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Singapore · PR · First residential property

Property what-if
cashflow & cash-call planner

Drag any toggle to see the monthly mortgage (split CPF OA vs cash), the cash needed, and a dated cash-call schedule from your option date.

◍ The property & loan
Property price
Loan (% of price)
Bank cap for a first housing loan is 75%.
Loan tenure
Up to 35 yrs; tenure past age 65 drops LTV to 55%.
Interest rate (p.a.)
◍ Rental income & costs
Monthly rent
Leave at $0 for an own-stay scenario.
Management fee (fixed $/mo)
Flat monthly figure — e.g. MCST + agent + sinking provision.
◍ How you fund it
CPF OA available for purchase
Existing OA balance — funds downpayment + reimburses stamp duty, never the 5% min cash.
Monthly mortgage from CPF OA
Absolute $/mo. Max is ~$1,840 — the OA share of monthly CPF at the $8k wage ceiling. Drag down for your age band/salary.
▶ What that means
Monthly mortgage
CPF OA
Cash
Net cash needed (after CPF)
Min cash 5%
DP balance
BSD
ABSD 5%
Net monthly cashflow
Net cashflow after CPF
Loan fully paid
▤ Cash-call schedule
Date of Option (OTP)
Peak cash outlay