Financial Calculation for buying Singapore Property

The two main factors which determine your ability to own a private property (or HDB) are Eligibility & Affordability.

Before you step into a show flat (or resale market), it is good to have a basic understanding of your Buying/Holding Power and the Payment Process.

This guide will allow you to have an idea of the estimated value of the property that you could comfortably afford. 当你决定想拥有私人房产或政府组屋，两个主要考虑因素是政策符合和负担能力。

当你踏入展销厅（或转售市场）之前，最好先了解您的可负担能力和付款流程。

本银行借贷指南让你对可贷项款百分比有个概念。

#bankloan Firstly, you'll need to find out the percentage of 🏦Loan you could possibly borrow from a bank, e.g. 50%, 60%, 75%, etc. This will determine how much Cash💵 and CPF💲 components you need for the purchase. 首先，您需要知道能从银行🏦借贷款项的百分比，例如50％，60％，75％等。这将确定您需要预备多少现金💵和公积金存款💲。

Loan-To-Value - LTV 房贷与价值比率 - LTV

Secondly, you'll need to determine the estimated amount you are able to loan.

If you are buying a private property, you'll need to calculate your loan quantum based on TDSR (Total Debt Servicing Ration) and, both TDSR and MSR (Mortgage Servicing Ratio) if you are buying an Executive Condominium. 其次，您需要估算您可以借贷的金额。

如果您要购买私人房产，需以于TDSR（总偿债率）来估算您的贷款额。如果要购买执行共管公寓，则需以TDSR和MSR（每月偿还贷款比率）来计算您的贷款额。

Next, you'll need to find out the amount of cash or CPF (applicable to Singaporean Citizen and Permanent Resident) or both available, for the initial downpayment. Do take note that for 2nd property loan and above, minimum sum may apply!

接下来，您需要找出可用于初始首付的现金或公积金（适用于新加坡公民和永久居民）或两者均用。请注意，对于第二个或以上的房贷，需根据最低公积金存款条例！

You may want to use the various Financial Tools available here like Affordability Check to understand your financial prudence on the commitment. 您可以使用这里提供的其他计算工具如 Affordability Check（可负担能力测试）来了解您所将要投资项目的可行性。