( : )


English 华文

For purchase before 4 July 2025 2025年7月4日之前†
For purchase before 15 February 2023 2023年2月15日之前†
For purchase before 6 July 2018 2018年7月6日之前‡
For purchase before 20 February 2018 2018年2月20日之前†
For purchase before 11 March 2017 2017年3月11日之前*

📈Investment Returns at a Glance 投资回报一览 Sample Calculation✍ 样本计算✍

BUC 建筑当中 Resale 转售
Unit no. 单位:

 Type 户型:
Size 面积:
Purchase Price 购买价格 S$

Per Unit Price 单位价 S$

Deal sealed on Month/Stage 签约日期
Additional Buyer Stamp Duty 额外买方印花税‡

BANK LOAN 银行贷款    same interest rate 相同银行利率
Yr1 Rate 第一年利率
% 		Yr2 Rate 第二年利率

% 		Yr3 Rate 第三年利率

%
Rate from Month 年利率-开始月份

%
  
Loan Tenure 贷款期限

 Loan to Value 贷款比率
S$ %
#
L-the no. loan taking | y-tenure | yo-borrower age L-这是第几次贷款 | y-贷款年限 | yo-贷款人年龄
S$








Mnt. Fee/mth 每月物业费

 Fee revision 物业费增减幅度
Property Tax 房产税✽
   Agent's fee for rental 租赁中介费❖
POTENTIAL SAVINGS/RENTAL INCOME 潜在积蓄/租金收入
Owner-Occupied 自住   Rental 出租
Rental/mth Savings/mth✱ 月租收入 每月积蓄✱ S$

 Trend 趋势
Unit Price 单位价 S$
 		Rental Savings starts 月租 积蓄将从交房
mth fr TOP 个月后算起 mth fr Completion 个月后算起
Vacancy Allowance 空置成本 %
Gross Yield 租金回报率%
 Nett Yield 净租金回报率%
Tgt Sale Price 目标售价 S$
Tgt Gain 目标回报 S$
 		Tgt Gain 目标回报率 %
Nett 净

  
  
  


🤔❓                  

Investment Summary 投资概要  

Show Chart 显示图表    Compare Chart 比较图表   Hold Plot Chart 停止绘制图表
EC 执行共管公寓    Deferred Payment Scheme 延期付款计划
                  
⚋Capital ⚋资本 ⚋Mortgage ⚋房贷 ⚋Principal ⚋本金 ⚋Interest ⚋利息 ⚋Outstanding Loan ⚋余款 ⚋Expenses+Interest ⚋花费+利息 ⚋Rental Savings ⚋租金 储蓄 ⚋Rental Yield Savings Yield ⚋租金收益率 储蓄收益率 ⚋Purchase Price ⚋买价 ⚊Tgt Selling Price ⚊目标售价 ⚋ROI ⚋投资回报 ⚋Gain+Principal ⚋连本带利 ⚋Cash-On-Cash ROI ⚋投资回报率 ⚋Selling Price at Tgt % Gain ⚋目标投资回报率售价 % Higher than purchase price 高过买价百分比 Amt Gain 资本收益 Your browser does not support the canvas element. ━   ━   ━   ━  
Vertical guide line 垂直引导线

Target selling price higher than purchase price by 目标售价高于买价百分比

Target selling price with % Gain of 目标赢利百分比

Show Statement 显示报告
Turn on horizontal guide line 显示横线 Turn on horizontal guide line 显示横线
➀
➁

Rate 利率
➂

EMI 月贷
➃
∑
INT 利息
➄
∑
Principal 本金
➅

Loan 余款
➆
∑
Capital 资本
➇
E xpenses 花费
➈
ℜ S ental avings 租金 储蓄
➉
ℜ C evenue ost Saving 收入 节约
➈-➃-➇
Profit
Projection 利润预测
➉/(➃+➇)
ROI
Projection 回报率
(SP-➅-➆-SD+➈)/➆
+  - 

Show Payment Schedule 显示渐进付款时间表

Payment Stages 支付序列 % of Pur Price 总价百分比 Payment 款项 S$ #Pay By 支付
[1a] Option to Purchase/Booking Fee 获得认购权/预购订金 5% 1% 📅

]

