How to Apply for an HDB Loan
Step-by-step guide: the HFE letter, eligibility checks, documents needed, HDB loan vs bank loan comparison, and what to expect from the loan approval process.
HDB BTO vs Resale 2026: Which Is Cheaper After Grants?
Compare cost, waiting time, location choice, grants, and lifestyle tradeoffs — with real numbers for a $7,000/month first-timer couple.
How Much CPF Can I Use to Buy HDB? 2026 Limits Explained
Valuation Limit, Withdrawal Limit, accrued interest, lease decay rules, BRS requirement, and how to avoid a negative sale — all the CPF rules for HDB.
CPF Accrued Interest on Your HDB Flat: What You Owe When You Sell
Why every CPF dollar used for housing keeps earning the OA rate, how the P+I refund is deducted from your sale proceeds, and how to estimate it before you list.
What Might Change in 2027 Compared to 2026: HDB Buyers and Sellers
What HDB and CPF Board have announced for 2027, what they have not, and what it means if you are buying or selling a flat.
HDB Grant Guide 2026: EHG, CPF Housing Grant, Proximity & Step-Up
Complete reference for all 4 HDB grants: how much you get, who qualifies, stacking rules, maximisation tips, and common mistakes to avoid.
HDB Enhanced CPF Housing Grant 2026: EHG amount by income
The largest grant, in detail: amounts at every income band, the $9,000 family and $4,500 singles ceilings, what it costs you when you sell, and how to claim it.
CPF Housing Grant 2026: amounts and eligibility
Amounts by citizenship and flat size — and why choosing a 5-room over a 4-room resale flat costs a two-Citizen household $30,000 of grant.
Proximity Housing Grant 2026: how to check the 4km rule
$30,000 for living with parents, $20,000 within 4km — who counts as family, and what HDB does and does not publish about the distance and any income ceiling.
Singapore HDB government grants 2026: all amounts listed
Every grant in one place — the four maximums HDB publishes, the flat-size tiers, every income ceiling, and which grants can be claimed together.
HDB Grants for Singles 2026
Up to $115,000 on a resale flat — every grant at the singles rate, the $4,500 EHG ceiling, and why the CPF Housing Grant reaches a 5-room flat after all.
Step-Up CPF Housing Grant 2026
The $15,000 second-timer grant, and the rule almost everyone states backwards: the flat you buy must be a 2- or 3-room flat, not a larger one.
HDB Grant Eligibility Step by Step
Check your eligibility in 5 easy steps. Income tiers, citizenship mix, first-timer vs second-timer, and real examples showing how to stack up to $230,000.
HDB Downpayment 2026
How much you need and what you may pay it with: 25% under both the HDB and the standard bank Loan-to-Value limit, at least 5% of the price in cash on a bank loan, and none of it in cash on an HDB loan.
HDB Resale Levy 2026
Every levy amount for 2026 in two tables: the fixed schedule by first-flat type, the pre-2006 percentage schedule, and the half rate for Singles Grant recipients.
HDB Resale Levy Guide for Singaporeans
How much you pay based on your first flat type, when the levy applies, how it is collected, and why an open-market resale flat carries no levy at all.
Sources for the figures on this page
Every figure above is taken from the source named here on the date shown. Figures marked as estimates are reconstructed, not published by the authority.
- Bank loan minimum cash downpayment at the 75% LTV limit — MAS — Rules for New Housing Loans: Loan Tenure and Loan-To-Value Limits verified 2026-10-16
- EHG income ceiling, families; EHG income ceiling, singles; CPF Housing Grant, two Singapore Citizens, 5-room / 3Gen / Executive resale; CPF Housing Grant, two Singapore Citizens, 2- to 4-room resale; Maximum housing grants, first-timer family buying resale; Maximum housing grants, first-timer single buying resale — MyNiceHome (HDB) — HDB grants guide (last updated 23 August 2026) verified 2026-10-16
- HDB concessionary loan downpayment — MND & HDB — Measures to Cool the HDB Resale Market and Provide More Support for First-Time Home Buyers (19 August 2024) verified 2026-10-16
- Proximity Housing Grant, family living within 4km; Proximity Housing Grant distance threshold; Proximity Housing Grant, family living with parents or child — CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant verified 2026-10-16
- Step-Up CPF Housing Grant, second-timer families — HDB — Step-Up CPF Housing Grant (Families) verified 2026-10-16