Calculators
Property calculators, sorted by type
Each calculator here applies the rules for one kind of property. A private condominium, an executive condominium, a factory unit and a shop are taxed, financed and paid for under different schedules, so the tools are grouped by type and each one says which purchase it is built for. Every price box opens with a round illustrative figure; replace it with the price you are weighing.
Private homes
For condominiums, apartments and landed homes bought from a developer or on the resale market.
- Home loan and TDSR calculator: the largest loan your income supports, set against the loan-to-value cap.
- Progressive payment calculator for private homes: cash, CPF and bank shares at every construction stage, with the monthly bill.
- Stamp duty calculator for private homes: buyer's stamp duty and ABSD for each buyer profile.
Executive condominiums
For new ECs bought from the developer under HDB's eligibility rules.
- EC affordability calculator: the 30% mortgage servicing test and the 55% debt test side by side.
- EC progressive payment calculator: stage payments with the CPF housing grant shown separately.
- EC stamp duty calculator: duty for citizen and permanent-resident households.
Industrial property
For B1 and B2 units, food factories and other JTC or private industrial space.
- Industrial purchase calculator: GST, duty, the first eight weeks of cash and the loan, stage by stage.
- Stamp duty for industrial and commercial property: the non-residential bands, shared with commercial buyers.
Commercial property
For offices, shops, clinics and other commercial strata units.
- Commercial purchase calculator: the same staged view, set up for a commercial purchase.
- Stamp duty for industrial and commercial property: one page covers both, because the bands are the same.
Before you rely on a result
The results are estimates for planning. Lenders layer their own underwriting over the MAS limits, and IRAS, HDB and CPF Board can change rates at short notice. The buying guides explain each rule in full, and the project directory lists developments of every type.
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