(Revised on 15 February 2023)(修订日期: 2月15日2023)†

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DEFERRED PAYMENT SCHEME
(For EC Purchase) 延迟付款计划
(执行共管公寓购买)

Deferred Payment Scheme (DPS) in this calculator is specifically meant for the purchase of new launch Executive Condomininum. Instead of making progressive payments once contract is signed, DPS buyers need only to pay 20% of the purchase price and Buyer's Stamp Duty, the remaining 80% will only be called for when the development is build and ready to take pocession.

Very often, for existing HDB owners, Bridging Loan which is a short term loan by financial institutions (normally up to 6 months) is incorporated in this scheme. It helps to pay for the down payment of a new property purchase while waiting for the sale proceeds from your existing property. Terms and conditions may vary between financial institutions.


DEFERED PAYMENT SCHEME TIME LINE延迟付款计划时间表
New EC Price执行共管公寓售价: S$
5% Option/Booking Fee认购权费: S$
15% S&P Exercise Fee合约行使费:
upon exercise or 9 wks fr date of Option行使合约时或认购权发行日起9周内		 S$
Buyer's Stamp Duty买方印花税:
within 14 days after signing S&P行使合约后14天内		 S$
Balance余额费用:
notice of vacant possession交房通知		 S$
Bridging Loan Amt桥接贷款额: S$
Bank Loan Amt银行贷贷款:
 S$

Sources Of Funds资金来源
Cash available可用现金: S$
CPF Housing Grants公积金购屋津贴*: S$
OA-CPF available可用普通户头公积金: S$
Bank Loan accessible可获银行贷款数额:
Extend loan tenure to 75 year old将贷款期限延长至75岁^
Loan assessment👈 银行贷款评估👈 		S$
  
Bridging Loan桥接贷款   
Current Market Value of HDB当前政府组屋市值-CMV⁑: S$
CMVCMV: S$
Outstanding loan未偿还贷款: S$
Resale Levy转售税: S$
CPF used + accrued interest公积金动用+应计利息: S$
Bridging Loan-Cash桥接贷款额-现金: S$ 
Bridging Loan-CPF桥接贷款额-公积金: S$ 
Bridging Loan-Cash & CPF桥接贷款额-现金和公积金: S$ 


CashFlow Chart资金流量表

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Note:-注释：-
* CPF Housing Grants approved amount will only be made known upon EC application approval by HDB, thus this amount can only be utilize after 5% cash option/booking fee payment is made. 公积金购屋津贴金额的审批只有在建屋局批准EC申请后才会公布，所以该金额只能在支付 5% 认购权后使用。

⁑ CMV used by financial instutions may vary. 不同金融机构使用的当前市值CMV可能会有所不同。

†

^ For loan tenure from 31 to 35 years or borrower age extend beyond 65 to 75 year old, borrower can loan up to 55% of the sale price with minimum cash down payment of 10%. 对于31至35年的贷款期限或借款人年龄介于65至75岁，最高贷款为55%而最低现金首付款额为销售价格的10%。

^ 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。

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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