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.

TDSR-style affordability check

Stress-rate holding power

BSD & ABSD estimates

CPF lease-age awareness

Property & Buyer Profile

Start with the property value, property type, buyer profile, purpose, and remaining lease.

Property Purchase Price / Value (S$)

Property Type

ABSD Buyer Profile

For joint purchases with different profiles, IRAS generally applies the highest applicable ABSD profile to the entire property value.

Purchase Purpose

Remaining Lease (Years)

Use 999 for freehold / 999-year leasehold.

Loan & Interest Assumptions

Test both normal repayment and stress-rate repayment to understand holding power.

Target Loan-to-Value (%)

Loan Tenure (Years)

Estimated Interest Rate (%)

Stress-Test Interest Rate (%)

Use a higher rate to test holding power during rate changes.

Income, Debt & Holding Cost

Include existing obligations and the monthly property costs that buyers often underestimate.

Gross Monthly Household Income (S$)

Estimated Monthly Take-Home Income (S$)

Used for practical cash-flow holding power.

Existing Monthly Debt Obligations (S$)

Car loans, personal loans, credit cards, other mortgages, etc.

Monthly Property Holding Cost (S$)

MCST, property tax estimate, insurance, repairs, upkeep.

Expected Monthly Rent, if Investment (S$)

Vacancy Allowance per Year (Months)

Upfront Funds & Personal Buffer

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

Available Cash + CPF OA for Purchase (S$)

Other Purchase Costs Estimate (S$)

Legal, valuation, admin, moving, furnishing buffer.

Emergency Buffer After Purchase (Months)

Youngest Buyer Age

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Score / 100

Enter details to calculate

This score estimates property readiness and holding power using affordability, stress-rate repayment, funds adequacy, and buffer strength.

Estimated Loan—Based on selected LTV.

Monthly Repayment—Based on selected rate and tenure.

Stress Monthly Repayment—Higher interest-rate holding power.

TDSR Estimate—Uses gross monthly income.

Estimated BSD—Residential BSD estimate.

Estimated ABSD—Based on selected buyer profile.

Estimated Upfront Cost—Downpayment + BSD + ABSD + other costs.

Funds Surplus / Shortfall—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.

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