Singapore Property Financial & Investment Calculator Suite
Calculators based on the MAS TDSR and loan-to-value rules (55% TDSR, 4% stress-test floor), IRAS stamp duty rates (BSD 1%-6%, ABSD 0%-65%, SSD), the Housing Developers Rules (10-stage progressive billing) and CPF OA interest. Every figure is an estimate worked out from rate files with a source and date, not advice.
Singapore Property Financial Regulations & FAQs
Based on published guidelines from MAS, IRAS, CPF Board and the Housing Developers Rules.
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 (assumed S$3,500), minus Agency Commission (assumed 2% + 9% GST), and minus Seller's Stamp Duty (SSD) if you sell within the holding period: four years for a property bought on or after 4 Jul 2025 (16%, 12%, 8%, 4%), three years if bought before (12%, 8%, 4%). The calculator needs your purchase date to work out SSD.
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 follow the 10 stages in the Housing Developers Rules (5% booking, 15% S&P, 10% foundation, 10% concrete framework, 5% partition walls, 5% roofing, 5% windows, doors and electrical, 5% car park, roads and drainage, 25% at TOP, and 15% at CSC), which add up to 100%. Mortgage instalments start low and rise as the loan is drawn.
What is the MAS 4.0% TDSR Stress Test Floor?
MAS requires lenders to test a borrower's debt servicing at an interest rate of at least 4.0% per annum (or the actual rate, if higher) for residential property, and total monthly debt payments must not exceed 55% of gross monthly income. Variable income such as commission and bonus counts at no more than 70% (a minimum 30% haircut). For joint borrowers, the loan tenure test uses the income-weighted average age.
How are IRAS Buyer's Stamp Duty (BSD) and ABSD computed?
Buyer's Stamp Duty (BSD) on residential property is tiered from 1% up to 6% on the part of the price above S$3,000,000 (non-residential property tops out at 5%). Additional Buyer's Stamp Duty (ABSD) depends on who buys and how many residential properties they will own: Singapore Citizens 0% on the 1st, 20% on the 2nd, 30% on the 3rd or later; Permanent Residents 5%, 30% and 35%; foreigners 60%; entities 65%. In a joint purchase the higher of the buyers' rates applies. Nationals of the USA, Iceland, Liechtenstein, Norway and Switzerland are treated like Singapore Citizens under free trade agreements. Rates are those in force from 27 Apr 2023; any ABSD remission or refund is not modelled.
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).