mychoicehomez.com · James Ong CEA R008385F
New Launch Financial Calculator
Stamp duty · Agent commission · Legal fees · Loan · Rental yield · Exit returns · All Singapore rules built in
Property Details
S$
S$
sqft
Additional Details
Agent, Legal & Other Fees
%
S$
S$
S$
S$
S$
S$
Stamp Duty Breakdown
Buyer's Stamp Duty (BSD)
First $180,000 × 1%—
Next $180,000 × 2%—
Next $640,000 × 3%—
Next $500,000 × 4%—
Remaining × 5%—
Total BSD—
Additional Buyer's Stamp Duty (ABSD)
ABSD Rate—
Total ABSD—
Purchase Price
—
Total BSD
—
ABSD
—
Fees & Costs
—
agent + legal + misc
Agent, Legal & Other Fees Breakdown
Buyer's agent commission—
Conveyancing legal fee—
Mortgage legal fee—
Valuation fee—
Home insurance (1st year)—
Renovation budget—
Other miscellaneous costs—
Total Fees & Other Costs—
Complete Cost of Ownership — Entry
5% Option Fee (cash)—
BSD payable—
ABSD payable—
Agent commission—
Legal fees (conveyancing + mortgage)—
Valuation + insurance + misc—
Renovation budget—
Total True Cost of Entry (excl. CPF + balance 20%)—
All-in cost including purchase price
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—
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Agent commission (new launch): For new launch properties, the developer pays the buyer's agent — you typically pay zero commission as a buyer. For resale, buyer's agent commission is 1–2% or negotiated fixed fee. Conveyancing legal fee (~$2,500–$4,000) covers the purchase. Mortgage legal fee (~$1,500–$3,000) is charged separately by your bank's panel lawyer. Valuation (~$350–$600) is required by the bank for resale; new launches typically waive this. BSD and ABSD rates per IRAS 2023 schedule.
Loan Details
S$
yrs
%
Your Financial Profile
S$
S$
yrs
S$
Max Loan Amount
—
Based on 75% LTV
Monthly Repayment
—
at current rate
TDSR Used
—
MAS cap: 55%
TDSR Status
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Down Payment Breakdown
Min cash (5% of price)—
CPF OA usable (balance of 25% downpayment)—
Your CPF OA balance—
CPF shortfall (need cash)—
Total cash needed (excl. stamp duty)—
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TDSR stress test: Banks apply a stress test rate of 4% (or contract rate +1%, whichever is higher) when computing TDSR. This calculator uses your input rate. The actual bank assessment may be slightly more conservative. Monthly repayment shown is at the input interest rate, fully amortising.
Property & Rental Details
S$
S$
S$
S$
mths
mths
Loan Costs
S$
S$
Gross Yield
—
on purchase price
Net Yield
—
after costs
Monthly Cash Flow
—
rent minus mortgage
Cash-on-Cash ROE
—
net income / cash in
Annual Income & Cost Breakdown
Gross Annual Rent—
Less: Vacancy (months)—
Less: Agent Commission—
Less: Maintenance Fee—
Less: Property Tax—
Net Annual Rental Income—
Less: Annual Mortgage—
Net Cash Flow After Mortgage—
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—
Property tax note: Non-owner-occupied residential property is taxed on Annual Value (AV) at progressive rates of 12%–36% from 2024. The AV is typically around 3–5% of the property's purchase price for new condos. Adjust the property tax field to your actual IRAS notice figure.
Purchase & Exit Details
S$
S$
yrs
S$
Entry Costs (Buy Side)
S$
S$
S$
S$
S$
S$
Exit Costs (Sell Side)
%
%
S$
Holding Costs
S$
S$
Capital Gain
—
—
Total Rental Income
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over hold period
Net Profit
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after all costs
Annualised ROI
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on total cash invested
Full Exit P&L — Complete Picture
SALE PROCEEDS—
Less: Sell-side agent commission—
Less: SSD (if applicable)—
Less: Sell-side legal fee—
Net Sale Proceeds—
ENTRY COSTS PAID—
BSD paid at purchase—
ABSD paid at purchase—
Buy-side agent commission—
Conveyancing + mortgage legal—
Valuation + insurance + misc—
Renovation (once-off)—
Total holding costs (maint + tax × years)—
Add: Total rental income—
Net Total Profit / Loss—
SSD Quick Reference
Held under 1 year12% of price
Held 1–2 years8% of price
Held 2–3 years4% of price
Held 3+ years0% — SSD-free
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Want James to run these numbers for your actual unit?
CEA Reg No. R008385F · PropNex Realty · Free, no-obligation consultation
mychoicehomez.com · James Ong · CEA Reg No. R008385F · PropNex Realty Pte Ltd
Calculator for guidance only. Verify all figures with your conveyancing lawyer and bank. Stamp duty rates per IRAS 2024.
Calculator for guidance only. Verify all figures with your conveyancing lawyer and bank. Stamp duty rates per IRAS 2024.
