Payment timeline

See when and how much you need to pay.

Your property

Three details give you the whole payment schedule. Nothing about your money is needed.

What are you buying?

New EC means bought from the developer. A resale EC is bought from its owner and follows different rules.

Purchase price

Option date

The day you pay the booking or option fee. Every other date counts from here.

I don’t have an option date yet

Stamp duty (BSD and ABSD) is worked out from who is buying and the homes they already own.

Who is buying?

A company or other entity can borrow up to 15% of the price and has no CPF. It can buy a new launch or a completed private home.

Buyer

Residency

Residential properties already owned in Singapore, including HDB flats

Count any share in a home, including the flat you are selling, and homes you have signed to buy. Property overseas doesn’t count.

When you pay, and how much

Add the developer’s datesAdd the completion date optional

The developer’s datesCompletion date

Developer’s expected TOP optional

Expected final payment (CSC) optional

From the developer. Without them, the earliest possible dates are used and marked as earliest dates.

Completion date optional

Without it: 12 weeks after the option (a planning convention).

How these dates and amounts are worked out

Can your cash, CPF and loan cover it?

Optional. Your cash and CPF are not verified and the loan is an estimate, not a bank approval. Everything stays on this device.

Your money and loan

Your money

Cash available now

CPF OA you plan to use

What CPF allows you to use, not necessarily your whole balance. Your CPF housing limits are not checked.

More detail about CPF OA you plan to use

CPF cannot pay the booking fee, the minimum cash or stamp duty up front. Your CPF housing limits may cap what you can use further, so the planner may show more CPF than you can actually use.

You and your loan

Monthly fixed income, both borrowers

Fixed pay before CPF, for everyone buying. Type 0 if none: no bank loan is then assumed.

More detail about Monthly fixed income, both borrowers

It sets the loan a bank could lend, and checks a new EC against the household income ceiling. Stays on this device.

Borrower’s age

years

Two borrowers: use their income-weighted average age (results for two borrowers are unverified).

More detail about Borrower’s age

How much can I borrow? works it out and shows both ways of weighting it. The age sets the loan limit together with the tenure. Which income MAS weights by is not confirmed.

Interest rate you expect

% a year

Used to estimate your monthly mortgage. Borrowing eligibility is assessed at 4% or a higher applicable rate.Loan tenure optional

years

Banks can lend for up to 35 years and usually end a loan by age 75 (lender policy, not a MAS rule). Over 30 years, or past age 65, the lower loan limit applies. Enter your age to see where that line falls.

How much would you like to borrow? optional

Leave blank to assume the maximum estimated loan. That is not a bank approval.

More detail about How much would you like to borrow?

Type an amount to borrow less. A smaller loan means more cash and CPF now and a smaller instalment. An amount above the estimated limit is not used: the result shows the limit that applies.

When did the EC site’s land tender close?

It sets the household income ceiling for a new EC. A balance unit in an older EC project keeps the lower ceiling, so choose “Before 24 Aug 2026” for it.

More detail about When did the EC site’s land tender close?

The ceiling is $16,000 a month if the tender closed before 24 Aug 2026, $18,000 if on or after. The developer or HDB can tell you.

Has the EC’s minimum occupation period (MOP) ended?

If you are not sure, the planner marks the financing as incomplete rather than guessing.

More detail about Has the EC’s minimum occupation period (MOP) ended?

It decides which income limits the bank applies to the loan. The owner’s agent or HDB can tell you.

Housing loans on the homes you will keep

Besides the home you are selling. HDB loans count.

More detail about Housing loans on the homes you will keep

A home you own outright has no loan, so choose None.

Monthly housing-loan instalments optional

For a new EC, the bank counts every housing-loan instalment you will still have.

More detail about Monthly housing-loan instalments

Include the loan on a home you are selling only if the bank will still count it.

A home to sell

Do you have a home to sell?

Choose one. Nothing is assumed.

What are you selling?

Have you owned it for more than 4 years?

Selling within 4 years brings Seller’s Stamp Duty.

More detail about Have you owned it for more than 4 years?

It depends on when you bought. If you have owned it for 4 years or less, use “Enter your own figures” below.

Expected sale price

Loan left on it

CPF to be refunded, including accrued interest

Leave it blank if you do not know yet. We do not estimate the interest, so the sale is not counted until you add it.One of the owners is 55 or over (the CPF refund first goes to the Retirement Account)

Enter your own figures instead

Cash you expect from the sale

CPF you expect back optional

Selling costs, agent fee and legal optional

Replaces the usual estimate.

When you enter the cash and CPF yourself, we use those figures as they are.

Sale completes

months after the option

For buy-first: when the sale money arrives. Or enter the completion date below.Completion date optional

Do you still owe a housing loan on the home you are selling?

“Not sure” is counted as owed, the cautious view.

More detail about Do you still owe a housing loan on the home you are selling?

A buy-first plan is tested by the bank while the loan is still owed.

Special cases (not confirmed)

MAS may leave the loan out when the sale is already contracted, or when you have signed an undertaking to HDB to sell. We have not confirmed these exclusions against the Notice, so we still count the loan as owed unless your bank confirms in writing.

Special case

My bank has confirmed in writing that it will leave this loan out

The sale removes a home I own (counts for ABSD)

ABSD refund and interim housing

ABSD refundAssume the ABSD is refunded after the sale

Refund arrives

months after the sale

An assumption: IRAS processes the refund after you apply; the planner never counts it before this date.

Interim rent per month optional

Paid in cash from the option until the keys (TOP or completion).

More options monthly savings, CPF top-ups, other income and debts

Cash set aside each month optional

CPF OA added each month optional

Your monthly OA contributions. Not worked out from your income.

Pay monthly instalments from CPF OA first, then cash

Monthly variable income, both borrowers optional

Bonus, commission and allowances, as a monthly average over the last 12 months (a yearly total ÷ 12). Banks count only 70% of it. Type 0 if none; leave it blank and all the income above is treated as fixed salary.Other monthly debt repayments optional

Car, card and other loan repayments, and the instalment on any housing loan you will still have, reduce the loan your income supports.

Your figures stay in this browser tab (session storage) and are not sent anywhere.

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