Enter Property & Buyer Details
Entries stay in your browser unless you choose to send the generated summary through WhatsApp. Results are indicative and are not an official tax assessment, HFE, IPA or loan approval.
1. Property price, market value and tax basis
IRAS basis: BSD and ABSD are each computed on the higher of the purchase price stated in the dutiable document or the property market value. They are separate taxes even though they normally use the same dutiable basis.
Do not guess merely to make the calculator work. If left blank, purchase price is used provisionally and the result is flagged for valuation verification.
BSD dutiable basisS$1,500,000
ABSD dutiable basisS$1,500,000
Basis status: Market value not entered. Purchase price is being used provisionally for both BSD and ABSD.
Mixed-use, shophouse, residential land and apportioned-use transactions require separate tax review.
2. Financing structure
Do not use loan count for ABSD. Outstanding housing loans affect financing/LTV awareness. Residential properties owned affect ABSD. They are intentionally separate fields.
The count affects the indicative maximum LTV tier for a new bank housing loan. The remaining balance percentage does not replace this count.
Included in TDSR debt-service awareness. Enter the combined monthly repayment if there is more than one existing housing loan.
Balance ÷ existing property value. Financial-safety awareness only; it does not alter the MAS outstanding-loan count.
Examples: car loan, personal loan and credit instalments. Do not duplicate the existing housing-loan repayment entered above.
Existing housing repayment + other monthly debt.
Used for cash-flow repayment. For bank-loan TDSR/MSR awareness, the calculator separately applies at least the prevailing 4% MAS medium-term floor; HDB loan eligibility uses the prevailing HDB assessment floor.
3. Buyer profile and ABSD property count
ABSD count: enter the number of Singapore residential properties each buyer owns before this purchase. Partial and joint interests can count. Overseas residential properties are not included in the Singapore ABSD property count.
Conditional concessions are flagged for IRAS verification and are not automatically deducted.
Buyer 1Required
30% haircut used for awareness.
SC · 1st residential property · indicative ABSD 0%
Buyer 2Optional
Buyer 3Optional
4. Acquisition funds and holding power
Actual use remains subject to CPF rules.