Your independent HDB guide

Where are you on your HDB journey?

We'll guide you to exactly what you need. No agents, no ads, just answers backed by official data.

Aerial view of Singapore HDB housing estate showing public housing blocks surrounded by greenery 100% independent

First-Time Buyer

BTO applications, resale process, grants you qualify for, and loan options explained in plain English.

Ready to Upgrade

HDB to condo? Know your numbers first.

Selling My Flat

Valuation, MOP rules, CPF refunds, and cash proceeds.

Downsizing for Retirement

Lease Buyback, Silver Housing Bonus, and right-sizing options.

Living in My HDB

Renovation guides, insurance, parking, and maintenance tips.

Quick answers

Most people ask...

The five questions we hear every single day.

Yes, PRs can buy resale HDB flats (not BTO). You need to form an eligible family nucleus -- typically married to another PR or Singapore Citizen. Single PRs cannot buy HDB. There's a 3-year wait after getting PR status before you can purchase. Read the full PR buying guide →
When the lease expires, the land and flat revert to the state. There is no compensation. The flat's value declines as the lease shortens -- called lease decay. Most banks won't lend for flats below 30 years remaining, and CPF usage is restricted below 60 years. Understand lease decay in full →
HDB loan: 15% downpayment (can be fully CPF). Bank loan: 25% (5% must be cash). Example: $500,000 flat with HDB loan = $75,000 down. Same flat with bank loan = $25,000 cash + $100,000 CPF. See the full breakdown →
HDB loan: 2.6% fixed rate, lower downpayment (15%), no early repayment penalty. Bank loan: variable rates (~3.5-4%), higher downpayment (25%), possible penalties. HDB loan is safer. Bank loan can save money if rates stay low, but carries interest rate risk. See the side-by-side comparison →
Main grants: Enhanced CPF Housing Grant (up to $80,000), Family Grant ($50,000 for resale), Proximity Housing Grant ($30,000 near parents). Eligibility depends on income, first-timer status, flat type, and citizenship. Use our Grant Checker for a personalised answer →
Browse all 45+ questions

Interactive tools

Tools that do the thinking for you

Instant answers. No sign-up. All calculations based on current HDB and CPF rules.

Flat Valuation

What's your flat worth right now? Based on recent comparable sales in your block and estate.

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Loan Calculator

HDB loan vs bank loan side by side. See monthly repayments, total interest, and CPF-cash split.

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Grant Checker

Answer 4 questions, find out exactly which grants you qualify for and how much you'll get.

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Affordability

How much flat can you actually afford? Input your income, savings, and CPF to find your budget.

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CPF Refund

How much CPF must you return when selling? See principal plus accrued interest at 2.5%.

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MOP Checker

When can you sell? Enter your key collection date and get your exact MOP end date.

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Stamp Duty

Calculate BSD and ABSD instantly. Rates differ for citizens, PRs, and foreigners.

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Lease Decay

How does remaining lease affect value? See projected worth at 60, 40, and 20 years left.

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Market snapshot

The Numbers Right Now

Real data, updated regularly from data.gov.sg and HDB.

$520,000
↑ 2% from last quarter

Median resale price for a 4-room flat last quarter. Mature estates like Queenstown and Bishan trade significantly higher.

Source: data.gov.sg HDB Resale Flat Prices

13,480
flats reaching MOP in 2026

That's a lot of new supply hitting the resale market. Sengkang, Punggol, and Tampines lead the numbers.

Source: HDB MOP data analysis

Jun 2026
next BTO launch

Approximately 6,900 flats across multiple towns. Application opens online via HDB's flat portal.

Source: hdb.gov.sg

Explore by location

Town Explorer

27 HDB towns, each with real price data, amenities, and honest assessments.

Ang Mo Kio
from $380k
8 MRT • 12 schools
Bedok
from $390k
5 MRT • 15 schools
Bishan
from $450k
3 MRT • 8 schools
Bukit Batok
from $370k
2 MRT • 9 schools
Bukit Merah
from $400k
6 MRT • 7 schools
Bukit Panjang
from $350k
3 LRT • 8 schools
Bukit Timah
from $500k
4 MRT • 6 schools
Central
from $450k
10 MRT • 5 schools
Choa Chu Kang
from $350k
3 MRT • 10 schools
Clementi
from $420k
2 MRT • 7 schools
Geylang
from $370k
5 MRT • 4 schools
Hougang
from $380k
3 MRT • 11 schools
Jurong East
from $380k
3 MRT • 6 schools
Jurong West
from $360k
2 MRT • 14 schools
Kallang / Whampoa
from $400k
6 MRT • 5 schools
Marine Parade
from $450k
2 MRT • 4 schools
Pasir Ris
from $400k
2 MRT • 8 schools
Punggol
from $420k
2 MRT • 9 schools
Queenstown
from $450k
4 MRT • 5 schools
Sembawang
from $350k
1 MRT • 6 schools
Sengkang
from $400k
4 LRT • 12 schools
Serangoon
from $420k
3 MRT • 7 schools
Tampines
from $400k
4 MRT • 13 schools
Tengah
from $350k
3 MRT • 4 schools
Toa Payoh
from $400k
3 MRT • 6 schools
Woodlands
from $340k
4 MRT • 16 schools
Yishun
from $350k
3 MRT • 12 schools
Data from data.gov.sg
No agent sales, ever
Always current, always free