This well-maintained 4-room HDB flat (84 sqm / 904 sqft) sits on a high floor at 109 Bishan Street 12, offering excellent natural light and ventilation. The unit has been beautifully renovated and is in move-in condition, making it suitable for families, first-time buyers, or anyone seeking a hassle-free purchase. The layout is functional and efficient. Located just a 7-minute walk from Bishan MRT Interchange (NS17/CC15), residents enjoy easy access to major expressways, Junction 8 shopping mall, supermarkets, eateries, and other daily conveniences. The property falls within 1 km of several reputable schools including Guang Yang Primary School, Kuo Chuan Presbyterian Primary School, and Catholic High School. No ethnic quota restrictions apply.
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Monthly repayment + total upfront — Singapore BSD/ABSD included.
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Monthly repayment$2,816
↳Principal$1,175
↳Interest$1,641
Loan amount$562,500
Down payment$187,500
↳Min. cash (5%)$37,500
↳CPF OA usable$150,000
Buyer's Stamp Duty (BSD)$17,100
Upfront cash + CPF needed$204,600
Total interest over loan$282,302
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.
