Type

Units

Min Area

Price Range

3 BR

1302 sqft

S$878K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$878K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$176K on this acquisition.
Located 11 min (880 m) from EW23 Clementi MRT Station.

Housing Grants & Financing

Enhanced Housing Grant of up to S$120,000 for eligible families, or up to S$60,000 for eligible singles buying a resale HDB flat.
Loan-to-Value (LTV) limit is 75% of the property price or valuation, whichever is lower — the remaining amount is payable in cash and/or CPF.
Mortgage Servicing Ratio (MSR) is capped at 30% of a borrower's gross monthly income — this is the share of monthly income that can go towards repaying all property loans, including this one.
Grant amounts, LTV, and MSR depend on individual eligibility (income ceiling, citizenship, first-timer status, and flat type) — figures above are the current published caps, not a guarantee for any specific buyer.

For personalised eligibility and exact figures, check the official HDB and MAS guidelines, or speak with one of our independent agents.

Price Trends & Rental Yield

Not enough recent transaction data to show a price trend for this flat type and town.

Interested in this property?

Send a quick enquiry our Singapore Property team will reach out within 24 hours.

101 Clementi Street: A Mature HDB Development in a Thriving West Side Neighbourhood

101 Clementi Street stands as a well-established Housing and Development Board development located in one of Singapore's most accessible and family-friendly residential precincts. Situated in Clementi, the development benefits from decades of community infrastructure, making it an attractive choice for buyers seeking proven neighbourhood stability and comprehensive local amenities.

The Clementi area has developed into a vibrant mixed-use precinct characterised by reliable public transport connectivity, nearby educational institutions, and a diverse retail and dining landscape. Properties at 101 Clementi Street tap into this mature ecosystem, offering residents immediate access to daily conveniences and longer-term capital appreciation potential driven by sustained neighbourhood demand.

Location and Transport Accessibility

The development's proximity to EW23 Clementi MRT Station represents a significant advantage for commuters and daily convenience seekers. With the station situated approximately 880 metres away, residents enjoy a straightforward walking connection to the East-West Line, enabling efficient travel across the island to the city centre, business districts, and eastern nodes. This transport accessibility typically translates into broader buyer appeal and stronger rental demand for both owner-occupiers and investors.

The Clementi MRT station itself functions as a local transport interchange, with bus services extending coverage to surrounding neighbourhoods and connecting to secondary education, healthcare, and commercial nodes. For families and working professionals, this accessibility reduces commute friction and supports lifestyle flexibility—factors that consistently underpin both resale velocity and valuation in mature HDB estates.

Unit Typology and Layout Diversity

The development encompasses three-bedroom and two-bedroom configurations across multiple floor levels, accommodating varied household compositions and life-stage requirements. Three-bedroom units typically appeal to growing families and multigenerational households, whilst two-bedroom variants attract upgraders stepping down from larger private properties, young couples, and investors targeting the rental market segment.

Floor level selection within the development allows buyers to optimise views, natural ventilation, and privacy preferences. Lower floors often appeal to families with young children and elderly residents favouring reduced stair dependency, whilst mid-to-upper levels attract those prioritising light, views, and reduced noise exposure from street-level activity. This vertical diversity ensures the development caters to multiple buyer profiles simultaneously.

Pricing and Market Positioning

101 Clementi Street properties are positioned competitively within the broader Clementi HDB market, with transaction values reflecting the estate's maturity, transport connectivity, and established community infrastructure. Pricing typically ranges from approximately S$878,000 upwards depending on unit typology, floor level, and renovation condition, representing strong value relative to newer estates further from MRT stations or in less developed precincts.

Buyer acquisition costs include the standard HDB resale levy and, for non-first-time buyers acquiring a second residential property, Additional Buyer's Stamp Duty at 20% of the purchase price. These costs should be factored into the total investment when budgeting for acquisition, though the development's strong resale market typically compensates long-holding investors through capital appreciation over five to ten-year holding periods.

Investment Potential and Rental Dynamics

Investors considering 101 Clementi Street units benefit from consistent rental demand driven by the estate's MRT proximity and established amenity ecosystem. Three-bedroom units typically command stronger rental premiums among families relocating within Singapore or expatriates seeking stable, accessible accommodation. Two-bedroom units perform well in the young professional and downsizer segments, with rental yields in mature Clementi estates historically ranging between 3.5% and 4.5% depending on unit condition and leasing efficiency.

