Ten Eleven Club

Tools

Property Calculators

Quick, no-obligation estimates to help you plan your purchase, sale or investment.

Mortgage Estimator

Estimate your monthly loan repayment based on purchase price, down payment and interest rate.

SGD
Down Payment
%
% p.a.
years

Estimated Monthly Payment

$18,773

Loan Amount$3,750,000
Down Payment (25.0%)$1,250,000
Total Interest$1,882,015

For illustration only. Actual rates and eligibility depend on bank approval and MAS regulations.

Stamp Duty (BSD & ABSD)

Buyer's Stamp Duty and Additional Buyer's Stamp Duty for residential property in Singapore.

S$
Buyer's Stamp Duty (BSD)$239,600
ABSD @ 0%$0
Total Stamp Duty Payable$239,600

BSD: 1% first S$180k, 2% next S$180k, 3% next S$640k, 4% next S$500k, 5% next S$1.5m, 6% above S$3m. ABSD rates effective 27 Apr 2023. Nationals and PRs of Iceland, Liechtenstein, Norway and Switzerland, and US nationals, are accorded the same stamp duty treatment as Singapore Citizens under the FTAs: ABSD is first charged at the 60% foreigner rate, then remitted down to the Citizen rate — the balance ABSD shown above (0% on a 1st property, 20% on a 2nd, 30% on a 3rd and subsequent). The remission is granted by IRAS through a remission certificate obtained via myTax Portal, so it has to be applied for. For joint purchases the highest applicable rate applies. Stamp duty is due within 14 days of exercising the OTP. Verify with IRAS.

TDSR / MSR Loan Assessment

Check your loan against the Total Debt Servicing Ratio (55%) and Mortgage Servicing Ratio (30%).

S$

Bonus, commission, rental — 30% haircut applied

S$

Car loans, credit facilities, other property loans

S$
S$
years
%
Assessable Monthly Income$15,000
Monthly Instalment (stress-tested)$9,548
TDSR (limit 55%)69.0%
Maximum Loan Eligible$1,560,486

Exceeds limits — consider a pledge / show fund

Banks use a medium-term interest rate floor (currently 4% for residential) for assessment. Indicative only.

Pledge / Unpledge Assessment

Work out how much cash to pledge, or show as unpledged funds, to meet a TDSR shortfall.

S$

Bonus, commission, rental — 30% haircut applied

S$

Car loans, credit facilities, other property loans

S$
S$
years
%
Income Required (55% TDSR)$18,815
Monthly Income Shortfall$3,815
Option A — Pledge (locked 48 months)$183,125
Option B — Unpledge / Show Fund$610,416

Pledged deposits are counted as income over 48 months. Unpledged financial assets have a 70% haircut before being spread over 48 months. Bank policies vary.

Rental Yield Calculator

Work out gross and net rental yield for an investment property.

S$
S$

Maintenance, property tax, management fees

S$

Gross Yield

4.32%

Net Yield

3.72%

Stamp duty and financing costs are excluded.

Timeline Planning

Plan the key milestones of your purchase from the date the Option to Purchase is granted.

Used to estimate the funds released at each milestone

S$

Milestones & Funds Released

  1. 7 Oct 2026

    Option to Purchase granted (1% option fee)

    Funds: Buyer pays $20,000 option fee to seller

  2. 21 Oct 2026

    Exercise OTP (4% balance deposit) — within 14 days

    Funds: Buyer pays $80,000 to seller's lawyer (held as deposit)

  3. 4 Nov 2026

    Stamp duty (BSD/ABSD) due — 14 days after exercise

    Funds: Buyer pays BSD of $69,600 (plus ABSD if applicable) to IRAS

  4. 2 Dec 2026

    Loan / CPF arrangements finalised

    Funds: Bank confirms loan disbursement; CPF withdrawal approved

  5. 30 Dec 2026

    Legal completion & key collection (~8–12 weeks)

    Funds: Balance $1,900,000 released to seller; seller's mortgage redeemed and CPF refunded from proceeds; keys handed over

Dates and amounts are estimates. Actual timelines and fund releases depend on HDB, lawyers, banks and developers.

Need a tailored financial plan?

Our team can connect you with mortgage specialists and guide you through ABSD, BSD and financing structures.

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