Optional — fill in to compare refinance savings on each package card

Outstanding Bal

Tenure (Yr)

Rate (%)

Penalty (%)

Penalty-Free (%)

Clawback

Other Obligations iCar loans, credit card minimum payments, other mortgage repayments, study loans, etc.

Age Yr IWAA

Prop Loans iNumber of outstanding property loans (not properties owned). Determines LTV limit: 1st loan = 75%/55%, 2nd = 45%/25%, 3rd+ = 35%/15%.

Pledged Funds iCash, CPF OA, fixed deposits, SRS, or securities pledged to the bank. Divided by 48 months and added to deemed income for TDSR/MSR. Auto

Show Funds iLiquid assets shown to the bank as proof of financial strength (not pledged). Divided by 160 months and added to deemed income for TDSR/MSR. Auto

+

Buyer 1 — Residency Singapore Citizen (SC) Permanent Resident (PR) Foreigner Entity / Company

Properties Currently Owned 0 (buying 1st) 1 (buying 2nd) 2+ (buying 3rd+)

Joint Tenancy: highest ABSD rate applies on full property value.   Tenancy in Common: each buyer’s ABSD charged on their proportionate share.

Seller Stamp Duty (SSD) Calculator

Legal Fee +GST

Valuation Fee BTO?

Fire Insurance iAnnual fire insurance premium. PTE/EC: ~$150/yr. HDB: ~$50/yr. Auto