What this includes
This is cash flow: instalment plus buyer's stamp duty and ABSD. It is not a MAS approval.
Singapore
The monthly number is not the payment.
Four planning tools for buyers and owners in Singapore: instalment and fees, a price ceiling, break-even on a lock-in penalty, and BSD with ABSD for Singapore Citizens.
Mortgage
Principal and interest plus insurance and maintenance fees — the monthly number the payment quote leaves out. Extra principal is a first-class input.
Afford
The highest price at which owner cost is 28% of gross income, with how lenders in this market actually test it.
Refinance
Months to recover switching costs from a lower payment. Compare the break-even period with how long you expect to keep the new loan.
Stamp & taxes
Progressive BSD and ABSD for Singapore Citizens.
Official sources used for Singapore
- Ministry of Finance Singapore — BSD rates (from 15 February 2023)
- IRAS — Buyer's Stamp Duty
- IRAS — BSD FAQ (BSD is rounded down to the nearest dollar)
- IRAS — ABSD rates (updated 27 April 2023)
Rules checked on 24–25 September 2026.