A 3-bedroom, 2-bathroom HDB flat spanning 882 sqft is available for sale at 119 Ang Mo Kio Avenue 3. The unit is a modified 3NG flat that was completed in 1977 under a 99-year lease. It comes unfurnished and features air conditioning, a modern kitchen, built-in wardrobes, and spacious living areas. The property is well-connected, with Ang Mo Kio MRT station approximately 1.5 km away and Mayflower MRT station about 1.7 km away. Nearby schools include Ang Mo Kio Secondary School (0.8 km) and Yio Chu Kang Secondary School (1.5 km). Grocery options include FairPrice Finest Ang Mo Kio (1.1 km) and Giant Supermarket at Ang Mo Kio Street 31 (0.5 km). Shopping and dining are available at AMK Hub (1.2 km) and Djitsun Mall (1.5 km).
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Monthly repayment + total upfront — Singapore BSD/ABSD included.
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Monthly repayment$1,765
↳Principal$737
↳Interest$1,028
Loan amount$352,500
Down payment$117,500
↳Min. cash (5%)$23,500
↳CPF OA usable$94,000
Buyer's Stamp Duty (BSD)$8,700
Upfront cash + CPF needed$126,200
Total interest over loan$176,909
The minimum-cash portion above must be paid in cash; the rest of the down payment can come from your CPF OA. BSD/ABSD is usually paid in cash first, then reimbursable from CPF OA — subject to your available OA balance.
Indicative only. Actual rates, TDSR caps, MSR (for HDB), and bank approvals will vary. Consult a mortgage broker.
