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PRIVATE PROPERTY DECOUPLING CALCULATOR 1% / 99% ESTIMATE
Total Capital Outlay Combined estimated requirement
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Includes 1% transfer + BSD + fees + seller shortfall / offset
Estimated Monthly Commitment At 4.00% stress rate
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TDSR max allowed: –
Property Details
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Buyer's CPF figure is used as a reference in the 75% LTV / equity-loan headroom estimate.

Incoming Owner Financial Profile
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years

Max tenure for this illustration is 35 years. TDSR stress test uses 4.00% p.a.

    Decoupling Summary
    ★ Total Capital Outlay Required
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    Combined cost for both parties
    Outgoing Owner (Seller – 1%)
    Proceeds from 1% Sale
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    Existing Housing Loan (1%)
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    CPF to Refund
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    CPF Top-Up Required
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    Seller Legal Fee (Est.)
    Net Position
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    Incoming Owner (Buyer – 99%)
    Part-Purchase Price (1% of Valuation)
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    Cash / CPF for 1% Purchase
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    Buyer Stamp Duty (BSD)
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    Buyer Legal & Valuation (Est.)
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    Total Cash / CPF Outlay Needed
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    Loan Eligibility Estimate
    New Housing Loan
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    Stress Rate / Tenure
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    Monthly Instalment @ 4.00%
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    Max Allowed Under TDSR (55%)
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    Estimated Monthly Commitment
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    Eligibility Result
    Enter your figures to view the estimate.
    For illustration only. BSD, legal fees and loan approval depend on IRAS rules, bank valuation, full income documents and the bank’s final assessment.
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