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Buy A HomeStep 4 of 7Next: How Much Will Our Wedding, Reno And BTO Cost?

When Are My BTO Payments Due?

BTO Payment Timeline

Enter your flat, loan, savings and dates. See each BTO payment by month, and how much must be cash.

New to this? Read The Short Guide First →

Page updated · HDB rules checked 30 September 2026

1 Your Numbers

Your Flat

Sets your Enhanced CPF Housing Grant (EHG). HDB decides if you qualify.

Your Loan

HDB tells you at booking if you can stagger or defer.

HDB loans are 2.6% now. For a bank loan, use your quote.

Your Money Today

The part of your CPF contributions that goes to OA, both of you.

Optional. With an HDB loan, each buyer may keep up to S$20,000.

Your Dates

HDB invites you to sign within 9 months of booking.

Only if you chose a signing month.

Use your project’s estimated completion date from HDB.

Only if you chose a key collection month.

Add Wedding And Renovation (Optional)

We treat wedding and renovation bills as cash. Plan the whole budget in the Wedding + Reno + BTO Planner.

We work this out in your browser.

2 Your Result

Cash and CPF you need by key collection

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Downpayment (Incl. Option Fee)
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Stamp Duty And Fees
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Paid From CPF OA
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Paid In Cash
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Housing Grant (EHG)
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Home Loan
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Month By Month

    After You Get Your Keys

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    What This Estimate Assumes

    Estimate only. Uses HDB’s downpayment, fee and loan rules for a new flat, checked on 30 September 2026. We assume HDB acts for you in the purchase, and in the loan if you take an HDB loan. Your grant goes into CPF OA at key collection. HDB decides if you get a grant. We leave out CPF interest, resale levy, fire insurance, the Home Protection Scheme and bank lawyer fees. Your HDB letters and your bank set the real amounts and dates.

    3 What Next

    Step 5 of 7 in Buy A HomeHow Much Will Our Wedding, Reno And BTO Cost?Wedding + Reno + BTO Planner →Read The GuideWhen Are BTO Payments Due, And How Much Must Be Cash? →
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    Before You Use This Number

    Can I Use CPF For Every Payment?

    No. The option fee is cash. Bank loans need at least 5% or 10% of the price in cash. The rest can come from CPF OA if you have enough.

    When Does My Grant Arrive?

    We assume the EHG goes into your CPF OA at key collection. So here it does not help with the payment when you sign.

    What Is The Staggered Downpayment Scheme?

    It splits the downpayment: part when you sign, the rest at key collection. HDB tells you at booking if you qualify.