Property · financial and metaphysical guide
Buy a home in Singapore without the financial stress
Five free steps: know your budget, count the cash, plan the loan, test it, then choose a home that feels right. Every calculator runs in your browser.
The buyer's journey
- Know your budgetFind the highest price the rules allow and a comfortable price for your income.
- Count the cashDownpayment, cash over valuation, stamp duty, fees and renovation.
- Plan the loanCompare HDB and bank loans and see the total interest.
- Test itCheck rate rises, buffer months and one income stopping.
- Choose the homeScore the flat’s feng shui with Home Harmony and check your Kua directions.
The comfort rule
The rules tell you the most a bank may lend. Comfort is lower. Aim for all three:
- Instalment within 25% of gross household income.
- At least 6 months of instalments and expenses in cash after buying.
- Loan fully paid by age 65.
Calculators
Singapore rules at a glance
| Total Debt Servicing Ratio (TDSR) | 55% of gross income, all property loans |
|---|---|
| Mortgage Servicing Ratio (MSR) | 30%, HDB flats and new ECs |
| Stress-test rate | At least 4% (bank), 3% (HDB loan) |
| HDB loan | 2.6% a year, up to 75% LTV, up to 25 years |
| Bank loan LTV | 75% / 45% / 35% for 0 / 1 / 2+ other loans |
| Buyer’s stamp duty | 1% to 6% in tiers |
| ABSD, Singapore Citizen | 0% first, 20% second, 30% third |
| Enhanced CPF Housing Grant | Up to S$120,000 (families), S$60,000 (singles) |
As of .
Why feng shui belongs in the plan
Once the numbers work, many Singapore buyers still ask: does this home feel right? Mingli Atlas offers a free Home Harmony score from the door facing and your Kua number, so you can compare shortlisted flats calmly. Treat it as a cultural guide for comfort, not as a reason to stretch your budget.
Open Home Harmony · Find my Kua directions · Feng shui guide
Property articles
- TDSR vs MSR explained: how Singapore limits your home loanTDSR caps all your debts at 55% of income; MSR caps an HDB or EC loan at 30%. What each means, who it applies to, and a worked example.
- HDB loan vs bank loan in 2026: which should you choose?Compare the HDB loan (2.6%, 75% LTV) with a bank loan (75% LTV, 5% cash, floating rates): costs, flexibility, eligibility and who each suits.
For information only. Not financial, property or legal advice.