Sale proceeds

Net cash = sale price − outstanding loan − CPF principal and accrued interest − legal fees − agent commission including 9% GST − SSD. This assumes sufficient proceeds to meet all deductions; a shortfall is shown as a negative amount.

SSD uses the applicable residential schedule for your acquisition date and the higher of sale price or market value. Exemptions, mixed-use property, partial interests and CPF refund concessions are not automatically assessed. Confirm final figures with your conveyancing lawyer and CPF Board.

Official references: SSD. Rates and rules checked 1 November 2026.

Bank loans: fixed income plus 70% of variable and rental income. Repayment allowance is 55% of recognised income less debts; HDB / applicable EC bank loans also use a 30% MSR cap. Borrowing is assessed at the higher of 4% or your entered thereafter rate. Joint bank applications use gross-income-weighted average age. Financing limits depend on existing housing loans, age and term. For short-lease bank purchases, the bank may apply further restrictions not modelled here.

HDB loans: this estimate uses your entered HDB-assessment income, a 30% monthly instalment limit, and a 3% assessment floor. Repayments use the current concessionary 2.6% rate, reviewed quarterly. The term is capped at the shortest of your preference, 25 years, 65 minus the buyers’ average age, or remaining lease minus 20 years; it is rounded down to whole months.

The HDB lease check uses the youngest buyer. If the lease falls short of age 95, estimated financing is 75% × (remaining lease − 20) ÷ (75 − youngest age), capped at 75%, with no housing loan modelled at 20 years or less. This estimated prorating formula is inferred from MND / MOM’s published worked examples; HDB confirms the actual limit using your application details. We use the lower of flat price and valuation where provided, then cap the loan by both income and the financing limit.

“Home price with this loan” assumes you can fund the down payment and buying costs; it is not a savings-based purchasing budget. HDB income eligibility, employment / credit assessment, available CPF, grants, second-HDB-loan proceeds requirements, exact-date assessments, stamp duties and other buying costs can change the outcome. Confirm the final HFE or bank offer before committing.

Official references: HDB loan rules, HDB interest, MND / MOM lease examples, MAS TDSR, LTV and cash limits. Checked 1 November 2026.

The loan is property price minus down payment. A fully amortising monthly payment is calculated using the monthly interest rate and the number of monthly instalments. At 0% interest, monthly repayment is loan ÷ number of months.

The same annual rate is assumed for the entire tenure. Total interest uses the unrounded monthly payment. Actual bank packages, eligibility, fees, taxes and CPF usage are not included. Confirm figures with your financier.

Official references: LTV. Rates and rules checked 1 November 2026.

For acquisitions on or after 15 February 2023, residential BSD uses marginal rates of 1%, 2%, 3%, 4%, 5% and 6%. Non-residential BSD uses 1%, 2%, 3%, 4% and 5%. The bands are applied to the higher price or market value, then total duty is rounded down to a whole dollar, with a S$1 minimum when duty is payable.

This is for an ordinary purchase of a whole residential or non-residential property. Mixed-use purchases, reliefs and special transactions require separate assessment. ABSD may also apply to residential purchases.

Official references: BSD. Rates and rules checked 1 November 2026.

For purchases on or after 27 April 2023, SC rates are 0%, 20% and 30% for the first, second and third-or-later residential property. SPR rates are 5%, 30% and 35%. Foreigners pay 60%, while ordinary entities / trustees pay 65%, before reliefs. For joint buyers, the highest applicable rate is used on the entire higher price or market value.

Property counts are assessed for each buyer’s existing Singapore residential interests, including partial / joint interests. FTA treatment, spouse / senior remissions, trusts, housing developers and special cases require eligibility checks; no remission is automatically deducted here.

Official references: ABSD, BSD. Rates and rules checked 1 November 2026.

Residential properties acquired from 4 July 2025 use a four-year 16% / 12% / 8% / 4% schedule. Acquisitions from 11 March 2017 to 3 July 2025 use three years at 12% / 8% / 4%. Earlier residential schedules are also included. The holding period is assessed using calendar anniversaries, not rounded years.

Use the legal acquisition and disposal dates, usually acceptance of the OTP or the S&P agreement, rather than completion or an unaccepted OTP grant date. Duty is based on the higher sale price or market value, rounded down to whole dollars. This tool does not assume all HDB sales are exempt. Confirm exemptions, partial interests, inherited interests and special transactions with your conveyancing lawyer.

Official references: SSD. Rates and rules checked 1 November 2026.