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English 华文

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/mthSavings/mth✱月租收入每月积蓄✱ S$

 Trend趋势
Unit Price单位价 S$
 		RentalSavings 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 ⚋RentalSavings ⚋租金储蓄 ⚋Rental YieldSavings 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
Expenses花费
➈
ℜSentalavings租金储蓄
➉
ℜCevenueost 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&Pexercising 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 completion8/9(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 weeks2周 10-12 weeks completion10-12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

hide隐藏    


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。

‡

†

^ Seller Stamp duty (SSD) for residential properties purchased from 11 March 2017: ≤1yr: 12% | >1yr&≤2yrs: 8% | >2yrs&≤3yrs: 4% | >3yrs: 0% 从3月11日2017年购买的私人房产，额外买方印花税: ≤1yr: 12% | >1yr&≤2yrs: 8% | >2yrs&≤3yrs: 4% | >3yrs: 0%

* Seller Stamp duty (SSD) for residential properties purchased between 14 January 2011 and 10 March 2017 (all inclusive): ≤1yr: 16% | >1yr&≤2yrs: 12% | >2yrs&≤3yrs: 8% | >3yrs&≤4yrs: 4% | >4yrs: 0% 从1月14日2011年至3月10日2017年购买的私人房产，额外买方印花税: ≤1yr: 16% | >1yr&≤2yrs: 12% | >2yrs&≤3yrs: 8% | >3yrs&≤4yrs: 4% | >4yrs: 0%

⁑ 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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