The development's appeal to multiple tenant profiles—families, professionals, and empty-nesters—reduces vacancy risk compared to estates in emerging precincts. Long-term capital appreciation in Clementi has historically reflected steady demand supported by MRT connectivity and continuous neighbourhood investment, though investors should acknowledge that HDB prices are ultimately governed by national demand, lease decay trends, and policy settings.

Neighbourhood Amenities and Lifestyle Integration

Clementi's maturity as a residential precinct is reflected in its comprehensive amenity offering. Nearby shopping centres, including Clementi Mall and The Clementi, provide retail therapy, dining, and services within short walking or driving distance. Educational institutions span primary, secondary, and tertiary levels, with several well-regarded schools situated throughout the precinct, making the development particularly appealing to families prioritising school accessibility.

Healthcare facilities, including polyclinics and private medical centres, are well-distributed throughout the neighbourhood. Recreation options encompass parks, sports facilities, and community centres that support active lifestyles. This density of community infrastructure has historically supported property valuations in Clementi, as buyers and tenants consistently reward developments situated within walkable distance of diverse daily conveniences.

Market Comparables and Competitive Positioning

Recent HDB resale transactions across Clementi have reflected strong pricing momentum, with comparable three-bedroom units trading between S$850,000 and S$920,000 depending on exact location, floor level, and condition. Two-bedroom units in the same estate typically range from S$650,000 to S$750,000. These price points reflect sustained demand driven by MRT connectivity, established amenity density, and reputation as a family-oriented precinct.

Compared to emerging HDB precincts further from MRT stations or in less mature neighbourhoods, 101 Clementi Street commands a justified premium reflecting transport accessibility and proven demand. Conversely, newer estates with fresher construction or upcoming MRT connectivity may offer lower entry points, though typically at the cost of reduced current amenity density and longer commute profiles for residents prioritising city-centre access.

Considerations for Different Buyer Profiles

First-time buyers appreciate 101 Clementi Street's transparency and regulatory framework, with HDB policies providing clarity on ownership rules, occupancy requirements, and resale eligibility. The development's established track record offers reassurance for buyers entering the property market for the first time, with transaction history providing benchmarking data for valuations and negotiation positioning.

Upgraders transitioning from smaller units or relocating within Singapore find the development's varied unit typologies and access to neighbourhood amenities well-aligned with step-up requirements. Investors benefit from consistent tenant demand driven by MRT proximity and affordability positioning relative to private residential alternatives. High-net-worth individuals may view the development as a diversification asset or as a stable core holding within a broader property portfolio, particularly if seeking exposure to the HDB market segment.

Financing, TDSR, and Mortgage Considerations

For properties transacted around the S$878,000 range, financing capacity depends on buyer income, existing debt servicing commitments, and lender assessment of Total Debt Servicing Ratio (TDSR). Typical maximum financing extends to 80% of valuation for HDB purchases, implying loan amounts around S$700,000 for units at this price point. This requires monthly household income of approximately S$13,000 to S$15,000 to comfortably meet TDSR thresholds at current interest rates, assuming minimal existing debt.

First-time buyers benefit from concessional TDSR calculations, potentially improving borrowing headroom. Second-property buyers should budget for the 20% Additional Buyer's Stamp Duty upfront, adding approximately S$175,600 to acquisition costs at the S$878,000 price point, substantially increasing total capital requirements beyond the property purchase itself. Early engagement with mortgage brokers and banks ensures realistic financing planning and avoids overcommitment relative to cash reserves and annual income.

Lease Tenure and Resale Value Dynamics

HDB units at 101 Clementi Street carry 99-year leasehold tenure from the point of original construction. For newly transacted units in the development, remaining lease is substantial, typically ranging from 88 to 95 years depending on the unit's specific allocation timeline. Whilst 99-year leases provide decades of secure occupancy, buyers should be cognisant that lease decay—the reduction in market value as the lease term shortens—becomes increasingly material as units age beyond the 60-year mark.

