Calculator ยท Industrial property
Industrial purchase calculator
This calculator is set up for industrial property: B1 and B2 units, food factories and similar space. In one place you see the price, the GST riding on every instalment, non-residential buyer's stamp duty, your cash outlay up to week eight, and the stage-by-stage drawdown. The loan rate opens at 2.10% a year and the price at an illustrative figure; replace both with your own.
Your inputs
Every box below recalculates the moment you edit it.
Illustrative figure, enter your own price.
Banks usually keep 90% for a business buying space it will run from; a unit bought to let tends to top out around 80%.
Lock-in periods end; enter the rate you expect afterwards, since that is usually what you pay longest.
Rent and area are guesses of yours, used solely for the tax tile further down.
Weeks 0 to 8 after booking
Choose your booking day to see real dates beside each week.
The loan at a glance
Using the lending share picked on the left.
What falls due in weeks 0 to 8
Every payment carries its own 9% GST, payable alongside it.
Your own cash before building starts
Your own money only; sums released by the lender sit elsewhere.
That figure covers the start alone. Later instalments come out of the loan as each stage is certified, yet their GST still leaves your bank account.
Payments by construction stage
The stages come from the statutory schedule for industrial units sold before completion; actual timing follows the building work, not the calendar.
Scroll the table sideways on a phone
| Stage | When | % | Payment | GST 9% | From you | From the loan | Loan % | Interest | Principal | Monthly bill |
|---|
Monthly instalment
After the whole loan has been released.
During construction the lender bills interest on released money alone, so repayments climb stage after stage, as the two right-hand columns of the schedule illustrate.
Property tax, rough guide
Levied once TOP is issued; building years carry none.
Factories and warehouses pay a flat 10% of annual value each year; IRAS sets that value by looking at rents for comparable space, whatever figure you type.
70%, 80% and 90% lending compared
Term and rate are held; each column borrows a different share.
What sets an industrial purchase apart
Most new industrial units attract 9% GST instalment by instalment; GST-registered firms can often reclaim it as input tax. ABSD never applies, yet reselling inside three years triggers seller's stamp duty. Banks often lend up to 90% to a company buying space for its own operations, and closer to 80% for a unit bought to let.
The property tax box at the foot of the calculator uses your own rent assumption; IRAS sets the actual annual value.
Related tools
The industrial property guide covers zoning, the 60:40 use rule, JTC leases and financing. The industrial and commercial stamp duty calculator shows the duty bands on their own, and the seller's stamp duty guide explains the industrial schedule. Industrial projects in the directory are on the industrial page.
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