Property Calculator Singapore
Total Cost: $1,245,500
|
|||||||||||||||||||||||||||||||||||||||||||||||||||
| Amount (SGD) | Percentage | |
| Property Price | $1,200,000 | 96.3% |
| Buyer's Stamp Duty | $37,600 | 3.0% |
| Additional Buyer's Stamp Duty | $0 | 0.0% |
| Legal Fees | $3,000 | 0.2% |
| Valuation Fee | $500 | 0.0% |
| Other Costs | $4,400 | 0.4% |
| Total Purchase Cost | $1,245,500 | 100.0% |
| Financing Summary | Amount | |
| Down Payment Required | $300,000 | |
| Loan Amount | $900,000 | |
| Monthly Mortgage Payment | $4,506 | |
| Loan-to-Value Ratio | 75.0% | |
| Cash Required at Purchase | $345,500 | |
| Rental Yield (Gross) | 4.5% | |
| Rental Yield (Net) | 3.8% | |
Property Investment Analysis
| Cash Flow Item | Monthly | Annual |
|---|---|---|
| Rental Income | $4,275 | $51,300 |
| Gross Rental | $4,500 | $54,000 |
| Less: Vacancy (5%) | $225 | $2,700 |
| Operating Expenses | $1,125 | $13,500 |
| Property Tax | $400 | $4,800 |
| Maintenance & Management | $500 | $6,000 |
| Insurance | $225 | $2,700 |
| Net Operating Income | $3,150 | $37,800 |
| Less: Mortgage Payment | $4,506 | $54,072 |
| Net Cash Flow | -$1,356 | -$16,272 |
The Property Calculator Singapore helps individuals calculate property purchase costs, stamp duties, taxes, and investment returns for Singapore real estate. This calculator considers HDB, condominium, and landed property types with accurate tax calculations and rental yield analysis.
Singapore Property Market Overview
Singapore's property market is highly regulated with various taxes and restrictions designed to maintain stability and affordability. Understanding the costs and regulations is crucial for both local and foreign property buyers and investors.
Property Calculator Components
A Singapore property calculation typically includes the following key components:
- Property Price—purchase price of the property.
- Stamp Duties—Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD).
- Legal and Administrative Costs—conveyancing, valuation, and other fees.
- Financing Costs—mortgage calculations and loan-to-value ratios.
- Investment Analysis—rental yields and capital appreciation projections.
Types of Properties in Singapore
HDB Flats
Public housing with specific eligibility criteria:
- Build-To-Order (BTO) flats
- Sale of Balance Flats (SBF)
- Resale HDB flats
- Executive Condominiums (EC)
Private Condominiums
Private residential developments:
- Mass market condominiums
- Luxury developments
- Mixed-use developments
- Integrated developments
Landed Properties
Freehold and leasehold landed homes:
- Terrace houses
- Semi-detached houses
- Detached houses (bungalows)
- Shophouses and conservation properties
Stamp Duty Calculations
Buyer's Stamp Duty (BSD)
Progressive rates based on property value:
| Property Value | BSD Rate | Cumulative BSD |
|---|---|---|
| First $180,000 | 1% | $1,800 |
| Next $180,000 | 2% | $5,400 |
| Next $640,000 | 3% | $24,600 |
| Next $500,000 | 4% | $44,600 |
| Above $1,500,000 | 5% | Variable |
Additional Buyer's Stamp Duty (ABSD)
Additional tax based on buyer profile:
| Buyer Profile | Residential | Non-Residential |
|---|---|---|
| Citizen (1st property) | 0% | 0% |
| Citizen (2nd property) | 20% | 0% |
| Citizen (3rd+ property) | 30% | 0% |
| PR (1st property) | 5% | 0% |
| PR (2nd+ property) | 30% | 0% |
| Foreigner | 60% | 65% |
Property Tax in Singapore
Owner-Occupied Properties
Progressive rates for owner-occupied homes:
| Annual Value | Tax Rate |
|---|---|
| First $8,000 | 0% |
| Next $47,000 | 4% |
| Next $15,000 | 6% |
| Above $70,000 | 10% |
Non-Owner-Occupied Properties
Flat rate for investment properties:
- Residential—12% of Annual Value
- Non-residential—10% of Annual Value
- Annual Value typically 3-5% of property value
Financing and Loan Regulations
Loan-to-Value (LTV) Limits
Maximum financing allowed:
| Property Type | 1st Property | 2nd Property | 3rd+ Property |
|---|---|---|---|
| HDB Flat | 90% | 45% | 35% |
| Private Property | 75% | 45% | 35% |
| Commercial | 70% | 60% | 50% |
Total Debt Servicing Ratio (TDSR)
- Maximum 60% of gross monthly income
- Includes all debt obligations
- Stress test at 3.5% interest rate
- Applies to all property loans
Investment Analysis Metrics
Rental Yield Calculation
Key profitability metrics:
- Gross Rental Yield—Annual rent ÷ Property price
- Net Rental Yield—(Annual rent - Expenses) ÷ Property price
- Cash-on-Cash Return—Annual cash flow ÷ Cash invested
- Cap Rate—Net operating income ÷ Property value
Total Return Analysis
- Rental income over holding period
- Capital appreciation
- Tax benefits and deductions
- Transaction costs (buying and selling)
Property Investment Costs
Purchase Costs
- Stamp Duties—BSD and ABSD
- Legal Fees—$2,500-5,000 for conveyancing
- Valuation Fee—$500-1,000
- Survey Fee—$500-1,500 (for landed properties)
Ongoing Costs
- Property Tax—Based on Annual Value
- Maintenance—1-3% of property value annually
- Management Fees—5-10% of rental income
- Insurance—$1,000-3,000 annually
Selling Costs
- Agent Commission—2-3% of sale price
- Legal Fees—$2,000-3,000
- Seller's Stamp Duty—If sold within 3 years
- Capital Gains Tax—Generally not applicable
How to Use the Calculator
To use the Singapore Property Calculator:
- Enter the property purchase price
- Select property type and buyer profile
- Input down payment percentage
- Enter loan details (amount, rate, term)
- Include additional costs and taxes
- Add rental income details (if investment property)
- Set investment analysis parameters
- Click "Calculate" to see comprehensive analysis
The calculator will show total purchase costs, financing requirements, cash flow analysis, and investment returns.
Property Investment Strategies
Buy and Hold
- Long-term capital appreciation
- Steady rental income
- Tax benefits and deductions
- Leverage through financing
Fix and Flip
- Short-term capital gains
- Renovation and improvement
- Market timing important
- Higher transaction costs
Important Considerations
When investing in Singapore property:
- Market cycles—Understand property market trends
- Location factors—Proximity to MRT, schools, amenities
- Regulatory changes—Government cooling measures
- Interest rate risk—Impact on mortgage payments
- Liquidity—Property is illiquid compared to other investments
This calculator provides estimates based on current regulations and market conditions. Actual costs and returns may vary. Always consult with property agents, lawyers, and financial advisors before making property investment decisions.
Related calculators: Mortgage Calculator Singapore, HDB Loan Calculator, Rental Yield Calculator