Budgets come first, floor plans second. Here is what each budget band could buy at One Chuan Grove, using an indicative $2,700 – $3,000 psf (for illustration only), and roughly what you need to qualify.
Budget bands at a glance
| Budget | Likely unit type | Approx. size | Income needed* | Cash + CPF needed** |
|---|---|---|---|---|
| ~$1.6M – $2.1M | 2-Bedroom / 2+Study | ~581 – 710 sqft | ~$10,500 – $13,500 | ~$450,000 – $600,000 |
| ~$2.2M – $3.0M | 3-Bedroom / 3+Flexi | ~807 – 1,001 sqft | ~$14,000 – $19,500 | ~$630,000 – $870,000 |
| ~$2.9M – $4.1M | 4-Bedroom | ~1,076 – 1,356 sqft | ~$19,000 – $26,000 | ~$840,000 – $1.2M |
| ~$4.2M+ | 5-Bedroom | ~1,561 sqft | ~$27,000+ | ~$1.25M+ |
*Combined gross monthly income for a 75% loan over 30 years at the 4% TDSR stress rate, with no other debts. **25% down payment plus Buyer’s Stamp Duty. Estimates only.
How to read this table
- Income decides your maximum loan.
- Cash + CPF decides whether you can pay the 25% down payment and stamp duty.
- You need both. Many upgraders have enough income but are limited by cash and CPF, or the other way round.
Stretch or stay comfortable?
A useful rule: keep your actual monthly instalment, at your bank’s package rate, below about 30 – 35% of take-home income. The 55% TDSR is a regulatory ceiling, not a comfortable target.
Choosing between two bands
- 2+Study vs compact 3-bedroom: if you have one child and plan for another, the 3-bedroom is usually worth stretching for. It is also the most liquid size at resale.
- Large 3-bedroom vs small 4-bedroom: compare the layouts. A well-designed 1,000 sqft 3-bedroom can live better than a tight 4-bedroom.
Use the affordability calculator, then browse the floor plans.