PropertyIQ — Singapore Property Analysis

Mortgage Calculator

Property Price $1,000,000

Down Payment 25%

Loan Tenure 25 years

Interest Rate 3.5%

Monthly Payment

Total Interest

Total Cost

Loan Amount

Stamp Duty Calculator (BSD + ABSD)

Buyer Profile

BSD

ABSD

Total Stamp Duty

CPF OA Usage Calculator

CPF OA Balance

Property Valuation / Price (lower of)

Years of CPF usage

10 years

Max CPF Usable

Accrued Interest (2.5%)

Total Refund on Sale

Total Purchase Cost Breakdown

Legal Fees

Agent Commission %

Renovation Budget

Total Out-of-Pocket

Monthly Cost of Ownership

Property Tax / yr

Maintenance / mo

Insurance / yr

Mortgage

Property Tax

Maintenance

Insurance

Total Monthly Cost

BTO vs Resale HDB

BTO

BTO Price

Grants Eligible

Wait (years)

Net Price

MOP Year

Est. Value at MOP

Resale

Resale Price

Grants Eligible

Remaining Lease (yr)

Net Price

Move-in

Est. Value in 9yr

Rent vs Buy Analysis

Monthly Rent

Property Price to Buy

Annual Appreciation %

Break-even Year

10yr Rent Total

10yr Equity Built

District Comparison

Property Type Comparison

Type	Avg Price	Maint/mo	5yr Apprec.	Rental Yield

SG Property Market Overview (2024-2025)

HDB Resale Index

188.9

+4.9% YoY

Private Prop. Index

196.3

+3.9% YoY

Rental Index

124.8

-1.2% YoY

Avg Mortgage Rate

3.50%

Fixed (4yr pkg)

Average PSF by District (Condo)

Rental Yield by District (Gross %)

District	Area	Avg PSF	Avg Rent/sqft	Gross Yield

HDB Resale Median Prices (2015-2025)

Monthly Transaction Volume (2024-2025)

Affordability Calculator (TDSR / MSR)

Gross Household Income / month $8,000

Existing Debt Obligations / month

HDB / EC Purchase (MSR 30% applies)

Max Monthly Payment (TDSR)

Max Monthly Payment (MSR)

Max Affordable Property Price

Dual Income Affordability

Spouse 1 Monthly Income

Spouse 2 Monthly Income

Total Monthly Debts

HDB / EC Purchase

Combined Income

Max TDSR Payment

Max MSR Payment

Max Affordable Property

SG Housing Grant Calculator

Average Monthly Income

Citizenship

Flat Type

First-Timer Living near parents / children (PHG)

EHG

PHG

Step-Up Grant

Total Grants

Down Payment Planner

Target Property Price

Down Payment %

Current Savings

Monthly Savings

Total DP Needed

Cash Component (5%)

CPF Component

Remaining to Save

Months to Target

Investment Scenario: Property vs S&P 500

Purchase Price

Monthly Rent Income

Annual Appreciation %

Hold Period (years)

Property ROI (annualized)

Total Rental Income

S&P 500 Equivalent (10%/yr)

Property Total Return

CPF Retirement Adequacy Check

Current Age

Current CPF OA Balance

CPF Used for Property

Current CPF SA Balance

Full Retirement Sum (FRS 2025)

Projected RA at 55

Shortfall / Surplus

Property Impact

Renovation Cost Estimator

Kitchen

Bathroom(s)

Num Bathrooms

Flooring

Electrical/Lighting

Carpentry/Built-in

Painting

Hacking/Masonry

Total Renovation Estimate

SG Property Tax Calculator

Annual Value (AV)

Occupancy

Annual Property Tax

Monthly Equivalent

Effective Rate

Condo Maintenance Fee Estimator

Unit Size (sqft)

Development Tier

Est. Monthly Maintenance

Annual Total

Per Sqft / month

99-Year Lease Decay Calculator

Remaining Lease (years)

Current Market Value

Value at 60yr

Value at 40yr

Value at 20yr

Freehold Equiv.

En-Bloc Probability Estimator

Age of Development (years)

Plot Ratio Uplift Potential

Location Desirability

Total Units

En-Bloc Likelihood Score

Property Decoupling Calculator

Current Property Value

Outstanding Loan

2nd Property Price

BSD on Half Share

ABSD Saved (2nd prop)

Net Savings

Interest Rate Sensitivity Analysis

Loan Amount

Current Rate %

Tenure (years)

Rate	Monthly	Change	Extra/yr	Total Interest

Refinancing Calculator

Remaining Loan

Current Rate %

New Rate %

Remaining Tenure (yrs)

Refinancing Cost

Old Monthly

New Monthly

Monthly Saving

Total Lifetime Saving

Break-even Month

Early Repayment Penalty Calculator

Outstanding Loan

Repayment Amount

Penalty Rate %

Lock-in Remaining (months)

Penalty Amount

Interest Saved (remaining lock-in)

Net Benefit

Rental ROI: Full Unit vs Room Rental

Property Value

Full Unit Rent / mo

Rooms Available

Avg Room Rent / mo

Full Unit Yield

Room Rental Yield

Extra Income (Room)

Agent Commission Calculator

Sale / Purchase Price

Flat Fee (if applicable)

Rate	Commission	vs Flat Fee

Price Per Room Calculator

Total Price

Number of Rooms

Total Sqft

Price Per Room

Price Per Sqft

Progressive Payment Schedule (New Launch / BTO)

Purchase Price

Stage	%	Amount	Cumulative

HDB Resale Levy Calculator

Previous Subsidized Flat Type

Resale Levy Payable

Cash-Over-Valuation (COV) Estimator

Flat Type

Town / Area

Typical COV Range

Note

Compare 3 Properties Side-by-Side

Property A

Name

Price

Sqft

Monthly Rent

Property B

Name

Price

Sqft

Monthly Rent

Property C

Name

Price

Sqft

Monthly Rent

Popular School Proximity Guide

Select District

Upcoming BTO Launch Calendar (2025-2026)

MOP Status Checker

Key Collection Date

MOP Period

MOP End Date

Status

Remaining

Mortgage Amortization Table

Loan Amount

Rate %

Tenure (years)

Year	Principal Paid	Interest Paid	Balance

Property Purchase Timeline

Property Type

Neighbouring District Comparison

Select Your District

Furnishing Budget Estimator

Flat Type

Tier

Living Room

Bedrooms

Kitchen

Appliances

Total Furnishing Budget

Moving Cost Estimator (SG)

Flat Size

Movers (Full Service)

Cleaning

AC Service/Install

Total Estimated Moving Cost

Utility Cost Estimator (SP Services)

Flat Type

Electricity

Water

Gas

Total Monthly Utilities

Home Insurance Comparison

Property Value

Coverage	Annual Premium	Coverage Amount	Key Features

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Keyboard Shortcuts

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