How much home can I afford next?

Two figures every upgrader needs: the most the rules let you borrow, and a comfortable budget that leaves room for everything else. Plus the cash and CPF you would need upfront, with your sale proceeds counted in.

Your numbers

Tell us about your move

Do you own a home now?

Which comes first?

Your sale proceeds are added to your budget.

The home you’re selling

What are you selling?

Selling price you expect

Not sure? Use a recent sale in your block or development, or a rough figure. We can check the real number for you afterwards.Housing loan still owed

From your bank or HDB statement. Leave blank if fully paid.Did you use CPF for this home?

Most owners used CPF for the downpayment or instalments. It goes back to your CPF when you sell, so it changes the cash figure a lot.

Month you bought itYear you bought itOnly matters if you bought recently — selling within a few years can mean seller’s stamp duty.

Fees — our current rate and a typical lawyer’s fee (change if yours differ)

Agent fee

% of price

Our current rate; GST is added on top.Lawyer’s fees

Varies by firm.

The home you’re buying

What are you buying?

Household income per month

Before CPF and tax, all borrowers together.Other loan repayments per month

Car loan, personal loans, credit lines.

Age of main borrower

For a joint loan, banks use an income-weighted average age; use the older of you to be safe.Cash savings for this

What you would put into the purchase — keep your emergency fund out of it.CPF Ordinary Account

In the CPF app, all buyers together.

Enter your selling price, income and age to continue.