Mortgage & TDSR Calculator

BSD, ABSD, loan affordability, and stress-test analysis

Property Details

Purchase Price

Down Payment (%)

Interest Rate (%)

Loan Tenure (years)

Buyer Profile

Buyer

Citizenship

Existing Properties

Monthly Income

Age

Other Monthly Debts

Stamp Duty

BSD

$44,600

ABSD

0% rate

Total Stamp Duty

$44,600

Loan Summary

Down Payment

$375,000

Loan Amount

$1,125,000

Monthly Payment

$5,632

Total Interest

$564,605

TDSR Assessment

TDSR Ratio

49.5%

MAS limit: 55%

Status

PASS

Stress-tested at 4%

Max Affordable Price

$1,667,182

Total Cost of Ownership

$2,109,205

Price + stamp duty + total interest over 25 years

True ROI Calculator

All-in profitability including hidden costs (renovation, holding costs, agent fees, CPF accrued interest)

Entry & Exit

Owner-occupied tax (0-10%)

Purchase Price

Expected Sell Price

Holding Period (years)

Renovation ($)

Typical: ~$25K new launch fit-out · $0 for <5yr resale · ~$30K for 5–10yr · ~$65K for 10–15yr

Maintenance Fee ($/mo)

Insurance ($/yr)

Fire + MRTA / term insurance

CPF Used for Purchase ($)

Cost Breakdown (5-year hold)

BSD + ABSD$44,600

Legal fees (buy + sell)$6,000

Renovation$30,000

Mortgage interest (5yr)$184,025

Maintenance (5yr)$21,000

Property tax (5yr)$16,400

Insurance (5yr)$15,000

Agent commission (2%)$36,000

Total Hidden Costs$353,025

Profit Analysis

Gross Profit

$300,000

Sell - Buy price

Net Profit

$-53,025

After all costs + rental

Cash in Hand

$-79,307

After CPF refund ($26,282 accrued)

True ROI

-14.1%

On downpayment invested

Cash-on-Cash Return

Cash Deployed

$492,025

DP $175,000 + costs

Cash Profit

$71,588

Cash back - cash deployed

Total Return

14.5%

On cash invested

Annualized

2.8%

Per year over 5yr

Break Even Analysis

Break Even Price

$1,853,025

Appreciation Needed

+23.5%

Min CAGR to Break Even

+4.3%