---
title: "HDB Loan Calculator 2026 | Check Eligibility & MSR"
url: "https://cpfcalculator.sg/calculators/hdb-loan"
author: "CPF Calculator"
language: "en"
---

[Calculators](/calculators) HDB Loan

Home Purchase Planning 

#  HDB Loan Calculator 

Check your loan eligibility, calculate monthly payments, and compare HDB vs bank loans. 

##  Property Details 

Property Price

S$

Loan Type

HDB Loan \(2.6% p.a.\) Bank Loan \(Variable\)

Bank Interest Rate \(% p.a.\)

Loan Tenure \(Years\)

HDB max 25 years, Bank max 30 years

##  Income & Eligibility 

Combined Monthly Income

S$

Gross monthly income of all applicants

Age of Oldest Applicant

Other Monthly Debt Obligations

S$

Car loans, credit cards, other mortgages

Calculate Loan 

You are eligible for a HDB loan

Based on your income and existing obligations

Maximum Loan

S$ 400,000

Monthly Payment

S$ 0

Down Payment Required

S$ 100,000

Total Interest Paid

S$ 0

###  Debt Servicing Limits 

MSR \(Mortgage Servicing Ratio\) 0%

Maximum 30% for HDB/EC purchases

TDSR \(Total Debt Servicing Ratio\) 0%

Maximum 55% of gross monthly income

###  Loan Breakdown 

Property Price

S$ 500,000

Loan Amount

S$ 400,000

LTV Ratio

80%

Interest Rate

2.6% p.a.

Loan Tenure

25 years

Total Repayment

S$ 0

###  HDB vs Bank Loan Comparison 

| HDB Loan | Bank Loan  
---|---|---  
Max LTV | 80% | 75%  
Interest Rate | 2.6% \(fixed\) | ~3-4% \(variable\)  
Down Payment | S$ 100,000 | S$ 125,000  
Monthly Payment | S$ 0 | S$ 0  
Total Interest | S$ 0 | S$ 0  
  
## HDB Loan Eligibility Guide

### HDB Loan Requirements

  * • Singapore Citizen applicant
  * • Income ceiling: $14,000/month \(family\)
  * • No private property ownership
  * • Valid flat eligibility

### MSR & TDSR Explained

  * • MSR: Max 30% of income for mortgage
  * • TDSR: Max 55% for all debts combined
  * • Applies to HDB and private property
  * • Calculated on gross monthly income

### Down Payment Options

  * • HDB: 20% down \(can use CPF OA\)
  * • Bank: 25% down \(5% cash, 20% CPF\)
  * • Grants available for first-timers
  * • Additional Buyer's Stamp Duty applies

### Important Notes

  * • Rates subject to change
  * • This is an estimate only
  * • Consult HDB/bank for exact figures
  * • Additional fees may apply

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