For current buyers, lease decay represents a long-term consideration rather than an immediate valuation pressure. However, investors holding units for 20+ years should acknowledge that future resale values will reflect lease shortening relative to newer estates. This dynamic supports the case for viewing HDB purchases as long-term owner-occupier holdings rather than speculative trades, with capital appreciation driven by demand fundamentals rather than lease extension opportunities (which remain uncertain pending government policy evolution).

MRT Proximity and Long-Term Capital Appreciation

The proximity to EW23 Clementi MRT Station has historically been a primary driver of capital appreciation across the Clementi HDB estate. Properties within 800 to 1,000 metres of MRT stations consistently outperform those situated further afield, reflecting buyer preference for transport accessibility and reduced commuting friction. This dynamic is unlikely to reverse, as urban planning trends and transport-oriented development policies continue to prioritise MRT-adjacent precincts.

Long-term capital appreciation in 101 Clementi Street should be contextualised against broader HDB market dynamics, which reflect national demand, policy settings (such as Minimum Occupation Period requirements and resale eligibility windows), and demographic trends. Clementi's established position as a transport-connected, family-oriented precinct supports optimistic appreciation scenarios relative to emerging or less accessible estates, though past performance does not guarantee future returns and downside scenarios—including potential policy tightening or demand shifts—warrant consideration.

Future Supply Pipeline and Competitive Positioning

The Clementi precinct is mature, with limited remaining land availability for greenfield HDB development. New supply in the area is unlikely to materialise at significant scale, supporting the relative scarcity value of existing units within 101 Clementi Street. Surrounding areas including Bukit Batok and Bukit Gombak may see incremental supply, but these precincts are similarly mature, meaning new HDB launches are unlikely to substantially dilute demand for established Clementi properties.

Conversely, Build-To-Order (BTO) launches in emerging precincts further west—such as Tengah—may absorb first-time buyers seeking maximum space and new construction benefits. However, these developments typically entail longer lead times and less immediate MRT connectivity, making them substitutes for first-timers rather than direct competitors to upgraders and investors prioritising immediate occupancy and established transport access. 101 Clementi Street's mature positioning ensures continued relevance across multiple buyer segments despite ongoing HDB supply diversification elsewhere.

Conclusion: A Dependable Choice in an Established Precinct

101 Clementi Street represents a mature HDB development offering stability, accessibility, and proven market demand across multiple buyer and investor profiles. The estate's proximity to EW23 Clementi MRT Station, comprehensive neighbourhood amenities, and established community infrastructure position it as a dependable choice for owner-occupiers and investors alike. Whilst lease decay and national HDB market dynamics warrant realistic expectations around capital appreciation, the development's transport connectivity and family-oriented positioning support sustained demand and competitive pricing within the broader HDB resale market. Prospective buyers should engage qualified mortgage advisors, conduct thorough due diligence on individual units' condition and floor levels, and contextualise this investment within broader personal financial and lifestyle objectives.

Frequently Asked Questions

What rental yield can investors expect from units at 101 Clementi Street?

Investors purchasing units at 101 Clementi Street can typically anticipate gross rental yields between 3.5% and 4.5%, depending on unit typology, condition, and leasing efficiency. Three-bedroom units generally command higher absolute rental premiums (typically S$2,800 to S$3,500 monthly) driven by family demand, whilst two-bedroom units lease for approximately S$2,000 to S$2,600 monthly and appeal to young professionals and downsizers. The development's MRT proximity and established amenity ecosystem support consistent tenant demand and reduced vacancy risk compared to more peripheral estates, though actual yields depend on purchase price, annual rental escalation, and maintenance costs. Investors should model returns conservatively and account for the 20% Additional Buyer's Stamp Duty incurred as a second-property purchase cost, which reduces effective returns over shorter holding periods.

How does pricing at 101 Clementi Street compare to recent transactions in the Clementi precinct?

Recent HDB resale transactions across the broader Clementi precinct show three-bedroom units trading between S$850,000 and S$920,000, with two-bedroom variants ranging from S$650,000 to S$750,000, depending on exact location, floor level, and condition. Units at 101 Clementi Street pricing around S$878,000 align closely with this market range for three-bedroom stock, reflecting fair value relative to comparable estates within the same MRT accessibility band. Price per square foot for Clementi typically ranges from S$670 to S$750 for three-bedroom units, with newer or higher-floor units commanding premiums within this range. The development's established reputation and proven rental demand support valuations at the upper end of this spectrum, particularly for units in good condition or with favourable floor levels and views.

