Inputs
The deal.
Flat Size
Square feet
sqft
Flat Price
PSF: 2,500
S$
Bank Loan
Percentage of purchase price
%
Annual Interest Rate
Lock-in or expected average
%
Loan Tenure
Repayment period
yrs
Months to TOP
Construction period until keys
mths
Rent out after TOP?
Rent covers the mortgage until sale
Legal Fees
Conveyancing & admin
S$
Hold Period
Until sale (after MOP/SSD)
mths
Projected Sale Price
Sale PSF: 1,550
S$
Projected Return on Investment
—
Based on your hold period & sale assumptions
Cash Invested
—
Net Gain / (Loss)
—
Annualised Price Growth
—
Breakeven Sale Price
Minimum to recover all cash deployed
—
—
Cash invested = downpayment + monthly mortgage payments during the hold period + Buyer's Stamp Duty + legal fees + agent commission at sale (2% of sale price). Represents total cash deployed from purchase to sale.
Annualised price growth reflects the property's price movement only — it ignores leverage, financing, and transaction costs.
Breakeven sale price = outstanding loan at sale + cash invested. Selling below this figure produces a net loss.
Annualised price growth reflects the property's price movement only — it ignores leverage, financing, and transaction costs.
Breakeven sale price = outstanding loan at sale + cash invested. Selling below this figure produces a net loss.
Loan Summary
Bank Loan
—
Downpayment
—
Interest during construction
Progressive Payment Scheme
Monthly Payment
Full P+I, starts after TOP
Total Interest (full tenure)
—
Total Cost of Loan
—
Upfront Costs
Buyer's Stamp Duty (BSD)
—
Legal Fees
—
Interest paid in hold period
—
Total Expenses
—
At Sale
Outstanding loan at sale
—
Agent commission (2% of sale price)
Seller's commission
Total cash invested
—
Net Gain / (Loss)
—