Ask NestbaseResearch assistant · real transaction data
Grounded in URA/HDB transactions — research, not advice.
Report a bug or request a feature
We'll attach this page, your screen size and any recent errors automatically.
Thanks — we're on it
Your report's been logged. We analyse every one, and you'll see fixes ship from it.
What can I afford?
A quick, honest read on your budget, stamp duty and the cash you need — Singapore rules (TDSR, MSR, LTV, BSD, ABSD). Kept in your browser only — nothing leaves your device until you sign in (Privacy Policy).
About you
Your outstanding home loans set the loan limit and minimum cash contribution.
Assumed from your property count — change it if yours is paid off.
Get a research estimate of your current home's value, then see how much it adds to your budget.
Estimated value—
Proceeds toward your next home—
Research estimate, not a valuation — excludes selling costs (agent commission, legal) and CPF accrued interest. Confirm the exact figure with your bank and CPF before relying on this budget.
You can likely afford
—
Enter your income, cash and CPF to see your budget.
Max home loan—
Est. monthly repayment—
Limited by—
Eligibility
Cash you need on day 1
Downpayment—
· minimum cash—
· CPF OA portion—
Buyer's stamp duty—
Additional buyer's stamp duty—
Legal (est.)$3,000
Cash out of pocket—
HDB grants (estimate)
Enhanced CPF Housing Grant—
CPF Housing (Family) Grant—
Proximity Housing Grant—
Grants (first-timer family)—
Indicative for a first-timer family buying resale, assuming at least one Singapore Citizen (a PR household is shown $10k lower). Singles and second-timers differ; confirm with HDB.
Found a place? See its fair-value verdict, then track it and its day-1 cash in your journey.
Decision-support, not financial, legal, tax or estate-agency advice. Figures are estimates using public MAS / IRAS / HDB rules (TDSR 55%, MSR 30% for HDB/EC, LTV 75% / 45% / 35% by outstanding home-loan count, reduced to 55% / 25% / 15% when the loan crosses the long-tenure limits, a 4% stress rate, max tenure 30y private / 25y HDB capped at age 65, BSD/ABSD schedules from 2023). Your actual loan, eligibility and grants depend on bank assessment, HDB/IRAS confirmation and your full circumstances. Confirm before you commit.