Kalkulator Pinjaman Pengubahsuaian HDB
Anggarkan pinjaman pengubahsuaian maksimum dan bayaran balik bulanan untuk flat HDB menggunakan ruang TDSR MAS. HDB tidak menerbitkan had pinjaman mengikut jenis flat.
HDB does not publish a renovation-loan quantum by flat type. This is for your records only and does not change the formula.
Used for the MAS TDSR 55% cap and, if you tick the optional bank product cap, for the 6× income limit.
Home-loan instalments, car loans, personal loans and other commitments already counting toward TDSR.
Leave at a positive amount to see that loan’s instalment, capped at the computed maximum. The max itself is shown separately.
Bank renovation loans are commonly 1–5 years. There is no official HDB renovation-loan tenure.
Enter the package rate your bank quotes (not a flat-rate marketing figure). There is no official HDB renovation-loan rate — default 4.88% is illustrative only.
This is a common bank renovation-loan product rule, not an HDB, MOM or MAS regulation. Leave unticked to use only the TDSR-based maximum.
Renovation loan estimate
HDB does not currently offer a published renovation-loan product with official caps by flat type. The TDSR-based maximum uses MAS’s 55% total-debt cap (16 Dec 2021). Bank product caps and rates vary. Not financial advice.
About this HDB renovation loan calculator
People searching hdb renovation loan calculator usually want two numbers: how much they can borrow to renovate an HDB flat, and what the monthly repayment looks like. HDB’s own InfoWEB no longer publishes a renovation-loan scheme with a quantum by 2-room / 3-room / 4-room type. This page therefore does not invent per-flat-type HDB caps. It uses the one official constraint we can verify: the Monetary Authority of Singapore Total Debt Servicing Ratio (TDSR) of 55% on property-related and other monthly debts.
Remaining TDSR headroom is 55% of gross monthly income minus existing monthly debts. That monthly room is converted to a principal with a standard reducing-balance formula over 1–5 years at the interest rate you enter. If that maximum is $80,000 on paper, a bank may still refuse it: dedicated renovation-loan products commonly cap at the lower of $30,000 and six times monthly income. That cap is a bank product rule (widely published on DBS/POSB pages), not an HDB or MAS notice, so it is an optional tick-box here.
There is also no official HDB renovation-loan interest rate. The 4.88% default is an illustration only — paste the effective or reducing-balance rate from your letter of offer. Flat-rate marketing figures understate the true cost; compare using effective interest rate (EIR) including handling fees.
HDB renovation still matters for permits, the Directory of Renovation Contractors, and using CPF only where HDB still allows it. Financing is from banks and finance companies, subject to credit assessment. This calculator does not replace a bank IPA.
Not legal or financial advice. Confirm TDSR treatment of your existing home loan with the lender. Figures dated in the source bar.
How to use it
- Enter monthly income and existing debts so TDSR headroom can be computed.
- Enter the amount you want and a tenure of 1–5 years.
- Set the annual reducing-balance rate from the bank, not a guessed HDB rate.
- Optionally tick the typical $30,000 / 6× income cap if you are modelling a standard bank renovation loan.
- Read max loan, the amount used, monthly repayment and total interest.
Key terms and concepts
TDSR 55% is MAS’s cap on total monthly debt obligations when a financial institution grants a property or related loan (last revised 16 December 2021).
Reducing-balance instalment is the same amortisation used on housing loans: interest each month is charged on the outstanding principal.
Typical bank product cap ($30,000 or 6× income) is not law. Untick it to see only the TDSR mathematical maximum.
Gap: no verified HDB renovation-loan table by flat type as of 30 Sep 2026.
Common use cases
- BTO owner pricing a $20,000 kitchen package over five years.
- Resale buyer checking whether a $30,000 loan still fits TDSR on top of the new mortgage.
- Comparing 3-year versus 5-year tenures on the same principal.
- Seeing how existing car and personal loans shrink renovation-loan headroom.
Examples
Example 1 — $5,000 income, $500 other debts, $20,000 wanted, 5 years at 4.88%. TDSR headroom is $5,000 × 55% − $500 = $2,250 a month, far above the instalment on $20,000, so the $20,000 loan fits. Total interest is the difference between 60 instalments and $20,000.
Example 2 — same inputs with the typical bank cap ticked. 6 × $5,000 = $30,000, so the product cap is $30,000. The wanted $20,000 still fits.
Example 3 — $3,000 income, $1,400 existing debts, 5 years at 4.88%, bank cap on. TDSR headroom is only $250 a month, which supports a much smaller principal than $30,000 — TDSR binds.
Example 4 — zero debts, $8,000 income, leave requested at $0. The tool shows the TDSR-based maximum (large) and, if you tick the cap, $30,000.
Important notes
No official HDB renovation-loan caps by flat type were found on HDB InfoWEB as of 30 September 2026. Older third-party tables of $20,000 / $30,000 by room type are omitted rather than guessed.
Not bank approval. Lenders assess credit bureau files, age, and contractor quotations.
HIP / EASE upgrading is a separate HDB cost-sharing scheme, not this loan.
Not financial advice. Compare EIR, handling fees and insurance across banks.
Frequently asked questions
Does HDB still offer a renovation loan?
HDB InfoWEB does not currently publish a renovation-loan product with official maximums by flat type. Financing is typically a bank renovation loan. This page estimates repayment and a TDSR-based maximum instead of inventing HDB caps.
What is the maximum renovation loan for an HDB flat?
There is no verified HDB per-flat-type cap. MAS TDSR can cap the monthly payment at 55% of income minus other debts. Many banks also cap the product at $30,000 or six times monthly income — optional on this page and not an HDB rule.
What interest rate should I enter?
Use the reducing-balance or effective rate from the lender. There is no official HDB renovation-loan rate. The 4.88% default is illustrative only.
How long can I take to repay?
Bank renovation loans are commonly 1 to 5 years. This tool uses that range because no official HDB tenure exists.
Does TDSR include my HDB mortgage?
Yes. Existing housing-loan instalments count toward the 55% TDSR. Enter them under existing monthly debts.
Can I use CPF for renovation?
CPF rules for renovation withdrawals have changed over time. This calculator models a cash/bank loan only. Check CPF Board and HDB for current withdrawal rules.
Is the $30,000 cap a MAS rule?
No. It is a common bank product cap. Leave the box unticked to see only the TDSR-based figure.
Is this official HDB or MAS advice?
No. Confirm product limits with the bank and TDSR treatment with MAS/the lender. Amounts and rates change.