Singapore Property Blog
Finance
49 articles tagged "Finance"
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
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
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.
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
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
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
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 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
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 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 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 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 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 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,
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 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