluated in the backend logic. ← Back See Results → Results Loan type HDB Loan Bank Loan CPF is used first for BSD (if shown), then remaining CPF reduces loan. Bank loan: mandatory cash downpayment (≥5%) is non-financeable. Bank interest rate (actual) Use 4% interest-rate floor for MSR/TDSR. Assessment rate = max(4.00%, your bank rate). Recalculate Export / Print Options Apply estimated EHG? Yes (adds grant into CPF funding) No Show BSD estimate? Yes No ← Back
