Rent vs Buy an HDB Flat in Clementi (2026)
In Clementi, a 4 room HDB flat rents for about $3,900/month. Buying one (median $849,888) works out to roughly $2,892/month on an HDB loan (2.6%) or $3,191/month on a bank loan (3.5%), both 25-year with 25% down. The monthly mortgage is lower than the rent, and unlike rent part of it builds equity.
Rent vs buy by flat type in Clementi
| Flat type | Rent /mo | Median price | HDB loan /mo | Bank loan /mo |
|---|---|---|---|---|
| 2 Room | $3,000 | $423,000 | $1,439 | $1,588 |
| 3 Room | $3,000 | $430,000 | $1,463 | $1,615 |
| 4 Room | $3,900 | $849,888 | $2,892 | $3,191 |
| 5 Room | $4,100 | $1,062,000 | $3,613 | $3,987 |
| Executive | $4,400 | $1,051,500 | $3,578 | $3,948 |
What the monthly comparison leaves out
Monthly cost is only half the picture. Rent is money gone. A mortgage payment partly repays principal, so owners recover some of it on sale. But an HDB flat is a 99-year lease that loses value to lease decay (modelled on Bala's Table) and moves with the resale market. CheckHowMuch projects both for any block, so check the Clementi block pages for the lease-decay and appreciation outlook before deciding, and Clementi rental prices for the full rent picture.
The mortgage figures assume a 25-year loan with 25% down (payable via CPF). They exclude stamp duty, legal fees, renovation, monthly service & conservancy charges, and property tax, and they lock up a large down payment that renting leaves free. Estimates only, not financial advice.
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Frequently Asked Questions
Is it cheaper to rent or buy a 4 room in Clementi?
In Clementi, a 4 room HDB flat rents for about $3,900/month. Buying one (median $849,888) works out to roughly $2,892/month on an HDB loan or $3,191/month on a bank loan, both 25-year with 25% down. The monthly mortgage is lower than the rent, and unlike rent part of it builds equity.
How much is the monthly mortgage for an HDB flat in Clementi?
For a median 4 room ($849,888), the estimated monthly repayment is about $2,892 on an HDB concessionary loan (2.6%) or $3,191 on a bank loan (3.5%), assuming 25 years and 25% down.
Does buying an HDB flat build equity?
Part of each mortgage payment repays the loan principal, which builds equity, unlike rent. But an HDB flat is a 99-year lease that loses value to lease decay over time, so equity gains can be offset, especially on older flats with shorter leases.
What's not included in these mortgage estimates?
The estimates exclude stamp duty, legal and valuation fees, renovation, monthly service & conservancy charges, and property tax. They assume you qualify for the stated loan. Figures are illustrations, not financial advice.
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