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For agents interested in participating on SRX, please contact us at +65 6635 3388 or write to us at feedback@srx.com.sg
)))Based on HDB's launch prices, the table below compares affordability across the upcoming BTO launches.
Legend: Red means that income level may not be able to qualify for a mortgage per MAS 30% MSR Rule
| Yishun Glen / Melody @ Yishun (HDB 3 Rooms) |
Min: $178,000
Max: $216,000
|
||||||
| Your Household Income (A) |
Median BTO Price (B) |
Downpayment (10%) (C) = 10%(B) |
Additional Housing Grant (AHG) (D) |
Housing Loan (Price - Downpayment - AHG) (E) = (B) - (C) - (D) |
Monthly Instalment (F) |
Your CPF OA Contribution (G) = 0.23 x (A) |
Monthly Cash Topup (Instalment - CPF OA) (H) = (F) - (G) |
|---|---|---|---|---|---|---|---|
| $2,000 | $197,000 | $19,700 | $35,000 | $142,300 | $646 | $460 | $186 |
| $2,500 | $197,000 | $19,700 | $30,000 | $147,300 | $668 | $575 | $93 |
| $3,000 | $197,000 | $19,700 | $25,000 | $152,300 | $691 | $690 | $1 |
| $3,500 | $197,000 | $19,700 | $20,000 | $157,300 | $714 | $805 | $0 |
| Yishun Glen / Melody @ Yishun (HDB 4 Rooms) |
Min: $248,000
Max: $317,000
|
||||||
| Your Household Income (A) |
Median BTO Price (B) |
Downpayment (10%) (C) = 10%(B) |
Additional Housing Grant (AHG) (D) |
Housing Loan (Price - Downpayment - AHG) (E) = (B) - (C) - (D) |
Monthly Instalment (F) |
Your CPF OA Contribution (G) = 0.23 x (A) |
Monthly Cash Topup (Instalment - CPF OA) (H) = (F) - (G) |
|---|---|---|---|---|---|---|---|
| $3,500 | $282,500 | $28,250 | $20,000 | $234,250 | $1,063 | $805 | $258 |
| $4,000 | $282,500 | $28,250 | $15,000 | $239,250 | $1,085 | $920 | $165 |
| $4,500 | $282,500 | $28,250 | $10,000 | $244,250 | $1,108 | $1,035 | $73 |
| $5,000 | $282,500 | $28,250 | $5,000 | $249,250 | $1,131 | $1,150 | $0 |
| Yishun Glen / Melody @ Yishun (HDB 5 Rooms) |
Min: $334,000
Max: $405,000
|
||||||
| Your Household Income (A) |
Median BTO Price (B) |
Downpayment (10%) (C) = 10%(B) |
Additional Housing Grant (AHG) (D) |
Housing Loan (Price - Downpayment - AHG) (E) = (B) - (C) - (D) |
Monthly Instalment (F) |
Your CPF OA Contribution (G) = 0.23 x (A) |
Monthly Cash Topup (Instalment - CPF OA) (H) = (F) - (G) |
|---|---|---|---|---|---|---|---|
| $4,500 | $369,500 | $36,950 | $10,000 | $322,550 | $1,463 | $1,035 | $428 |
| $5,000 | $369,500 | $36,950 | $5,000 | $327,550 | $1,486 | $1,150 | $336 |
| $5,500 | $369,500 | $36,950 | $0 | $332,550 | $1,509 | $1,265 | $244 |
| $6,000 | $369,500 | $36,950 | $0 | $332,550 | $1,509 | $1,380 | $129 |
| $6,500 | $369,500 | $36,950 | $0 | $332,550 | $1,509 | $1,495 | $14 |
| $7,000 | $369,500 | $36,950 | $0 | $332,550 | $1,509 | $1,610 | $0 |
The figures show you an estimate of the extra monthly cash instalments you have to fork out after CPF deduction. These estimates take into account the prevailing CPF OA contributions, HDB's Additional Housing Grant (AHG) and loan interest rate.
Depending on your household income, a cash payment highlighted in red means that it may not be affordable for you to purchase that BTO.
Assumptions:
1. Buyers have sufficient savings for the 10% downpayment.
2. The monthly instalment is based on the maximum tenure of 25 years at HDB concessionary interest rate of 2.6% p.a.
3. Household income is based on two buyers, both aged 35 and below and their monthly income is not more than $6,000 each.
