Singapore Property Blog
Finance
41 கட்டுரைs குறியிடப்பட்டது "Finance"
BSD Explained: Buyer's Stamp Duty Rates in Singapore
Buyer's Stamp Duty (BSD) is a progressive tax on all property purchases in Singapore. Rates range from 1% on the first $180,000 to 6% on value above $
IRR: Internal Rate of Return for Property Investors
Internal Rate of Return (IRR) is the annualised return that accounts for both rental income and capital appreciation over the entire holding period. I
SSD Explained: Seller's Stamp Duty and Holding Periods
Seller's Stamp Duty (SSD) applies when you sell a property within 3 years of purchase. The rates are 12% if sold in the first year, 8% in the second y
Cash-on-Cash Return: Measuring Your Cash Investment
Cash-on-Cash Return is the annual pre-tax cash flow divided by the total cash invested (primarily your down payment and acquisition costs). It measure
Singapore Cooling Measures: History and Current Rates
Cooling measures are government policies designed to moderate the property market and prevent speculative bubbles. Key measures include ABSD rate hike
Progressive vs Deferred Payment: New Launch Options
The Progressive Payment Scheme is the standard payment method for new launch properties in Singapore. Buyers pay in stages as construction reaches mil
Property Expense Ratio: Rental Costs and Deductions
The percentage of gross rent set aside for vacancy periods, repairs, agent fees, and other recurring costs. A typical expense ratio is 10-20% of gross
Capital Gains and Appreciation: How Values Grow
The estimated annual increase in property value, expressed as a percentage. Historical Singapore condo appreciation has averaged around 2-4% per year
SORA: Singapore Overnight Rate Average Explained
The Singapore Overnight Rate Average (SORA) is the volume-weighted average rate of unsecured overnight interbank Singapore Dollar cash transactions, p
ROI Metrics: Total Return, Break-Even, Future Value
Net profit (rental income + capital gain minus all costs) expressed as a percentage of the original purchase price. This is your overall ROI.
TDSR and MSR: Singapore's Borrowing Limits
Total Debt Servicing Ratio (TDSR) is a framework that limits total monthly debt repayments (including the new mortgage) to 55% of gross monthly income
Annual Value (AV) and Property Tax in Singapore
Annual Value (AV) is the estimated gross annual rent a property can reasonably command if it were rented out, as assessed by IRAS. AV is used to deter
LTV Ratio: Loan-to-Value Limits in Singapore
Loan-to-Value (LTV) ratio is the maximum percentage of a property's value that a bank will lend. In Singapore, the maximum LTV is 75% for the first ho
CPF OA for Property: Using CPF to Buy a Home
CPF Ordinary Account (OA) savings can be used to purchase residential property in Singapore, subject to withdrawal limits. For private property, CPF u
How to Calculate Cash Proceeds from Selling
Find out exactly how much cash you walk away with after selling your property. Factors in outstanding mortgage, CPF refund (principal + accrued intere
How to Use the Mortgage Recommender
Answer a few simple questions about your income, risk appetite, and property plans and get a personalised mortgage recommendation. The wizard analyses
How to Understand Progressive Payment Schedules
Visualise the progressive payment schedule for new launch condos. See exactly when each payment is due — from booking fee to CSC — and calculate the t
How to Check HDB Grant Eligibility
Find out which HDB housing grants you qualify for and how much you can receive. Covers Enhanced CPF Housing Grant (EHG), Family Grant, Proximity Housi
How to Calculate HDB Resale Levy
If you have previously bought a subsidised HDB flat, you must pay a resale levy when buying a second subsidised flat. Calculate the exact levy amount
ABSD Explained: Additional Buyer's Stamp Duty Rates
Additional Buyer's Stamp Duty (ABSD) is an extra tax applied on top of BSD for certain buyer profiles. Singapore Citizens buying a second property pay