1. Property and buyer profile
BSD and ABSD are calculated on the purchase price entered. In an actual transaction, stamp duty is based on the higher of purchase price or market value.
2. Mortgage and purchase costs
The cash down payment, CPF down payment and mortgage should equal the purchase price. The calculator will flag any difference.
3. Renting assumptions
The renter invests the cash purchase costs avoided, plus any monthly amount by which renting is cheaper. CPF not used for the purchase remains in CPF and earns the CPF rate.
4. Ownership and selling costs
Important notes and official references
- This is an educational estimate, not financial, tax, CPF or property advice.
- CPF accrued interest is returned to your CPF account on sale. It reduces cash proceeds but remains your asset.
- ABSD remission, decoupling, joint purchases, grants, CPF withdrawal limits, lease-age restrictions and income tax effects are not modelled.
- HDB eligibility, MSR/TDSR and bank approval must be checked separately.
Rates should be checked before acting: IRAS BSD · IRAS ABSD · IRAS property tax · CPF housing guidance.