What is the Additional Buyer's Stamp Duty (ABSD) cost for second-property buyers at 101 Clementi Street?

Second-property buyers who are Singapore Citizens must pay Additional Buyer's Stamp Duty (ABSD) at the rate of 20% on top of the purchase price. For a property valued at S$878,000, the ABSD liability would be approximately S$175,600, substantially increasing total acquisition costs beyond the property purchase itself. This 20% ABSD applies regardless of whether the second property is an HDB or private residential unit and represents a significant financing consideration for upgraders or investors expanding their portfolio. First-time buyers are exempt from ABSD, making the development attractive for this segment, whilst upgraders should carefully model the ABSD impact on total equity required and overall investment returns. Professional tax and financial planning advice is essential for second-property purchasers to optimise structuring and cash flow management.

What lease decay risks apply to properties at 101 Clementi Street, and how does this affect resale value?

Units at 101 Clementi Street carry 99-year leasehold tenure from original construction, meaning currently transacted units have remaining lease terms of approximately 88 to 95 years depending on allocation date. Lease decay—the reduction in market value as lease tenure shortens—becomes increasingly material beyond the 60-year mark, implying that buyers holding units for 20+ years will face meaningful valuation pressure relative to newer estates with full lease terms. For current purchasers, this represents a long-term consideration rather than an immediate concern, as decades of occupancy remain available before lease decay materially impacts market positioning. However, investors should acknowledge that future resale values will compress as lease shortens, supporting the case for viewing HDB purchases as long-term owner-occupier holdings rather than short-term trading vehicles. Government policy on lease extension mechanisms remains uncertain, though recent consultations suggest potential options may become available, warranting monitoring of policy evolution.

How does MRT proximity affect demand and capital appreciation at 101 Clementi Street?

Proximity to EW23 Clementi MRT Station, located approximately 880 metres from the development, represents one of the primary drivers of demand and capital appreciation within 101 Clementi Street and the broader Clementi precinct. Properties situated within 800 to 1,000 metres of MRT stations historically outperform those further afield by 15% to 25% in capital appreciation over ten-year holding periods, reflecting buyer preference for transport accessibility and reduced commuting friction. The MRT connection enables efficient access to the city centre (approximately 25 minutes to Raffles Place), business districts, and eastern nodes, supporting demand from working professionals and families prioritising transport convenience. Long-term capital appreciation in Clementi is substantially underpinned by this transport connectivity, with the estate having benefited from consistent demand over decades as the MRT network has matured. This transport premium is unlikely to erode and may strengthen further if surrounding precincts experience continued development and densification.

Is 101 Clementi Street suitable for first-time buyers, upgraders, investors, and high-net-worth individuals?

101 Clementi Street appeals across multiple buyer profiles, though with distinct value propositions for each segment. First-time buyers benefit from HDB regulatory transparency, clear ownership rules, and the development's established track record providing benchmarking data for valuations and negotiation positioning; exemption from ABSD also enhances affordability for this segment. Upgraders transitioning from smaller units or relocating within Singapore find the varied typologies and mature neighbourhood amenities well-aligned with step-up requirements, though the 20% ABSD for second-property purchases must be budgeted carefully. Investors appreciate consistent tenant demand driven by MRT proximity and affordability positioning, with three-bedroom units particularly attractive for family lettings and two-bedroom units serving young professionals. High-net-worth individuals may view units as a stable diversification asset, core holding within a broader property portfolio, or as exposure to the resilient HDB market segment; however, yield-focused investors may find this development's 3.5%-4.5% expected returns modest compared to higher-yielding precincts further from MRT.

What are the TDSR and financing implications for typical price points at 101 Clementi Street?

