Disclaimer

Disclaimer

Last updated: 22 October 2026

What our calculators do

The Home Loan Calculator, Option Analysis, and Sale Proceeds calculators on this site estimate figures such as maximum loan amounts, comparative property returns, and net sale proceeds, based on rules published by the Monetary Authority of Singapore (MAS), the Housing & Development Board (HDB), and the Central Provident Fund (CPF) Board, as we understand them at the time each calculator was last checked.

Why the numbers may differ from your actual outcome

• Lending rules, interest rates, income ceilings and stamp duty rates change from time to time. A tool may not yet reflect the latest published figures.
• Banks and HDB apply their own underwriting checks, which can differ from the general rules a calculator applies.
• Your actual loan quantum, sale proceeds or investment return depends on figures specific to you, such as your credit history, your bank's internal policies, and the final transacted price, none of which a general calculator can know in advance.

Valuation tools (HDB and private property)

The HDB Valuation and Private Property Valuation tools produce statistical estimates from past transaction data. They are not valuations by a licensed valuer, are not an appraisal for lending, sale or any legal, tax or accounting purpose, and are not an offer, quote or guarantee of any price.

• An estimate cannot see your unit's facing, view, renovation, condition, exact floor or any special circumstance, and it can be materially higher or lower than what your property sells or is valued for.
• Banks, HDB and valuers use their own methods and may reach a different figure. HDB only issues an official valuation after an Option to Purchase has been granted.
• Private property figures use transaction data from the Urban Redevelopment Authority (URA), which is published with a delay and may be incomplete or contain unusual transactions. PropLeh is not affiliated with or endorsed by URA, HDB or any government agency.
• The confidence level and price range describe how closely past sales agree. They are not a statistical guarantee that the actual price will fall within the range.
• Information you enter into the valuation tools is processed in your browser and is not stored by PropLeh. Only the name of the project or block you choose is used to look up public data.

No liability

PropLeh provides these tools free of charge and makes no warranty, express or implied, as to their accuracy, completeness or fitness for any particular purpose. You use them at your own discretion. To the fullest extent permitted by law, PropLeh is not liable for any loss or damage arising from reliance on a figure shown by these tools.

Before you rely on a number

Confirm your maximum loan with a bank or, for an HDB loan, through an HDB Flat Eligibility (HFE) letter. Confirm sale proceeds against HDB's or your lawyer's completion statement and the CPF Board's final refund computation. If you are unsure, speak with a licensed financial adviser, a property agent, or the relevant government agency directly.