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New Executive Condominium (EC) Eligibility & Affordability Calculator

Screen the key conditions for buying a new EC directly from a developer and estimate an indicative purchase ceiling using income, debts, loan assumptions, cash and CPF. This is a planning estimate, not an HDB or bank approval.

New EC from developer S$16k / S$18k project-based ceiling MSR 30% · TDSR 55% Policy basis: 8 Sep 2026

Check Your Preliminary Position

The result separates obvious eligibility issues from matters that still require official verification.

Scope: This calculator is for a new EC bought directly from a property developer. It is not designed for a resale EC.
1. Applicant & eligibility profile

Complete all required fields. Applicant and core-occupier details can affect the official outcome.

Joint Singles applicants must each be at least 35.
For joint borrowers, the lender may use an income-weighted average age. Confirm the applicable age with the lender.
Use the total income that must be included in the EC application.
HDB raised the ceiling for new EC sites with tenders closing on or after 24 August 2026. Existing projects may remain at S$16,000.
This can include a flat bought from HDB, a DBSS/EC from a developer, or a resale flat bought with CPF housing grant.
Include local and overseas private residential property interests.
For current EC land sales, HDB generally permits the household to have an interest in no more than one non-residential property.
2. Financing assumptions

The estimate applies the lower of the 30% MSR limit and remaining 55% TDSR headroom, using at least a 4.0% assessment rate.

Exclude the proposed EC loan. Include existing property, car, study, credit and other monthly debts.
The higher of this rate and 4.0% is used.
Loan tenures above 30 years fall into a lower LTV tier.
If selling your sole existing home, ask the lender whether an undertaking or relief changes the LTV treatment.
Keep your emergency savings separate from this figure.
Subject to CPF housing usage rules.
Adjust for legal, valuation, loan and administrative costs. BSD is estimated separately.
Awaiting input

Complete the required fields, then click Calculate EC Estimate.

Important planning note: A “no obvious blocker” result is not confirmation of eligibility. Official HDB/developer assessment, lender approval, the exact family nucleus, income treatment, property interests, CPF limits, grants, resale levy and transaction documents remain decisive.
UProperty.sg provides general educational and property-planning information. Results are estimates based only on the values entered and assumptions stated here. They are not financial, legal, tax, credit or eligibility advice and do not constitute a loan offer or approval. Verify all material facts with HDB, CPF Board, IRAS, your financial institution and your legal adviser before committing.

Next Step: Review Your EC Purchase Strategy

Executive Condominium purchases involve multiple policy considerations including income ceiling, housing eligibility, loan assessment, and CPF usage. If you would like to review your situation objectively, you may start a conversation below.

Start a Property Conversation Explore Property Guides More Property Calculators

Related UProperty Tools

TDSR Calculator

Review total debt servicing before relying on any affordability estimate.

LTV Calculator

Understand financing structure and how loan assumptions can affect downpayment planning.

BSD / ABSD Calculator

Estimate buyer transaction costs alongside your EC budget planning.

HDB Upgrader Guide

Useful for households assessing sale timing, CPF refund effects, and next-step housing strategy.

Official References

HDB: New EC Eligibility

Official conditions for scheme, age, citizenship, project income ceiling, property interests, subsidies and wait-out periods.

HDB: EC CPF Housing Grant

Check whether a grant of up to S$30,000 may apply. No grant is included in this estimate.

MoneySense: MSR, TDSR & LTV

Singapore Government financial-education guidance on affordability and housing-loan limits.

CPF Housing Usage Calculator

Estimate the CPF OA amount that may be used for the property.

IRAS BSD Guide

Official residential Buyer’s Stamp Duty rates used by this calculator.

IRAS: New EC ABSD Remission

ABSD is fully remitted when the stated conditions are met and HDB approves the acquisition.

Key Questions to Verify

  • Does this project use the S$16,000 or S$18,000 income ceiling?
  • Can I buy an EC if I previously owned private property?
  • How does the 30-month wait-out rule affect EC planning?
  • What is the difference between TDSR and MSR?
  • How much cash is usually needed even when CPF is available?
  • What should an HDB upgrader review before committing?
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