PropAceSingapore Property Financial & Investment Calculator Suite
Statutory Singapore real estate calculation engines adhering strictly to MAS Notice 645 (55% TDSR & 4.0% stress test), IRAS Stamp Duties Act (BSD 1%-6% & ABSD 0%-65%), Housing Developers Rules (BUC 11-stage progressive billing), and CPF Board 2.5% compounded interest rules.
Singapore Property Financial Regulations & FAQs
Authoritative guidelines from MAS, IRAS, CPF Board, and BCA.
How is Resale Net Cash Proceeds calculated in Singapore?
Net Cash Proceeds is the actual liquid cashier's order amount received by the seller upon legal completion. It equals Selling Price minus Outstanding Mortgage, minus Total CPF Principal Refunded to OA, minus CPF Accrued Interest (compounded at 2.5% p.a.), minus Legal Conveyancing Fees (~S$2,500 - S$3,000), minus Agency Commission (typically 2% + 9% GST), and minus Seller's Stamp Duty (SSD) if sold within 3 years.
What is the BUC Progressive Payment Schedule for New Launches?
Under the Housing Developers (Control & Licensing) Act, buyers of uncompleted private properties do not pay the full mortgage upfront. Payments are disbursed across 11 statutory construction stages (e.g. 5% Booking Fee, 15% S&P, 10% Foundation, 10% Concrete Framework, 5% Brickwalls, 5% Roofing, 5% Plumbing, 5% Doors/Windows, 5% Carpark/Roads, 25% TOP keys collection, and 15% CSC legal completion). Mortgage installments start low and scale up as construction reaches milestones.
What is the MAS 4.0% TDSR Stress Test Floor?
Under MAS Notice 645, all Singapore financial institutions must assess a borrower's debt servicing ability using a statutory medium-term interest rate floor of at least 4.0% per annum (or actual rate, whichever is higher), and total monthly debt commitments must not exceed 55% of gross monthly income. For joint borrowers, tenure is capped based on the Income-Weighted Average Age (IWAA).
How are IRAS Buyer's Stamp Duty (BSD) and ABSD computed?
Buyer's Stamp Duty (BSD) is tiered progressively from 1% up to 6% for residential properties transacted above S$3,000,000. Additional Buyer's Stamp Duty (ABSD) is charged based on nationality and property count: 0% for Singapore Citizens on their 1st property, 20% on 2nd, and 30% on 3rd; 5% for PRs on 1st, 30% on 2nd; and 60% flat for foreign nationals. Under Free Trade Agreements, nationals of the USA, Iceland, Liechtenstein, Norway, and Switzerland enjoy identical ABSD treatment as Singapore Citizens.
What is the difference between Gross Rental Yield and True Net Cashflow?
Gross yield is simply annual rent divided by purchase price. True net cashflow accounts for mandatory operating expenses: IRAS progressive non-owner-occupied property tax (12% to 36% on Annual Value), MCST maintenance fees, letting agent commissions (0.5 month per year + GST), and monthly mortgage repayments (principal and interest).