A rare opportunity to own one of only 285 HDB terrace houses island-wide, this 2-storey unit at Blk 40 Jalan Bahagia offers a genuine landed lifestyle under an HDB title. The property features its own front gate, private entrance, and direct street access — no shared lift lobbies or high-rise corridors. The land area is approximately 980 sqft, with an expanded built-up of around 1,400 sqft. The layout is regular and squarish with dual frontage, allowing good natural light and cross-ventilation. A charming front porch can serve as an alfresco area or private garden. An estimated S$100,000 renovation has been carried out. There are no private estate maintenance fees. Located in District 12, the property enjoys swift access to the PIE and CTE expressways, and is minutes from Boon Keng MRT (NE Line) and Toa Payoh MRT (NS Line). Nearby amenities include Whampoa Makan Place, Balestier eateries, Shaw Plaza, and the Whampoa Park Connector. Open-air HDB season parking is available at the doorstep. Lease commenced 1 July 1972 with a 99-year tenure; approximately 45 years of lease remaining. Open to all races and Singapore PRs.
Property details
Tenure
99-year Leasehold
Remaining lease
≈ 45 years
Lease commencement
1972
Built / TOP
1972
Furnishing
partial
Media
Floor plan
Amenities
Air conditionerBalconyModern kitchen furnishingCar park
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Monthly repayment + total upfront — Singapore BSD/ABSD included.
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Monthly repayment$4,806
↳Principal$2,006
↳Interest$2,800
Loan amount$960,000
Down payment$320,000
↳Min. cash (5%)$64,000
↳CPF OA usable$256,000
Buyer's Stamp Duty (BSD)$35,800
Upfront cash + CPF needed$355,800
Total interest over loan$481,796
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.