(Revised on 27 April 2023)(修订日期: 4月27日2023)
(Revised on 15 February 2023)(修订日期: 2月15日2023) †
(Revised on 16 December 2021)(修订日期: 12月16日2021)

English 华文


With ABSD (Additional Buyer's Stamp Duty), buyers who wish to own their next property may want to check if the additional fee paid is reasonable or will it make more sense to dispose off on hand property prior next purchase?

This calculator is to work out the cost involved for the decoupling after feasibility check.

You may want to conduct a Decoupling Feasibility Check👆 before proceed with the cost calculation. 基于ABSD（额外买方印花税），想拥有下一套房产的买家可以先测试支付的额外费用是否合理，或抛售现有的房产后再购买下一套会更合乎经济效益？

此计算机用于脱钩方案可行性测试后计算所涉及的成本。 👉脱钩买房测试。


DECOUPLING CALCULATOR脱钩买房计算机

➊Property Valuation房产估值
 ➋Outstanding Loan未偿还贷款
Seller卖方

Selling within years from purchase购买后几年内出售

Buyer买方

Including this shares transfer, the number of properties on hand包括此股份转让，房产数量为:

% Shares股份 % Shares股份
➀CPF used + accrued interest公积金动用 + 应计利息 ➀Current CPF OA balance当前的(普通户头OA)公积金余额
➁Valuation估值 ➁Valuation估值
➂Seller's Stamp Duty卖家印花税 SSD
 ➂Stamp Duties of ➁转售➁的印花税总额 i+ii

i.Buyer's Stamp Duty买方印花税-BSD†

ii.Additional Buyer's Stamp Duty额外买方印花税

➃Outstanding Loan未偿贷款 ➃Outstanding Loan未偿贷款
➄Option & Exercise fees received收到的购买期权和行使费 (1%+4%)
 ➄Option & Exercise fees购买期权和行使费 (1%+4%)
➅CPF Refund需填补公积金 ➅Completion Fees完成交易所需款项 ➁-➄-➆+➃
Cash Proceed现金收益 ➁-➂-➅ ➆New Loan amt新贷款额   +   −

➇CPF to offset balance公积金抵销余额

➈Cash required for completion完成交易所需现金 ➅-➇
➌Estimated legal fee and miscellaneous expenses (not included in the above calculation)预计法律费用和其他费用（不包括在上述计算中）
Total Cash involved涉及现金总额 ➈+➂+➄+➌
Notes注解:-
➂ Stamp duties (BSD + ABSD) are to be paid within 14 days after exercise contract. Stamp duties paid can apply for CPF refund, subject to approval.印花税应在合同行使后14天内支付。已缴印花税可以向税务局申请CPF退款，但须经批准。

➌ Legal fee is referring to the fee required for selling and buying.律师费是指买和卖的费用。

CashFlow Chart资金流量表

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Decoupling Feasibility Check
👆Compare options? 脱钩买房测试
👆比较选项？

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Note: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。

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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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