Question 1

How much cash do I need for an HDB BTO flat?

Accepted Answer

The cash needed depends on the flat price, payment schedule, signing and key collection dates, salaries, CPF OA balances and other costs. SGBohLui combines these inputs into one planning estimate.

Question 2

Can CPF OA be used for BTO payments?

Accepted Answer

The calculator estimates the CPF OA available at each payment phase and applies it only to eligible costs. It does not confirm CPF usage limits or a withdrawal application.

Question 3

Does the BTO calculator include renovation costs?

Accepted Answer

You can add renovation and other expected costs under Other costs, choose when they are due, and identify whether they can be paid with CPF OA.

HDB BTO downpayment and cash calculator