Singapore Investment Property Calculator
Rental Yield: 48%
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| Monthly | Annual | Total | |
| Cash Flow Analysis | SGD | SGD | SGD |
| Rental Income | $3,200 | $38,400 | - |
| Mortgage Payment | $3,045 | $36,540 | $911,000 |
| Property Expenses | $967 | $11,600 | - |
| Net Cash Flow | -$812 | -$9,740 | - |
| Investment Returns | Rate | Amount | Yield |
| Gross Rental Yield | 4.8% | $38,400 | - |
| Net Rental Yield | 3.4% | $26,800 | - |
| Cash-on-Cash Return | -3.3% | -$9,740 | - |
| Cap Rate | 3.4% | $26,800 | - |
| Investment Analysis | Value | ||
| Initial Investment | $298,000 | ||
| Property Value (10 years) | $1,127,000 | ||
| Total Return (10 years) | $232,000 | ||
| Annualized Return | 6.8% | ||
| Investment Grade | Rating | ||
| Cash Flow Rating | Poor | ||
| Yield Rating | Good | ||
| Overall Rating | Fair | ||
| Investment Risk | Medium | ||
Investment Property Analysis
| Year | Rental Income | Net Cash Flow | Property Value |
|---|---|---|---|
| 1 | $38,400 | -$9,740 | $828,000 |
| 3 | $41,400 | -$6,200 | $885,000 |
| 5 | $44,600 | -$2,400 | $947,000 |
| 7 | $48,100 | $1,600 | $1,014,000 |
| 10 | $52,800 | $6,800 | $1,127,000 |
The Singapore Investment Property Calculator helps investors analyze the financial performance of real estate investments, including rental yields, cash flow, and return on investment.
Investment Property Analysis
Property investment in Singapore requires careful analysis of multiple financial metrics to determine profitability and investment viability. Understanding yields, cash flows, and total returns is essential for making informed investment decisions.
Key Investment Metrics
Rental Yield Calculations
| Metric | Formula | Good Range | Purpose |
|---|---|---|---|
| Gross Rental Yield | (Annual Rent ÷ Property Price) × 100 | 4-6% | Basic income return |
| Net Rental Yield | ((Annual Rent - Expenses) ÷ Property Price) × 100 | 3-5% | True income return |
| Cash-on-Cash Return | (Annual Cash Flow ÷ Initial Investment) × 100 | 5-10% | Return on cash invested |
| Cap Rate | ((Annual Rent - Expenses) ÷ Property Price) × 100 | 4-7% | Property valuation |
Singapore Property Yields by Type
| Property Type | Typical Gross Yield | Typical Net Yield | Investment Level |
|---|---|---|---|
| HDB Resale | 3.5-5.0% | 2.5-4.0% | Entry Level |
| Private Condo | 3.0-4.5% | 2.0-3.5% | Mid-Range |
| Landed Property | 2.5-4.0% | 1.5-3.0% | High-End |
| Commercial | 4.0-7.0% | 3.0-6.0% | Professional |
Investment Costs in Singapore
Purchase Costs
| Cost Item | Rate/Amount | Who Pays | Notes |
|---|---|---|---|
| Buyer's Stamp Duty | Up to 4% | Buyer | Progressive rates |
| Additional Buyer's Stamp Duty | 17-60% | Buyer | For additional properties |
| Legal Fees | $2,500-5,000 | Buyer | Conveyancing |
| Agent Commission | 1-2% | Seller | Sometimes shared |
| Valuation Fee | $500-1,500 | Buyer | For mortgage |
Ongoing Expenses
| Expense Type | Typical Range | Frequency | Notes |
|---|---|---|---|
| Property Tax | 0.4-0.6% of value | Annual | Higher for non-residents |
| Maintenance & Repairs | 0.5-1.0% of value | Annual | Varies by property age |
| Management Fees | 5-10% of rent | Monthly | If using agent |
| Insurance | 0.1-0.2% of value | Annual | Fire and mortgage insurance |
| Vacancy Allowance | 5-10% of rent | Annual | Expected vacancy periods |
Investment Strategies
Cash Flow vs Capital Growth
| Strategy | Focus | Typical Properties | Pros | Cons |
|---|---|---|---|---|
| Cash Flow | Rental income | HDB, older condos | Regular income | Lower capital growth |
| Capital Growth | Property appreciation | Prime locations | Higher total returns | Negative cash flow |
| Balanced | Both income and growth | Good location condos | Diversified returns | Moderate performance |
Risk Factors
Investment Risks
- Market Risk—Property values may decline
- Vacancy Risk—Periods without rental income
- Interest Rate Risk—Rising rates increase costs
- Liquidity Risk—Properties take time to sell
- Regulatory Risk—Government policy changes
- Maintenance Risk—Unexpected repair costs
Risk Mitigation Strategies
| Risk | Mitigation Strategy | Implementation |
|---|---|---|
| Vacancy | Location and tenant quality | Choose high-demand areas |
| Interest Rate | Fixed rate loans | Lock in rates when low |
| Market Decline | Long-term holding | Buy and hold strategy |
| Maintenance | Reserve funds | Set aside 1-2% annually |
How to Use the Calculator
To use the Singapore Investment Property Calculator:
- Enter the property purchase price
- Input down payment and loan details
- Enter expected monthly rental income
- Include property expenses and costs
- Add investment assumptions
- Review advanced options if needed
- Click "Calculate" to see results
The calculator will show rental yields, cash flow analysis, and investment returns over time.
This calculator provides estimates based on the information provided. Actual investment performance depends on market conditions, property management, tenant quality, and economic factors. Always consult with qualified real estate professionals and financial advisors before making investment decisions.
Related calculators: Property Calculator, Mortgage Calculator, Stamp Duty Calculator