Type

Units

Min Area

Price Range

4 BR

1636 sqft

S$998K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$998K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$200K on this acquisition.

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?

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116 Clementi Street: Established HDB Living in a Mature Estate

116 Clementi Street stands as a residential address within the Clementi planning district, one of Singapore's most established and well-developed housing estates. This HDB development has long served as a stable community hub, attracting families seeking reliable, accessible accommodation in a neighbourhood rich with amenities and services. The flats available at this address represent an opportunity to acquire quality public housing stock in a district that has sustained strong resident interest across multiple property cycles.

The units at 116 Clementi Street offer substantial living arrangements, with four-bedroom configurations providing ample space for families of varying sizes. Interior layouts typically encompass three bathrooms, enabling efficient household routines for multi-generational households or families with teenagers requiring privacy and convenience. With floor areas reaching approximately 1,636 square feet, these homes offer generous proportions compared to many contemporary HDB offerings, allowing for flexible furniture placement and comfortable entertaining spaces.

Location and Neighbourhood Connectivity

Clementi has evolved into a self-sufficient residential zone featuring diverse retail, dining, and recreational facilities. The estate benefits from a network of bus services and proximity to nearby transport nodes that facilitate commuting across Singapore's wider transport ecosystem. Residents enjoy access to shopping malls, wet markets, food courts, and community services that cater to daily household needs without requiring long-distance travel. The neighbourhood's maturity means established schools, medical clinics, and leisure facilities are well-distributed throughout the precinct.

The residential character of Clementi appeals to buyers prioritising stable, family-oriented communities over trendy or newly launched developments. This demographic stability has historically supported consistent property values and sustained rental demand, making the estate attractive to both owner-occupiers and investment-focused purchasers. The established nature of the neighbourhood means fewer surprises regarding future land use or major infrastructure disruptions.

Space and Design for Modern Living

Four-bedroom HDB flats serve a distinct market segment within Singapore's property landscape. Such units accommodate families with multiple children, provide dedicated home office or study spaces that have become increasingly important post-2020, and offer flexibility for live-in caregivers or adult children who prefer shared accommodation. The three-bathroom configuration addresses the practical realities of household schedules, particularly during morning routines when multiple family members require simultaneous access to facilities.

The internal proportions of flats at this address allow residents to create distinct living zones—a formal living area for entertaining, a practical dining space adjacent to the kitchen, and sufficient bedroom depths to accommodate larger furniture pieces or bespoke built-in solutions. Such spatial generosity becomes increasingly valued in property markets where many newer launches emphasise smaller, more efficient footprints targeting first-time buyers or empty-nest couples.

Investment and Ownership Considerations

For investors contemplating acquisition of units at 116 Clementi Street, several factors warrant evaluation. The four-bedroom configuration positions these flats within Singapore's rental market sweet spot, appealing to expatriate families, multigenerational households, and renters seeking spacious accommodation outside the private residential sector. Historical rental rates for comparable HDB stock in Clementi have demonstrated resilience, with demand remaining steady across economic cycles due to the estate's accessibility and established service ecosystem.

Second-property buyers should factor Additional Buyer's Stamp Duty (ABSD) into acquisition calculations. Singapore Citizens purchasing a second residential property face a 20% ABSD levy on the purchase price, a material cost that affects overall acquisition outlay and investment returns. This duty does not apply to first-time HDB buyers or those selling a previous property and reacquiring within specified timeframes, so individual circumstances significantly influence the true cost of ownership.

Lease tenure remains a consideration for long-term value retention. Most HDB flats carry 99-year leases, which gradually diminish in capital value as the lease approaches expiry. Flats at higher storeys in earlier tranches of 116 Clementi Street may exhibit varying lease profiles depending on their original construction date. Prospective buyers should verify the precise lease remaining and factor anticipated lease decay into long-term valuation assumptions, particularly for investors planning multi-decade holding periods.

Financing and Buyer Suitability

First-time HDB buyers benefit from concessionary financing terms and exemption from ABSD, making entry-level pricing at 116 Clementi Street accessible compared to private residential alternatives. Such purchasers can typically leverage Central Provident Fund (CPF) contributions up to stipulated ceilings and secure Housing Development Board loans at favourable rates, substantially reducing cash outlay at point of purchase.

Upgraders transitioning from smaller two or three-bedroom HDB flats find four-bedroom units particularly attractive, as additional space accommodates household growth or provides enhanced lifestyle benefits. These buyers often possess accumulated equity in existing properties, enabling substantial down payments and reducing dependency on maximum debt servicing ratios. The Clementi location appeals to upgraders seeking established neighbourhoods where their purchasing power extends to meaningfully larger homes.

Investors evaluating 116 Clementi Street should assess debt servicing capacity against rental income projections. Four-bedroom HDB flats in Clementi typically command monthly rentals sufficient to cover mortgage instalments plus outgoings, though individual unit specifications, floor levels, and exposure characteristics influence achievable rents. Conservative investors might model scenarios based on slightly below-market rents to account for potential vacancy periods or market softness.

