Singapore Property Blog
Finance
41 articles tagged "Finance"
Stamp Duty Complete Guide: BSD, ABSD, and SSD
A comprehensive 2026 guide to all three Singapore property stamp duties — Buyer's Stamp Duty (BSD), Additional Buyer's Stamp Duty (ABSD), and Seller's
Progressive Payment Schedule: Understanding BUC Milestones
A complete 2026 guide to the Progressive Payment Scheme (PPS) for Singapore new launch condominiums: how the 10-stage milestone schedule works, exact
Property Tax Guide for Condo Owners
A complete 2026 guide to Singapore property tax for condo owners: how IRAS determines Annual Value, the full progressive rate schedules for owner-occu
Singapore Mortgage Guide: Fixed vs Floating Rate (SORA)
A comprehensive 2026 guide to Singapore mortgage structures: fixed-rate versus SORA-pegged floating packages, how 3M SORA is calculated and why it rep
Your Complete Condo Purchase Cost Breakdown
A comprehensive 2026 guide to every cost involved in buying a condo in Singapore — from BSD and ABSD to legal fees, agent commissions, fire insurance,
How Much Can You Afford? TDSR and MSR Framework
A complete 2026 guide to Singapore's TDSR (55%) and MSR (30%) borrowing limits: how the formulas work, the 4.0% stress test rate, how banks count diff
How to Project Rental Property Cash Flow
Project year-by-year rental cash flow across three scenarios — optimistic, base, and pessimistic. See when your cumulative cash flow turns positive, c
How to Find Your Maximum Affordable Property Price
Discover the maximum property you can afford by combining all Singapore financing constraints in one calculation — TDSR, MSR, LTV, CPF balance, and ca
How to Evaluate Mortgage Refinancing
Should you refinance your mortgage? Compare your current loan against a new offer, factoring in lock-in penalties, legal fees, valuation costs, and an
How to Optimize Your Holding Period
Find the optimal year to sell by modelling net profit from Year 1 to Year 30. Factors in SSD penalties, capital appreciation, rental income, mortgage
How to Optimize CPF Usage for Property
Should you use CPF OA funds or keep them earning 2.5%? Compare three strategies — Max CPF, Partial CPF, and All Cash — to find the optimal mix. Factor
How to Calculate Property Tax
Estimate your annual property tax using IRAS progressive rates. Compare owner-occupied vs non-owner-occupied rates, auto-fill from actual condo rental
Buy vs Rent: Finding Your Break-Even Point
Should you buy or keep renting in Singapore? This calculator compares the true cost of both options over time — including mortgage interest, stamp dut
How to Compare Mortgage Loan Packages
Not all mortgage packages are created equal. Compare up to 3 loan offers side by side — fixed vs floating rates, lock-in periods, clawback penalties,
How to Use the End-to-End Investment Calculator
The most comprehensive property investment calculator in Singapore. Analyse every cost from Day 1 to exit — acquisition, stamp duty, financing, renova
How to Read the Borrowing Sensitivity Heatmap
What happens if interest rates jump to 4.5%? Or if you shorten your loan to 20 years? The Borrowing Sensitivity Heatmap shows you at a glance how ever
How to Check TDSR and MSR Affordability
How much can you actually borrow? Singapore's TDSR (55%) and MSR (30%) rules determine your maximum loan. Enter your income and existing debts to inst
How to Calculate Total Acquisition Cost
The purchase price is just the beginning. Calculate the true total cost of buying a Singapore condo — including BSD, ABSD, legal fees, valuation fees,
How to Calculate Seller's Stamp Duty (SSD)
Selling your property within 3 years? Seller's Stamp Duty (SSD) could cost you 4-12% of your sale price. Use this calculator to find out exactly how m
How to Calculate Stamp Duty (BSD + ABSD)
Stamp duty can add tens or even hundreds of thousands to your purchase price. Instantly calculate your Buyer's Stamp Duty (BSD) and Additional Buyer's