SG Property Toolkit

SG Property Toolkit is developed primarily for property agents in Singapore.
Calculations are for private properties only.

Check out our PRO version! PRO comes with additional Property Tax and Commercial calculators, and provides suggestions to fill TDSR shortfall through pledged liquid/other assets and unpledged liquid/other assets.

Features:

Progressive Payment Calculator
- Calculated based on property's purchase price, loan term, annual interest rate, number of properties owned and residency of applicants.
- Supports Singles, Joint (Married) and Joint (Not Married) purchase types.
- ABSD is included in the calculation results.
- Input CPF and cash on hand amounts to get an indication of client's surplus or shortfall or input CPF amount only to know how much cash is needed for the purchase
- Monthly repayment amount is listed based on payment stages
- Share the calculation with your client via email (ensure that you have an email account set up locally on your device)

Normal Payment Calculator
- Calculated based on property's purchase price, loan term, annual interest rate, number of properties owned and residency of applicants.
- Supports Singles, Joint (Married) and Joint (Not Married) purchase types.
- ABSD is included in the calculation results.
- Input CPF and cash on hand amounts to get an indication of client's surplus or shortfall or input CPF amount only to know how much cash is needed for the purchase
- Share the calculation with your client via email (ensure that you have an email account set up locally on your device)

Rental Yield
- Calculated based on property's rental income (monthly rent), rental expenses (monthly mortgage, monthly maintenance, agent commission, property tax, other expenses), and property cost (purchase price, legal fees, buyer stamp duty, ABSD, renovation cost, other costs).

Stamp Duty
- Calculated based on property value, type of purchase - Singles, Joint (Married) and Joint (Not Married), residency of applicants and number of properties owned
- Supports Buyer, Seller and Tenancy stamp duty calculation
- Buyer's stamp duty includes ABSD breakdown

TDSR (Total Debt Servicing Ratio)
- Calculated based on monthly fixed income, variable income, rental income, liquid assets and other assets, and car loan, mortgage loan, credit cards and other loans
- Support for up to 2 borrowers with income weighted average age (IWAA). Now with LTV, possible purchase price and estimated minimum cash down payment

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For feedbacks and suggestions, please contact us at support@twelvetech.sg. If you have any features that you'd like to see in the next update, get in touch with us too!