The Fifth C

Condo & Private Property Calculators

For anyone who wants a condo but isn't sure how much cash, CPF, loan, and income it actually takes. No MSR here — condos run on TDSR and loan-to-value limits instead, and the numbers add up differently from an HDB flat.

Condo Affordability Calculator

What condo can you actually afford? TDSR, LTV by loan count, BSD/ABSD, and the cash/CPF split — all in one place.

HDB vs Condo — What Actually Changes

HDB flat

  • HDB loan (2.6%) or bank loan
  • MSR (30%) + TDSR (55%)
  • Up to 80% LTV (HDB loan)

Condo / private property

  • Bank loan only — no HDB loan option
  • TDSR (55%) only — no MSR
  • LTV 75%/45%/35% by outstanding loan count

See HDB Affordability for the flat-side numbers.