4. Does not take into consideration Special Housing Grant (SHG) for non-mature estates, where applicable.
Disclaimer: Calculations provided above for financing are for general reference only. StreetSine Singapore Pte Ltd accepts no liability whatsoever arising from any use of or reliance on the use of these tables.
| Option | Condition | Move-in | Eligible to Sell |
|---|---|---|---|
| BTO | New | 2-4 Years | 7-9 years (incl. 5 years lock-in) |
| HDB Resale | Older | Immediate | 5 years lock-in |
| Median BTO price | Median Resale Price | |
|---|---|---|
| HDB 3 Rooms | $197,000 | $264,000 |
| HDB 4 Rooms | $282,500 | $357,500 |
| HDB 5 Rooms | $369,500 | $440,000 |
| Median Price (a) |
Downpayment (b) |
Additional Housing Grant* (c) |
Family Grant* (d) |
Proximity Housing Grant* (e) |
Housing Loan (a)-(b)-(c)-(d)-(e) |
Monthly Installment (f) |
Your CPF OA Contribution (g) |
Monthly Mortgage Cash Outlay (f)-(g) |
Mortgage Servicing Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| BTO | $197,000 | $19,700 | $30,000 | $0 | $0 | $147,300 | $668 | $575 | $93 | 27% |
| Resale | $264,000 | $26,400 | $30,000 | $50,000 | $20,000 | $137,600 | $624 | $575 | $49 | 25% |
| Median Price (a) |
Downpayment (b) |
Additional Housing Grant* (c) |
Family Grant* (d) |
Proximity Housing Grant* (e) |
Housing Loan (a)-(b)-(c)-(d)-(e) |
Monthly Installment (f) |
Your CPF OA Contribution (g) |
Monthly Mortgage Cash Outlay (f)-(g) |
Mortgage Servicing Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| BTO | $282,500 | $28,250 | $15,000 | $0 | $0 | $239,250 | $1,085 | $920 | $165 | 27% |
| Resale | $357,500 | $35,750 | $15,000 | $50,000 | $20,000 | $236,750 | $1,074 | $920 | $154 | 27% |
| Median Price (a) |
Downpayment (b) |
Additional Housing Grant* (c) |
Family Grant* (d) |
Proximity Housing Grant* (e) |
Housing Loan (a)-(b)-(c)-(d)-(e) |
Monthly Installment (f) |
Your CPF OA Contribution (g) |
Monthly Mortgage Cash Outlay (f)-(g) |
Mortgage Servicing Ratio | |
|---|---|---|---|---|---|---|---|---|---|---|
| BTO | $369,500 | $36,950 | $0 | $0 | $0 | $332,550 | $1,509 | $1,265 | $244 | 27% |
| Resale | $440,000 | $44,000 | $0 | $40,000 | $20,000 | $336,000 | $1,524 | $1,265 | $259 | 28% |
Disclaimer: Calculations provided above are for general reference only. StreetSine Singapore Pte Ltd accepts no liability whatsoever arising from any use of or reliance on the use of these tables.
* Assumes first-timer Singaporean couple living near one of the parents. Refer to HDB's Housing Grant rules if your situation differs.
* Updated based on 2019 Budget wef 20 Feb 2017
Note: Total Debt Servicing Ratio (TDSR) cannot exceed 60% of your net income. Mortgage Servicing Ratio (MSR) cannot exceed 30% of your income. Calculations are done at 3.5% Interest Rate.
| Registration Date | HDB Model | Price | Location | Storey | Size | Built |
|---|---|---|---|---|---|---|
| Feb 18 | 4A | $375K | Yishun Ave 11 | 4-6 | 104 sqm | 1988 |
| Feb 18 | 4A | $409K | Yishun Ave 11 | 7-9 | 92 sqm | 2012 |
| Feb 18 | 4A | $350K | Yishun Ave 11 | 4-6 | 92 sqm | 2012 |
| Feb 18 | 4A | $370K | Yishun Ave 11 | 1-3 | 96 sqm | 2012 |
| Feb 18 | 4A | $370K | Yishun Ave 11 | 10-12 | 108 sqm | 1988 |
| Mar 18 | 4A | $350K | Yishun Ave 11 | 1-3 | 92 sqm | 2012 |
| Lease Date | HDB Model | Price | Location | Built |
|---|---|---|---|---|
| Feb 18 | 4RM | $1,650 | Yishun Avenue 11 | 1988 |
| Feb 18 | 4RM | $1,900 | Yishun Avenue 11 | 1988 |
| Feb 18 | 4RM | $1,700 | Yishun Avenue 11 | 1988 |
| Mar 18 | 4RM | $1,600 | Yishun Avenue 11 | 1988 |
| Feb 18 | 4RM | $1,450 | Yishun Avenue 11 | 1988 |
| Mar 18 | 4RM | $1,500 | Yishun Avenue 11 | 1988 |
| HDB Type | Year 2009 (purchase) | Year 2019 (purchase) | Total Change | Annual Change |
|---|---|---|---|---|
| HDB 3 Rooms | $227,000 | $264,000 | 16.3% |
1.63% |
| HDB 4 Rooms | $275,000 | $358,000 | 30.0% |
3.0% |
| HDB 5 Rooms | $370,000 | $440,000 | 18.92% |
1.89% |
$400,000 HDB 4 Rooms
$580,000 HDB 4 Rooms
View to offer HDB 4 Rooms
$530,000 HDB 5 Rooms
$2,000 HDB 5 Rooms
$1,800 HDB 3 Rooms
$1,400 HDB 3 Rooms
$1,750 HDB 4 Rooms