Total 首付
Cash Only 现金
[1b] Signing of S&P or within 8 weeks (9 weeks for EC) from date of Option 签署购买协议书时，或者从选购日期的8个星期（执行共管公寓为9个星期）之内 2 weeks from OTP date to exercise 3个星期内执行认购权 15%
4%
Cash/ CPF 现金/公积金 Cash Only 现金 Cash Only 现金
[1c] †Buyer Stamp Duty (BSD) within 14 days upon signing S&P exercising OTP 买方印花税 - 在签署购买协议书的14天内 在执行认购权后的14天内 1st 首 S$180k-1%
Next 随后 S$180k-2%
Next 随后 S$640k-3%
Next 随后 S$500k-4%
Next 随后 S$1.5m-5%
Balance 其余-6% 1st 首 S$180k-1%
Next 随后 S$180k-2%
Next 随后 S$640k-3%
Balance 随后-4% 1st 首 S$180k-1%
Next 随后 S$180k-2%
Balance 其余-3%

]

Total SD 印花税总额
Cash/ CPF 现金/公积金
[1c] ‡Additional Buyer Stamp Duty (ABSD) within 14 days upon signing S&P (no ABSD for purchase of EC) exercising OTP
 额外买方印花税 - 在签署购买协议书的14天内（执行共管公寓则免） 在执行认购权后的14天内 		Cash/ CPF 现金/公积金
Total Downpayment 首付总额 Cash/ CPF 现金/公积金
Top up till LTV 充值至LTV款额 Cash/ CPF 现金/公积金
Total funds required 所需资金总额 Cash/ CPF 现金/公积金

Receive S&P 收到购买协议书 Exercise S&P 签署购买协议书 Pay Stamp Duty
(Cheque/CO/CPF) 		Pay 15%
(Cheque/CO/CPF) 交15%
(支票/本票/公积金)

Within 3 weeks Completion
8/9(EC) weeks completion 8/9(EC)周交易完成
Pay 4%
Exercise OTP
(Cheque/CO) 交1%
执行认购权订
(支票/本票) 		Pay Stamp Duty
(Cheque/CO/CPF) 		Pay 交%
(Cheque/CO/CPF) (支票/本票/公积金)

Completion
2 weeks 2周 10-12 weeks completion 10-12周交易完成

Loan Monthly Instalment 贷款每月支付 S$
[2] On completion of foundation work 在建筑单位的基础工程完成后 [2] Balance within 10-12 weeks from signing of OTP or by completion date 余款-执行认购权后10-12个星期内或交易完成日

(6-9mths 个月) 📅
-
 		Cash/ CPF 现金/公积金 Cash/ CPF 现金/公积金 Cash Only 现金
Cash/ CPF 现金/公积金
[3] On completion of reinforced concrete framework of the building unit 在建筑单位之钢筋混凝土框架结构完成后

(3-6mths 个月) 📅

Cash/ CPF 现金/公积金
[4] On completion of brick of walls of the building unit 在建筑单位之砖块墙壁完成后

(3-6mths 个月) 📅

Cash/ CPF 现金/公积金
[5] On completion of ceiling of the building unit 在建筑单位之天花板完成后

(3-6mths 个月) 📅

Cash/ CPF 现金/公积金
[6] Doors/Window frames/Electrical wiring (w/o light fittings)/Plumbing & Internal Plastering completed 在建筑单位之门和窗户框架已安置，电线（不含配件）、排水系统与水管及内部涂抹灰泥完成后

(3-6mths 个月) 📅

Cash/ CPF 现金/公积金
[7] Car Park / Roads and Drains completed 在建筑楼盘之停车场、道路、排水沟完成后

(3-6mths 个月) 📅

Cash/ CPF 现金/公积金
[8] Temporary Occupation Permit and Architect's Certificate of Completion 在获得暂时入住许可证和建筑师认证完成证书后

(9-12mths 个月) 📅

Cash/ CPF 现金/公积金
[9] Upon completion of Certificate of Statutory Completion (CSC) 在法令完成证书颁发后

(~1yr 年)

Cash/ CPF 现金/公积金
1st Year Loan Instalment 第1年房贷 Cash/ CPF 现金/公积金
2nd Year loan instalment 第2年房贷 Cash/ CPF 现金/公积金
3rd Year loan instalment 第3年房贷 Cash/ CPF 现金/公积金
4th Year loan instalment 第四年房贷 Cash/ CPF 现金/公积金


CashFlow Chart 资金流量表

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Note:- 注释：-
✱

❖

^

✽

# The minimum cash downpayment depends on the buyer's existing bank loan commitments. Please refer to Bank Loan Guide for more info. 最低现金首付取决于买方的银行贷款资料，请参阅银行借贷指南。

‡

†

⁑ 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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