Market Context and Comparable Stock

Clementi's established status means abundant comparable transactions provide clear pricing benchmarks. Per-square-foot rates for four-bedroom HDB flats in the estate have tracked within a definable range over recent years, reflecting the neighbourhood's stability and predictable demand. Prospective buyers can readily identify whether 116 Clementi Street's pricing aligns with recent arm's-length transactions or represents above/below-market positioning.

The broader Clementi market includes newer tranches and older stock, mixed-income public housing, and occasional private residential developments that collectively serve diverse buyer demographics. However, the dominance of established HDB housing means most competitive alternatives for four-bedroom family living remain within the public housing sector, with pricing variations reflecting lease maturity, floor level, block configuration, and neighbourhood micro-location factors.

Property Features and Stack Considerations

Within any HDB block, unit stack and floor level materially influence both value and livability. Lower floors and higher floors exhibit different characteristics: lower floors benefit from easier access for families with elderly members or young children, whilst higher floors command premium pricing due to enhanced privacy, reduced noise, and improved views. Mid-stack units often represent optimal value propositions, avoiding both the congestion of communal facilities near ground level and the price premium of upper storeys.

Units facing parks, green spaces, or open-air courtyards typically attract premium pricing and stronger renter interest compared to units overlooking roads or carpark areas. Exposure to prevailing breezes and natural light quality further influence desirability. Prospective buyers should evaluate specific unit stack locations within 116 Clementi Street against their personal preferences and investment return objectives, as such micro-factors substantially influence both immediate satisfaction and eventual resale demand.

Future Market Dynamics and Supply Considerations

Clementi's status as a mature estate means future new housing supply within the planning district is limited. The Housing Development Board typically focuses major new launches in growth areas further from the city centre, meaning established estates like Clementi experience gradual replacement demand from upgraders and investors rather than large cohorts of new entrants. This dynamic supports relative stability in property values, as supply constraints naturally limit downward pricing pressure.

Singapore's broader demographic trajectory, with an ageing population and sustained immigration of skilled professionals, suggests continued demand for family-sized HDB accommodation in accessible, established neighbourhoods. Four-bedroom flats serve these demographics effectively, positioning 116 Clementi Street as relevant to long-term housing demand patterns regardless of short-term market fluctuations.

Frequently Asked Questions

What rental income might an investor expect from a four-bedroom HDB flat at 116 Clementi Street?

Four-bedroom HDB flats in Clementi typically command monthly rents ranging from S$4,000 to S$5,500 depending on floor level, unit orientation, and specific amenities, translating to gross yields of approximately 4.5% to 5.5% at current market acquisition prices. Investor returns depend heavily on financing terms and individual property characteristics; a unit with premium exposure or high-floor positioning may attract higher rents, whilst ground-floor or roadside-facing units typically rent at lower end of the range. Conservative yield calculations should account for vacancy periods, potential rent softness during economic downturns, and maintenance reserves, meaning realistic net yields after costs typically settle between 2.5% and 3.5% for owner-financed purchases, or higher if investors leverage debt productively.

How does the price per square foot at 116 Clementi Street compare to recent HDB transactions in the same district?

Four-bedroom HDB flats in Clementi have traded at price points approximately S$610 to S$680 per square foot in recent months, reflecting the established estate's positioning relative to newer launches and central locations. At approximately 1,636 square feet, units at 116 Clementi Street thus position within the expected range for contemporary market conditions, though specific unit stack, floor level, and lease maturity cause individual unit pricing to deviate from district averages. Prospective buyers should cross-reference transaction histories within the same block and adjacent blocks via public records to confirm whether current asking prices align with recent arm's-length sales or represent above/below-market positioning for comparable specifications.

What is the Additional Buyer's Stamp Duty impact for a Singapore Citizen purchasing a second residential property at 116 Clementi Street?

A Singapore Citizen acquiring a second residential property at 116 Clementi Street must pay Additional Buyer's Stamp Duty (ABSD) at the rate of 20% on the purchase price, representing a substantial cost at point of acquisition. For a property priced at S$998,000, the ABSD liability would be approximately S$199,600, dramatically increasing the total cash required at completion and affecting investment return calculations. This duty does not apply to first-time HDB buyers, to citizens reacquiring a HDB property within specific timeframes after selling a previous primary residence, or to certain concessionary circumstances, so individual buyer profiles significantly affect the true acquisition cost and ongoing investment viability of properties in this price range.

How does remaining lease tenure affect the resale value and financing availability for HDB flats at 116 Clementi Street?

HDB flats carry 99-year leases from their original construction date, meaning blocks built in earlier decades now possess lease periods substantially below 99 years, resulting in gradual depreciation as expiry approaches. Flats with fewer than 30 years remaining on the lease face financing challenges, as most lenders restrict mortgage terms based on remaining tenure, potentially limiting buyer pools and exerting downward pressure on resale prices. Prospective buyers should confirm the exact remaining lease at 116 Clementi Street's address and factor anticipated lease decay into long-term valuation assumptions; whilst such properties remain viable for owner-occupiers planning to hold until eventual vacating of the flat, investors contemplating medium-term hold periods should carefully model future marketability as lease years decline further.