For properties priced around S$878,000, typical financing extends to 80% of valuation (approximately S$700,000 loan), requiring monthly household income of S$13,000 to S$15,000 to comfortably meet Total Debt Servicing Ratio (TDSR) thresholds at current interest rates, assuming minimal existing debt. First-time buyers benefit from a concessional TDSR calculation (allowing up to 60% TDSR versus 55% for second-property buyers), potentially improving borrowing headroom by 10% to 15% of approved loan amount. Second-property buyers face stricter TDSR assessment and must also budget the 20% ABSD upfront (approximately S$175,600 at the S$878,000 price point), substantially increasing total capital requirements beyond the property purchase itself. Early engagement with mortgage advisors and banks is essential to avoid overcommitment; stress-testing affordability against interest rate rises of 1% to 2% is prudent, as is maintaining cash reserves equivalent to 6 to 12 months of loan repayments plus property maintenance costs.

How does 101 Clementi Street compare to nearby competing HDB developments?

101 Clementi Street competes directly with other established estates in the Clementi precinct such as Blk 1 to 50 Clementi Avenue 1 and units across Clementi Avenue 2-6, all of which share similar MRT accessibility and amenity ecosystems. Pricing across these comparable estates typically aligns within 5% to 10% of 101 Clementi Street valuations for equivalent unit typologies and floor levels, reflecting their comparable transport and neighbourhood positioning. A key competitive distinction is vertical stack architecture; some neighbouring developments feature higher-rise blocks (15+ storeys) offering superior views and light penetration, whilst others comprise lower blocks (10-12 storeys) appealing to residents preferring reduced elevator wait times and closer community contact. Surrounding precincts including Bukit Batok, approximately 2 to 3 kilometres west, may offer marginally lower entry prices but typically entail longer MRT commutes (15+ minutes) or reliance on feeder buses. Investors comparing 101 Clementi Street to distant emerging precincts should weigh immediate MRT accessibility and mature amenity density against lower acquisition costs in underdeveloped areas, recognising that capital appreciation potential may be higher in mature, transport-connected estates.

Which floor levels or unit stacks at 101 Clementi Street offer the best value proposition?

Mid-floor units (floors 8-12) typically offer the strongest value-for-money balance, combining reasonable light and ventilation exposure with lower price premiums relative to high-floor units and reduced noise exposure from street-level activity compared to ground and first-floor variants. These levels appeal broadly to families and upgraders seeking privacy and views without the scarcity-driven price premiums of top-floor units (floors 15+), which may command 5% to 10% premiums for unobstructed light and views. Lower floors (floors 1-4) appeal to families with young children, elderly residents, and investors targeting tenants prioritising accessibility; these units often price 5% to 8% below mid-floor comparables, creating value opportunities for buyers willing to accept reduced light exposure and higher noise impact from traffic. Rear-facing units (overlooking carpark or quieter residential areas) typically price 3% to 5% below comparable front-facing units with street or amenity views, yet may offer superior quiet and reduced disturbance for noise-sensitive buyers. Unit corner positions and higher-floor placements within each stack carry premium valuations reflecting superior cross-ventilation and corner-unit prestige positioning.

What future supply pipeline exists in the Clementi district, and how might this affect demand for 101 Clementi Street?

The Clementi precinct is mature and densely developed, with very limited remaining land availability for new greenfield HDB construction; accordingly, incremental supply from new HDB launches within the immediate Clementi area is unlikely at meaningful scale. This supply scarcity supports the relative value and demand resilience of existing units at 101 Clementi Street, as diminishing new-unit supply continuously emphasises the scarcity value of established stock. Surrounding precincts including Bukit Batok and Bukit Gombak are similarly mature, though may see incremental BTO launches targeting first-time buyers; however, these developments typically entail longer occupancy timelines and reduced MRT connectivity, positioning them as substitutes for first-timers rather than direct competitors to upgraders and investors prioritising immediate occupancy. The western expansion corridor including Tengah and upcoming precincts further afield may absorb some demand from first-time buyers seeking maximum space and new-construction incentives, though these distant locations impose substantial commuting costs and reduced amenity maturity relative to Clementi. Overall, limited near-term supply competition in Clementi supports sustained demand and capital appreciation potential for 101 Clementi Street, positioning the development favourably within the broader HDB market landscape for the next decade or longer.

[For Sale] Hdb Flat At 101 Clementi Street 14 — From S$878K