This fully furnished 4A HDB flat sits on a low floor at 105 Pasir Ris Street 12, offering 1,162 sqft of living space with 3 bedrooms and 2 bathrooms. The unit was completed in 1988 under a 99-year lease. The location places residents close to Pasir Ris Park, which features a 6km beach, barbecue pits, a mangrove boardwalk, cycling paths, and kayaking facilities. Downtown East, Wild Wild Wet, and White Sands Shopping Centre are all nearby, along with the newer Pasir Ris Mall. Multiple supermarkets including NTUC FairPrice, Cold Storage, Giant, and Sheng Siong are within reach. Dining options span hawker centres, seafood, Japanese, Spanish, and Western cuisine. Five schools are located within 1km: Casuarina Primary, White Sands Primary, Pasir Ris Primary, Loyang View Secondary, and Dunman Secondary. Pasir Ris Polyclinic and Sports Centre are also nearby. The low-floor position offers practical benefits including no elevator dependency, natural cooling with reduced sun exposure, easier furniture delivery, and suitability for residents with mobility needs. The Cross Island Line interchange at Pasir Ris is expected by 2030, and the existing MRT connects to the CBD in approximately 45 minutes.
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Monthly repayment + total upfront — Singapore BSD/ABSD included.
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Monthly repayment$2,272
↳Principal$948
↳Interest$1,323
Loan amount$453,750
Down payment$151,250
↳Min. cash (5%)$30,250
↳CPF OA usable$121,000
Buyer's Stamp Duty (BSD)$12,750
Upfront cash + CPF needed$164,000
Total interest over loan$227,724
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.