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Mortgage & TDSR Calculator

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

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Property Details

Buyer Profile

Buyer

Stamp Duty

BSD
$44,600
ABSD
$0
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%)
Typical: ~$25K new launch fit-out · $0 for <5yr resale · ~$30K for 5–10yr · ~$65K for 10–15yr
Fire + MRTA / term insurance

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%