UProperty.sg Intelligence Tool
Singapore Property Readiness & Holding Power Score
A practical planning tool to estimate whether a property purchase appears comfortable, stretched, or high-risk based on affordability, debt servicing, upfront funds, stress-rate holding power, and Singapore property policy considerations.
1. Property & Buyer Profile
For joint purchases with different profiles, IRAS generally applies the highest applicable ABSD profile to the entire property value.
Use 999 for freehold / 999-year leasehold.
2. Loan & Interest Assumptions
Use a higher rate to test holding power.
3. Income, Debt & Monthly Holding Cost
Used for practical cash-flow holding power.
Car loans, personal loans, credit cards, other mortgages, etc.
MCST, property tax estimate, insurance, repairs, upkeep.
4. Upfront Funds & Personal Buffer
Legal, valuation, admin, moving, furnishing buffer.
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Enter details to calculate
This score estimates property readiness and holding power using affordability, stress-rate repayment, funds adequacy, and buffer strength.
Estimated Loan
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Based on selected LTV.
Monthly Repayment
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Based on selected rate and tenure.
Stress Monthly Repayment
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Higher interest-rate holding power.
TDSR Estimate
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Uses gross monthly income.
Estimated BSD
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Residential BSD estimate.
Estimated ABSD
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Based on selected buyer profile.
Estimated Upfront Cost
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Downpayment + BSD + ABSD + other costs.
Funds Surplus / Shortfall
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Available funds minus estimated upfront cost.
Score Breakdown
Base TDSR strength—
Stress-rate TDSR resilience—
Monthly cash-flow holding power—
Upfront funds adequacy—
Emergency buffer—
Lease / CPF age-95 awareness—
Purpose-fit risk adjustment—
Need help interpreting the result?
A score is only a starting point. The real decision should also consider life stage, family commitments, CPF planning, exit strategy, and whether the property is for own stay or investment.
Discuss Your Property Plan
Important Disclaimer:
This tool is for general education and planning only. It is not financial advice, legal advice, tax advice, investment advice, loan approval, or a recommendation to buy or sell any property. Figures are estimates and may not reflect bank underwriting, CPF limits, HDB rules, EC eligibility, ABSD remission, legal treatment, or your full personal circumstances. Please verify with official sources: MAS TDSR, IRAS Stamp Duty, CPF Housing Usage, and where relevant, consult a licensed financial institution, lawyer, tax professional, or CEA-registered property salesperson.
This tool is for general education and planning only. It is not financial advice, legal advice, tax advice, investment advice, loan approval, or a recommendation to buy or sell any property. Figures are estimates and may not reflect bank underwriting, CPF limits, HDB rules, EC eligibility, ABSD remission, legal treatment, or your full personal circumstances. Please verify with official sources: MAS TDSR, IRAS Stamp Duty, CPF Housing Usage, and where relevant, consult a licensed financial institution, lawyer, tax professional, or CEA-registered property salesperson.