Buying private resale, cheque by cheque.
1% to hold it. 4% to exercise it. Stamp duty in cash within fourteen days, CPF refunded after. Everything else is loan, CPF and timing — laid out in the order your lawyer will ask for it.
Option fee
1% cash
Minimum cash downpayment
5% of price
TDSR ceiling
55% income
Checked
7 Aug 2026
— Step 01 · Price & buyers
Property priceAgreed purchase price
$
$600k$1.5M$2.5M$3.5M$5M
Buying alone or jointly?
Who is buyingNationality & properties owned — sets ABSD
Buyer A
Nationality
Residential properties already owned
Buyer B
Nationality
Residential properties already owned
On a joint purchase ABSD is charged at the highest rate among all buyers, applied to the full price — not apportioned by share.
— Step 02 · Buyers' age & income
Buyer A
Age
Gross monthly income
$
Buyer B
Age
Gross monthly income
$
Two buyers are assessed on income-weighted average age, not the older one — a higher-earning younger buyer stretches the tenure.
Existing monthly debtCounts against TDSR
$
Using CPF Ordinary Account?
Buyer A · OA available
Savings to use
$
Buyer B · OA available
Savings to use
$
CPF cannot touch the option fee or the minimum 5% cash. It can fund the balance downpayment, and it can reimburse you for stamp duty after the cash has been paid.
— Step 03 · Legal & loan
Legal & conveyancing
Loan takenDefault is the maximum available
$
$0—
Interest rate
% p.a.
TenureMax 30y · age 65 at maturity
years
Offset monthly mortgage with CPF OA?
Estimate only, not a loan offer. IRAS BSD/ABSD and CPF OA allocation rates as published. TDSR tested at the 4% MAS stress rate.
— Effective cash required
$0
5% deposit + stamp duty + any shortfall + legal — before CPF reimbursement
Maximum loan · what the bank will lend
$0
— LTV and TDSR caps shown below.
Stage 01 · option — cash only
Option fee · 1%
$0
Stage 02 · exercise & stamping
Exercise fee · 4%
$0
Buyer's Stamp Duty
$0
ABSD
$0
Legal & conveyancing
$0
Stage 02 total
$0
Both BSD and ABSD are cash within 14 days of exercising — CPF reimbursement lands weeks later, applied for through your lawyer.
Loan & funding
75% / 55% LTV ceiling
$0
TDSR 55% · at 4% stress
$0
Loan · tenure · rate
—
Monthly instalment
$0
TDSR used · cap 55%
0%
Downpayment balance
$0
— covered by CPF OA
$0
— funding shortfall
$0
Monthly · CPF OA offset
OA inflow · monthly
$0
Cash out of pocket, monthly
$0
Effective cash required
$0
— Before you sign the option
A full financial assessment, before the fourteen days start.
WhatsApp Ron
Book a 30-min call
No pitch. No pressure. Just questions answered.