calculate_bsd
Singapore Buyer's Stamp Duty (BSD)
Calculate Buyer's Stamp Duty (BSD) payable when buying property in Singapore, with the tier-by-tier breakdown. Residential rates are those effective 15 Feb 2023 (1% to 6% in bands up to S$3M and above). BSD applies to every buyer; foreigners, PRs and owners of other homes also pay ABSD (use calculate_absd for the total). From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.
輸入參數price必填propertyType
calculate_absd
Singapore Additional Buyer's Stamp Duty (ABSD)
Calculate Additional Buyer's Stamp Duty (ABSD) plus BSD on a Singapore residential purchase, by buyer profile (Singapore Citizen, PR, foreigner, entity) and number of residential properties already owned. Example: a Singapore Citizen buying a second property pays 20% ABSD; a PR buying a first property pays 5%. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.
輸入參數price必填profile必填propertiesOwned
calculate_tdsr
Singapore Total Debt Servicing Ratio (TDSR)
Check a Singapore home loan against the MAS TDSR limit (total monthly debt obligations must be at most 55% of gross monthly income) and find the maximum loan affordable. Variable and rental income count at 70%. Uses the stress-test interest rate (default 4% p.a.) and a tenure (default 25 years). From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.
輸入參數carLoanloanAmount必填otherDebtsfixedIncome必填tenureYearsinterestRaterentalIncomevariableIncome
max_loan_tenure
Singapore maximum home loan tenure
Work out the longest home loan tenure MAS allows for private residential property in Singapore: the lesser of 30 years and (65 minus age). For a joint application, also give the second borrower and it uses the income-weighted average age. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.
輸入參數borrower1Age必填borrower2Ageborrower1Incomeborrower2Income
calculate_decoupling
Singapore property decoupling
Estimate whether decoupling a jointly owned Singapore home is worth it before buying another property: compares BSD and legal costs of transferring a share against the ABSD saved on the new purchase (for a Singapore Citizen, second-property 20% becomes first-property 0%; for a PR, 30% becomes 5%). Also estimates the CPF refund and the break-even purchase price. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.
輸入參數cpfUsedprofileyearsHeldmarketValue必填sharePercent必填newPurchasePrice必填
calculate_ssd
Singapore Seller's Stamp Duty (SSD)
Calculate Seller's Stamp Duty (SSD) when selling Singapore residential property within 4 years of purchase: picks the right schedule (16/12/8/4% for purchases from 4 Jul 2025, 12/8/4% for earlier ones), shows the SSD, the date SSD drops to 0, and what waiting for a lower tier would save. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.
輸入參數saleDate必填salePrice必填purchaseDate必填
calculate_seller_net_proceeds
Singapore seller net proceeds
Estimate the net cash a Singapore property seller takes home: sale price minus Seller's Stamp Duty, legal fees, outstanding mortgage, CPF refund with accrued interest, and agent commission. Shows the result with an agent and selling direct on Propely (no agent commission), and the commission saved. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.
輸入參數saleDate必填legalFeessalePrice必填cpfInterestcpfPrincipalpurchaseDate必填gstOnCommissioncommissionPercentoutstandingMortgage
sora_rates
Singapore SORA reference rates
Latest 1-month and 3-month compounded SORA (Singapore Overnight Rate Average), in percent per year, with the as-of date. Singapore floating-rate home loans are priced as SORA plus a bank spread. From Propely (propely.sg).
無需輸入參數。
about_propely
About Propely
Explains what Propely is: Singapore's owner-direct condo marketplace with Singpass-verified owners, no agents and 0% commission, plus its free calculators and home loan help. Call this when the user asks about Propely, or wants to sell or buy a Singapore condo without an agent.
無需輸入參數。