How does proximity to MRT and public transport influence demand and capital appreciation for properties at 116 Clementi Street?

Clementi estate, whilst well-served by bus networks and connected to broader transport infrastructure, does not benefit from direct MRT station access within the immediate precinct, relying instead on bus services and eventual connections to nearby transport nodes. This transport positioning makes the estate attractive to cost-conscious buyers seeking accessible but not premium-transit locations; capital appreciation has historically tracked below developments with adjacent MRT access, though rental demand remains steady due to affordability and service adequacy. Properties at 116 Clementi Street thus appeal to longer-term owner-occupiers prioritising affordability and established neighbourhood characteristics over transport premiums, with appreciation potential modest compared to MRT-adjacent developments but supported by supply constraints and demographic demand for family-sized HDB accommodation.

Is 116 Clementi Street suitable for first-time HDB buyers, upgraders, or investors—and why?

First-time HDB buyers find 116 Clementi Street attractive due to exemption from ABSD, concessionary financing terms, and CPF withdrawal eligibility that substantially reduces cash requirements; the four-bedroom format appeals to younger families planning multigenerational occupancy or expecting household growth. Upgraders transitioning from smaller flats benefit from meaningful space expansion within a familiar public housing ecosystem, using accumulated equity to finance larger homes without relocating to private residential sectors. Investors appreciate the strong rental demand from expatriate families and multigenerational households seeking spacious HDB accommodation, though returns depend on disciplined debt servicing and realistic yield expectations; the established estate's relative supply constraints support long-term demand stability, though appreciation potential remains moderate compared to growth-district developments.

What Total Debt Servicing Ratio (TDSR) headroom exists for typical buyers financing at 116 Clementi Street's current price points?

At current market prices around S$998,000, buyers financing 90% (S$898,200) over a 30-year Housing Development Board loan term would face estimated monthly instalments of approximately S$4,000-S$4,200, depending on prevailing interest rates and exact loan terms. Using standard TDSR ceilings of 60%, buyers would require monthly household income of roughly S$6,700-S$7,000 to service the mortgage whilst maintaining eligibility for other credit facilities; first-time buyers often achieve stronger debt servicing metrics due to lower baseline debt levels, whilst upgraders transitioning from existing mortgages face tighter headroom. Prospective purchasers should model personalised scenarios incorporating existing debt obligations, CPF contribution adequacy, and income stability to confirm financing feasibility before committing to offers, as TDSR assessments vary by financial institution and individual credit profiles.

How does 116 Clementi Street compare to competing four-bedroom HDB developments in the broader west-coast planning region?

Clementi competes primarily with nearby established estates including Bukit Merah, Tiong Bahru, and Ayer Rajah, each offering four-bedroom stock at varying price points and lease maturities. Bukit Merah commands premium pricing due to superior transport access and central positioning, whilst Tiong Bahru attracts heritage-conscious buyers valuing the estate's distinctive character and accessibility to the city centre. Ayer Rajah positions slightly further from commercial hubs but appeals to families prioritising space and quieter residential atmosphere similar to Clementi. Within this competitive set, 116 Clementi Street's primary appeal remains affordability combined with established neighbourhood maturity, trading value over transport premiums and representing attractive entry points for upgraders and investors less dependent on adjacent MRT access.

Which unit stacks or floor levels at 116 Clementi Street offer optimal value relative to pricing and future marketability?

Mid-stack units (typically floors 7-15) often deliver superior value by avoiding ground-level crowding and foot traffic whilst sidestepping upper-floor premiums that can exceed 15-20% compared to mid-levels; such units appeal to both owner-occupiers and investors seeking balance between livability and acquisition cost. Higher floors (18+) command premium pricing due to enhanced privacy, superior views, and reduced external noise, justifying price premiums for buyers prioritising amenity and rental upside from discerning expatriate tenants. Lower floors (1-6) suit families with young children or elderly occupants requiring accessibility, though potential noise exposure and limited views may suppress both capital appreciation and rental competitiveness; however, physically small households or cost-minimising investors might accept such trade-offs for purchase price savings. Prospective buyers should personally inspect prospective unit stacks and evaluate exposure characteristics against personal priorities before committing, as micro-location factors substantially influence both immediate satisfaction and eventual marketability.

What future housing supply trends in the Clementi planning district might influence long-term demand for properties at 116 Clementi Street?

Clementi's status as a mature estate means the Housing Development Board allocates minimal new development capacity to the planning district, focusing instead on growth areas in the north-east, north-west, and southern regions where population expansion occurs. This supply constraint naturally supports long-term price stability by limiting competitive pressure from new launches and replacement stock, though it also caps upside appreciation potential compared to emerging estates experiencing first-cohort buyer waves. Singapore's ageing population and sustained professional immigration suggest enduring demand for accessible, family-sized HDB accommodation in established neighbourhoods; Clementi's proven service infrastructure, school availability, and transport connectivity position it favourably to capture upgrader and multigenerational household demand despite limited new housing additions to the planning district.

Hdb Flat At 116 Clementi Street 13 — From S$998K