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Sources of Funds资金来源 |
Amount数额 ($) |
Remarks备注 |
| 1) |
Cash Availabe/Required可用/所需 现金
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1st 5% downpayment is to be paid by cash首付5％须以现金支付 |
| 2) |
CPF - Ordinary Account (OA)普通户头(OA) *
Fully utilise CPF充分利用公积金
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⁑Can be used for the subsequent payments可用支付接下来的还款
Check amt @ CPF Online公积金网查询金额 |
| 3) |
Potential sale proceeds of existing property潜在卖屋收益 |
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Target sale price - outstanding loan amt (non-cash component)目标销售价-未偿还贷款金额（为非现金收益） |
| 4) |
1st Timer's Grant第一次购屋者购屋津贴 † |
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Check amt @ EC Guide
可在EC指南查阅津贴金额 |
| 5) |
Resale Levy for 2nd Timer第二次购屋者卖屋转售抽润 † |
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Check amt @ EC Guide
可在EC指南查阅转售抽润金额
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| 6) |
Bank Loan银行贷款 |
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Based on
TDSR /
MSR /
TDSR & MSR (EC)
根据
TDSR /
MSR /
TDSR & MSR (EC)
贷款条例
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| 7) |
Total funds available to you可用资金总额 |
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(1)+(2)+(3)+(4)+(6)-(5) |
| 8) |
Aditional Buyer Stamp Duty额外买方印花税 |
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5% - SPR 1st🏠永久居民第一房产
✤17%20% - S'porean 2nd🏠新加坡公民第二房产
✤25%30% - S'porean 3rd🏠 & after and SPR 2nd🏠新加坡公民第三与随后房产和永久居民第二房产
✤30%35% - SPR 3rd🏠永久居民第三与随后房产
✤30%60% - Foreigner外国人
✤35%65% - Entities实体
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| 9) |
Indicative value of property可购买产业价值 ‡ |
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All stamp duties have been included in the calculation所有印花税已纳入计算内 |
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➊ Without Loan无贷款 |
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➋ Maximize Cash现金最大化 |
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➌ Maximize Loan贷款最大化 - 75% |
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Loan conditions贷款条件⁑ |
L-This is the no.? loan taking
y-Loan tenure
yo-Age of applicant
L-这是第几次贷款
y-贷款契约年限
yo-贷款人年龄
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Sources of Funds资金来源
Funding Combination Options购买方式
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User Guide用户指南
🤔❓
Download our
Property APPs安装我们的
房产计算机
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Notes注释:
✤ ABSD payable from 27 April 2023: SPR 1st🏠-5% 2nd🏠-30% 3rd🏠& after-35% | S'porean 2nd🏠-20% 3rd🏠& after-30% | Foreigner^ 60% | Entities 65% (Plus additional 5% for Housing Developers, non-remittable)从4月27日2023起需缴额外买方印花税：永久居民第一🏠-5% 第二🏠-30% 第三与之后🏠-35%| 新加坡公民第二🏠-20% 第三与之后🏠-30% | ✤外国人-60% | 实体-65% (开发商加5%)
^ 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。
*
Setting aside of Basic Retirement Sum applies to:
a) CPF is used on the purchase of existing property
b) buyer aged 55 & above
需保留基本存款如：
a) 已动用过CPF购买现有的产业
b) 55岁及以上买家
⁑ 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。
† For EC Buyer only仅限EC买家
‡ Stamp duties can be paid by Cash or CPF印花税可以现金或公积金支付
‡ 5% Cash and 15% (Cash or Cash+CPF) are factored in the calculation计算已包括5％的现金和15％（现金/现金+公积金）
# W.e.f. 15 February 2023, BSD for residential properties to increase from 4% to 5% for the portion of the value between $1.5-$3 million and 4% to 6% in excess of $3 million.从2月15日2023起，凡屋价S$1.5M-S$3M的差额，私宅买方印花税将从4%增至5%，而$3M以上的差额则增至6%。
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