I own, or I'm selling

When you can sell, what a sale must clear, and what holding costs.

My first move

What will this home cost me to hold?

I start with the exit ledger, not the asking price. The loan, CPF refund, duties and commission decide what a sale must clear before it returns your own money.

You will get: Every duty, interest and commission — and the price a sale must clear to return your own cash.

Open Cost of owning

Then, if you need them

When am I allowed to sell?The date the minimum occupation period ends, and when Seller’s Stamp Duty stops applying.
Which flats near me can start selling?Every block reaching the end of its five-year minimum occupation period, by town and year.

Also useful here

How much stamp duty on this price?Buyer’s Stamp Duty and Additional Buyer’s Stamp Duty, band by band, with the rate each band used.
What does the loan cost over time?Total interest, and how little of an early instalment touches what you borrowed.
What is a shorter lease worth?The table the State itself applies to a lease, and what one more year of holding costs.
What rental return are these prices producing?A gross return only. Never a net one — the running costs it would need are not published anywhere.

Not what you are trying to work out?

I'm buyingWork out what you can carry, and what it costs after the price.
I'm checking one specific homeYou have an address. Everything the filed records say about it.
Browse every toolAll eleven, the four quick answers, and the lookups behind them