PROPERTY PLANNING TOOL

How comfortably could you buy?

Go beyond the maximum loan. See how your intended purchase may affect your upfront funds, monthly cash flow and financial buffer.

STEP 1 OF 5

Build your household financing profile

Add up to four buyers. Fixed income is counted in full; variable and self-employed income use a conservative 30% haircut for this planning estimate.

Number of buyersCPF estimates use simplified 2026 contribution and allocation assumptions. Enter “No” if CPF does not apply.

Existing monthly liabilities

Credit cards and personal loans$Car loan$Other monthly commitments$Optional monthly CPF override$

Recognised monthly income$0

Estimated CPF OA for housing$0

Indicative maximum loan$0

STEP 2 OF 5

Estimate proceeds from your current home

Leave the selling price at zero if there is no property to sell. Include any applicable Seller’s Stamp Duty as a separate estimate.

Expected selling price$Outstanding housing loan$Estimated CPF principal and accrued interest$Agency fee rate%Legal and conveyancing costs$Estimated Seller’s Stamp Duty, if applicable$Other sale deductions$

Agency fee + 9% GST$0

Estimated cash proceeds$0

CPF returned to OA$0

Total sale equity$0

CPF refund is not lost: it returns to the owners’ CPF accounts and may be available for the next purchase, subject to CPF rules.

STEP 3 OF 5

Set the funds you are prepared to use

Keep emergency savings out of these figures if you do not want them committed.

Cash available before sale proceeds$CPF OA before any sale refund$Cash buffer you want to retain$Other purchase costs to allow for$

Funds available for the purchase$0

STEP 4 OF 5

Model your intended purchase

Compare the target price against indicative financing, cash/CPF funds and prevailing residential stamp duties.

Target property price$Expected loan interest rate%Buyer profileProperty count after purchase

Indicative loan used$0

Minimum cash component (5%)$0

Remaining equity / downpayment$0

Buyer’s Stamp Duty$0

Additional Buyer’s Stamp Duty$0

Total initial funds needed$0

Estimated monthly mortgage$0

Monthly cash after estimated CPF$0

The model uses a maximum 75% LTV assumption. Actual LTV may be lower if buyers have outstanding housing loans, the loan tenure is long, or the borrower-age rules apply. ABSD remissions and special profiles are not automatically modelled.

YOUR SYADUO COMFORT CHECK

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Your result

Funds left after purchase$0

Cash mortgage after CPF$0

Mortgage share of income0%

Estimated reserve runway—

What to consider

YOUR PERSONALISED RESULT IS READY

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This educational estimate is not financial, tax or legal advice or a guarantee of financing or eligibility. Results use simplified assumptions. Regulations, bank policies, CPF usage, valuation, tenure and stamp duties may differ. Verify your position with the relevant authorities, financial institution and professional advisers before making a commitment.