This modified 3NG HDB flat sits on a high floor in a quiet corridor position at 346 Ang Mo Kio Avenue 3. The unit comprises two bedrooms, two bathrooms, and a utility room at the rear. It is in original condition, offering good potential to reconfigure the layout. The main door faces south. The lease commenced in 1978, with approximately 51 years remaining. Convenience is a strong suit here — a sheltered walkway leads to Ang Mo Kio MRT (about a 6-minute walk), which is slated to become an interchange by 2030 when the Cross Island Line opens. A bus stop directly outside serves eight bus routes, including services to the airport. Nearby amenities include FairPrice Xtra (~400m), Giant (~500m), AMK Hub (~400m), a coffee shop and row of shops at Blk 347 (~180m) and Blk 339 (~400m), and Teck Ghee Court Market and Food Centre (~600m). Fitness options nearby include ActiveSG Sport Park @ Teck Ghee, Anytime Fitness, and Fitness First, plus a playground within the same block. Bishan-Ang Mo Kio Park is also accessible. Within 1km primary schools include Jing Shan Primary and Teck Ghee Primary. Ai Tong School, CHIJ St. Nicholas Girls' School, and Catholic High School are within 1–2km. Pre-school options include My First Skool, PCF Sparkletots, and MOE Kindergarten @ Jing Shan. All races are eligible. No extension of stay is required.
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Monthly repayment + total upfront — Singapore BSD/ABSD included.
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Monthly repayment$1,802
↳Principal$752
↳Interest$1,050
Loan amount$360,000
Down payment$120,000
↳Min. cash (5%)$24,000
↳CPF OA usable$96,000
Buyer's Stamp Duty (BSD)$9,000
Upfront cash + CPF needed$129,000
Total interest over loan$180,673
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.