Your first BTO, thoughtfully planned
BTO Down Payment
Calculator.
From ballot to keys, know exactly what you'll pay — and when. Plan your option fee, lease signing and key collection, split clearly by cash and CPF.
The first set of keys
Where your story begins.
- Down payment
- 25%of the flat price
- Loan financing
- Up to 75%HDB or bank loan
- HDB loan rate
- 2.6%0.1% above CPF OA
- Payment milestones
- 4booking to keys
The payment planner 01 / Your numbers
Your inputs stay in your browser
Make it yours.
A few details. A much clearer picture.
Use the price in your HDB flat offer, before grants.
Eligible first-timers: 2.5% at lease signing, the rest at key collection.
Big decision. Human advice.
Talk through your options, without obligation.
Your BTO, at a glance
Live estimateFunds to plan for before your loan starts
$120,600
25% down payment + buyer's stamp duty. All figures in SGD.
- Cash needed
- $60,600
- Across all milestones
- CPF & grants
- $60,000
- From your OA savings
- Monthly instalment
- $1,531
- HDB loan · 2.6% · 25 yrs
Four payments to your keys.
HDB loan · Flat price $450,000
- 01
Book your flat
Day 1 · cash only
$2,000
$2,000 cash
- 02
Sign the Agreement for Lease
~4 months later · 10.0% of price
$45,000
$43,000 CPF
- 03
Pay Buyer's Stamp Duty
Within 14 days of signing
$8,100
$8,100 CPF
- 04
Collect your keys
~3–4 years later · 15.0% of price
$67,500
$58,600 cash · $8,900 CPF
The Agreement for Lease is 10.0% of the flat price (less the option fee) and key collection is the remaining 15.0% — together making up the 25% down payment required at 75% LTV. Timings are typical planning estimates; HDB confirms actual dates in your flat offer.
This is a planning estimate, not a loan offer. The assumed 75% loan is subject to HDB or bank approval, MSR and TDSR limits, and your eligibility. Compare HDB vs bank loans
How the BTO payment timeline works
The chart above walks through the three stages: pay the option fee in cash at flat booking, then 10% of the price (2.5% under the Staggered Downpayment Scheme) less the option fee — plus Buyer's Stamp Duty and legal fees — at the Agreement for Lease roughly 4 months later, and the remaining balance at key collection when your loan starts.
HDB loan or bank loan for your BTO?
The choice affects both how much cash you need and your monthly instalment. Compare your options with the HDB loan calculator, and remember that CPF-funded HDB loans require Home Protection Scheme coverage.
Good to know
Frequently asked questions
Free consult
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Bring these results to a 15-minute call. We'll confirm your eligibility and shortlist the sharpest bank packages for your situation — no obligation.
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