(Revised on 27 April 2023) (修订日期: 4月27日2023)

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SG Property Purchase Affordability Check 新加坡买房预算

Sources of Funds 资金来源 Amount 数额 ($) Remarks 备注
1) Cash Required 所需现金
1st 5% downpayment is to be paid by cash 首付5％须以现金支付
Cash Available 可用现金
2) CPF - Ordinary Account (OA) 普通户头(OA)
Fully utilise CPF 充分利用公积金 		Can be used for the subsequent payments 可用支付接下来的还款
Check amt @ CPF Online 公积金网查询金额
3) Potential sale proceeds of existing property 潜在卖屋收益 Target sale price - outstanding loan amt (non-cash component) 目标销售价-未偿还贷款金额（为非现金收益）
4) 1st Timer's Grant 第一次购屋者购屋津贴 † Check amt @ EC Guide 可在EC指南查阅津贴金额
5) Resale Levy for 2nd Timer 第二次购屋者卖屋转售抽润 † Check amt @ EC Guide 可在EC指南查阅转售抽润金额
6) Bank Loan 银行贷款
Select transfer amount from TDSR or MSR in Loan Assessment 请在贷款评估中选择转移金额（TDSR 或 MSR）
7) Total funds available to you 可用资金总额 (1)+(2)+(3)+(4)+(6)-(5)
8) Aditional Buyer Stamp Duty 额外买方印花税 ▪ 5% - SPR 1st🏠 永久居民第一房产
▪ 17%20% - S'porean 2nd🏠 新加坡公民第二房产
▪ 25%30% - S'porean ≥3rd🏠 | SPR 2nd🏠 新加坡公民第三与随后房产和永久居民第二房产
▪ 30%35% - SPR 3rd🏠 永久居民第三与随后房产
▪ 30%60% - Foreigner 外国人
▪ 35%65% - Entities 实体
9) Indicative value of property 可购买产业价值 ‡ All stamp duties have been included in the calculation 所有印花税已纳入计算内
➊ Without Loan 无贷款
➋ Maximize Cash 现金最大化
➌ Maximize Loan 贷款最大化 - 75%
Loan conditions 贷款条件
L-This is the no.? loan taking
y-Loan tenure
yo-Age of applicant L-这是第几次贷款
y-贷款契约年限
yo-贷款人年龄

   


User Guide 用户指南


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Notes 注释:

Citizens of the USA, Citizens & Permanent Residents of Switzerland, Liechtenstein, Norway and Iceland shall be treated the same as Singapore Citizens due to FTA agreement. 基于自由贸易协定（FTA），凡美国公民、瑞士、列支敦士登、挪威、冰岛的公民和永久居民都享有和新加坡公民在印花税务上同等的待遇。

Setting aside of Basic Retirement Sum applies to:
  a) CPF is used on the purchase of existing property
  b) buyer aged 55 & above 需保留基本存款如：
  a) 已动用过CPF购买现有的产业
  b) 55岁及以上买家

Loan Assessment Calculator 贷款评估计算机
Please refer to Bank Loan Guide for minimum cash downpayment and Loan To Value (LTV). 最低现金首付和贷款比率取决于买方的银行贷款记录，请参阅银行借贷指南。
† For EC Buyer only 仅限EC买家
‡ Stamp duties can be paid by Cash or CPF 印花税可以现金或公积金支付
‡ 5% Cash and 15% (Cash or Cash+CPF) are factored in the calculation 计算已包括5％的现金和15％（现金/现金+公积金）
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Disclaimer:
While all reasonable care was undertaken to ensure accuracy of the information and calculation, the agent and his agency will not be held responsible for any discrepancy. For feedback, please contact Cyan Ho at (+65)9066 6966 or via email cyanyc@gmail.com 免责声明：
尽管已采取一切合理措施确保信息和计算的准确性，如有误差其房屋经纪和经纪公司将不付任何法律责任。如有意见或反馈，请联络何永全(+65)9066 6966或电邮cyanyc@gmail.com


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