HDB → Condo · Safety Meter
Can you actually afford the upgrade?
Bank approval is easy. Surviving the payments is the real test.
·Scoring reflects TDSR, MSR and LTV rules current on this date
Step 01 · Who’s buying
Tell us about yourself.
Applying with a spouse?
Owner 01
Buyer 1
Car loans, credit card minimums, etc.
Actively contributing to CPF?
Salaried employment with CPF deductions
Liquid cash you’ll add toward the purchase.
Beyond the meter
Want a personalised plan?
This meter is a snapshot. The full strategy — timing, pledging options, asset selection — takes a 15-min call.
Book a Roadmap CallCalculations follow MAS Notice 645 (TDSR 55%), CPF Board Ordinary Account rates by age band, and IRAS Buyer's Stamp Duty tiers. Loan eligibility is stressed at 4% per MAS floor. Default mortgage rate is 1.5% (prevailing). Tenure is capped at 30 years with income-weighted average age for joint applicants. For planning only — actual approval depends on credit history, valuation, and underwriting. Full disclaimer.