Tools
Start from the question you actually have. Everything here is free, none of it asks for an email, and every figure shows the rate it used and when that rate was last checked.
What are you trying to work out?
I'm buying
Work out what you can carry, and what it costs after the price.
- What can I afford, and what do I need upfront?The largest loan the rules allow, the cash a CPF account cannot cover, and both stamp duties.
- What will this home cost me to hold?Every duty, interest and commission — and the price a sale must clear to return your own cash.
- How much will I pay while it is being built?The nine stages the law sets, what the bank pays at each, and what your instalment climbs to.
I own, or I'm selling
When you can sell, what you would walk away with, and what holding costs.
- When can I sell?The date the minimum occupation period ends, and when seller’s stamp duty stops applying.
- What will this home cost me to hold?Every duty, interest and commission — and the price a sale must clear to return your own cash.
- Which flats near me can start selling?Every block reaching the end of its five-year minimum occupation period, by town and year.
I'm checking one specific home
You have an address. Everything the filed records say about it.
- What should I check before I make an offer?Six checks against filed public records, scored by a formula published on the page. Never a valuation.
- How do two or three places compare?Their filed prices, ranges and lease side by side, in a link you can send to someone.
- Is the higher floor worth what they are asking?The premium measured inside that one building — not averaged across the country.
Quick answers
Four short ones that need a figure and nothing else. Each has its own link, so you can send someone straight to the stamp duty answer rather than to this page.
You will get: The date the minimum occupation period ends, and when seller’s stamp duty stops applying.
MOP runs five years from key collection, not from the option date and not from completion.
Rates last reviewed 2026-08-21. TDSR 55.0% · MSR 30% · stress rate 4%.
IRAS — Buyer’s Stamp Duty (effective 2023-02-15) · IRAS — Additional Buyer’s Stamp Duty (effective 2023-04-27) · IRAS — Seller’s Stamp Duty (effective 2025-07-04).
These are calculations against published rates, not advice, and not a substitute for IRAS or your banker.
Every tool, in full
The complete list, including the specialist ones no situation above recommends.
- Can I afford itTDSR, the LTV ceiling, the downpayment, the cash CPF cannot cover, and both stamp duties — chained, not four separate answers
- Buying off the planThe nine stages a developer may bill you for, quoted from the Housing Developers Rules, and what your instalment does at each one
- What owning it actually costsStamp duty, interest, commission and the CPF interest running against your home the whole time — what a sale must clear to return your own money
- What a lease is worthThe table the State itself applies to a lease renewal, all ninety-nine years of it, and what one more year of holding costs
- What the land costEvery Government Land Sales site awarded since 1993 — the winning tender, the rate, how many bid, and every losing bid where HDB published it
- CompareTwo or three blocks side by side, in a link you can send
- Blindspot — six checksWhere the asking price sits, who else will be selling, what land is coming, what could be built next door. A published rubric, not an opinion
- Read a floor planLayout efficiency, what the plan shows about light, and the wall questions for your ID and a QP. Nothing stored
- What has been announced nearbyLive retrieval on any town or project, every claim linked to its source
- What a higher floor is worthMeasured within a building, not across the country
- Rental yieldsFiled rents over filed prices, matched on unit size. Gross, and clear about it
And the lookups behind them
- The price mapEvery block and project in Singapore by psf, labelled by town
- Which flats can start selling, by townThe same MOP question, across every block at once
- What a sale would actually net youThe proceeds waterfall sits on every block page, with your block's own numbers in it
- All four guidesStamp duties, financing, decoupling, renting — complete, nothing gated