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UProperty.sg Planning Tool

Singapore Property Readiness & Holding Power Score

A practical Singapore property planning calculator to estimate whether a purchase appears comfortable, stretched, or high-caution based on debt servicing, stress-rate repayment, upfront funds, cash-flow buffer, stamp duty exposure, and lease-age awareness.

TDSR-style affordability check
Stress-rate holding power
BSD & ABSD estimates
CPF lease-age awareness

Property & Buyer Profile

Start with the higher of purchase price or market value where applicable, property type, buyer profile, purpose, and remaining lease.

Stamp duty is generally computed on the higher of purchase price or market value.
For joint purchases with different profiles, IRAS generally applies the highest applicable ABSD profile to the entire property value. This tool does not handle remission, decoupling, trust, developer, matrimonial, inheritance, or treaty-specific scenarios.
Use 999 for freehold / 999-year leasehold.

Loan & Interest Assumptions

Test both estimated repayment and a higher stress-rate repayment to understand practical holding power.

Actual LTV may be lower depending on loan count, age, tenure, property type, credit assessment, and rules at the time of application.
Use a higher rate to test repayment pressure if interest rates rise or promotional rates end.
A planning score cannot verify borrowing capacity. HDB-flat buyers should rely on a valid HFE; bank-financed buyers should obtain an applicable IPA.

Income, Debt & Holding Cost

Include existing obligations and monthly property costs that are often underestimated.

Used for practical cash-flow holding power. If left as 0, the tool estimates 80% of gross income.
Car loans, personal loans, credit cards, student loans, other mortgages, etc.
MCST / S&CC, property tax estimate, insurance, repairs, agent/admin allowance, and upkeep.

Upfront Funds & Personal Buffer

Estimate whether available cash and CPF OA can cover upfront requirements while preserving a safety buffer.

Legal, valuation, admin, moving, renovation, furnishing, and miscellaneous buffer.

UProperty.sg tools are designed to support clearer, calmer, and more responsible property planning in Singapore. Always verify policy-sensitive matters with official sources.