The Enhanced CPF Housing Grant is worth up to S$120,000 for eligible first-timer families, not every buyer. HDB’s 75% loan-to-value cap, repayment term and HFE assessment determine what remains to be funded.

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Singapore / Housing Finance & Household Debt

Singapore’s 55% TDSR and 30% MSR: why your mortgage budget can be smaller than you expect

The two ratios cover different debts, and the bank’s interest-rate assessment can matter even when advertised mortgage rates look lower. Read the actual rules before comparing home prices.

2026-10-15 · 25 min read

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Singapore: the numbers behind policyWhat the rules establish

Singapore issue briefings

Singapore HDB flat finances in 2026: the 75% loan limit, 2.6% rate and housing grants explained

Singapore’s 55% TDSR and 30% MSR: why your mortgage budget can be smaller than you expect

Different countries. Different questions.

Headlines tell you what happened.We ask why.

Singapore: the numbers behind policy
What the rules establish

Headlines tell you what happened.
We ask why.