SND Resale vs New Launch
Portfolio Planning Prepared By:
Resale
Loan Amount
Remaining Down Payment
(%)
Buyer's Stamp Duty
ABSD
$ (%)
Total Upfront Capital
(Option Fee + Remaining DP + Stamp Duties + Misc. Fees)
Monthly Instalment
Annual Total Instalments
Estimated Interest Expense Per Year
Potential Rental Yield (%)
Monthly Maintenance Fees
Assumptive Growth Per Annum (%)
Annual Rental
Monthly Potential Rental
Annual Maintenance Fees
Cashflow from Rental (Annual)
Assumptive Growth in 3 Years
Portfolio Planning Prepared By:
New Launch
Loan Amount
Remaining Down Payment (8 weeks from booking)
(%)
Buyer's Stamp Duty
ABSD
$ (%)
Booking Fee
(5%)
Total Upfront Capital (before foundation)
(20% Down Payment + Stamp Duties + Misc. Fees)
Foundation Payment - 5%
Cash / CPF
Foundation Payment (Loan kicks in, 9 months) - 5%
Cash / CPF / Loan
Total Loan Disbursed
Instalment
Total
Est. Interest
Framework (9 months) - 10%
Cash / CPF / Loan
Total Loan Disbursed
Instalment
Total
Est. Interest
Wall (6 months) - 5%
Cash / CPF / Loan
Total Loan Disbursed
Instalment
Total
Est. Interest
Roof / Ceiling (3 months) - 5%
Cash / CPF / Loan
Total Loan Disbursed
Instalment
Total
Est. Interest
Electrical Wiring / Windows / Door (3 months) - 5%
Cash / CPF / Loan
Total Loan Disbursed
Instalment
Total
Est. Interest
Car parks / Roads/ Drains (6 months, 3 yrs period) - 5%
Cash / CPF / Loan
Total Loan Disbursed
Instalment
Total
Est. Interest
TOP (Key collection - Vacant Possession) (12 months) - 25%
Cash / CPF / Loan
Total Loan Disbursed
Instalment
Total
Est. Interest
CSC (Legal completion, full instalment) - 15%
Cash / CPF / Loan
Total Loan Disbursed
Instalment
Total
Est. Interest
Total Outlay for 3 Years (Right before TOP)
Total Instalment
Total Est. Interest
Assumptive Growth Per Annum (%)
Assumptive Growth in 3 Years
Interim Place to Stay (Monthly Rent)
Portfolio Planning Prepared By:
Investment Analysis
| Resale | New Launch |
Resale New Launch |
|
|---|---|---|---|
| Monthly Instalments (Starting from) |
|
||
| 3 Years Instalments |
|
||
| 3 Years Interest Expense |
|
||
| 3 Years Maintenance Fees | Not Applicable |
Not Applicable |
|
| Rental Agents Fees | Not Applicable |
Not Applicable |
|
| Renovation / Repair Expenses / Property Tax | Not Applicable |
Not Applicable |
|
| Total Expenses |
|
||
| Gross Rental Income (3 years) | Not Applicable |
Not Applicable |
|
| Monthly Cashflow (Rental Income) - (Instalment + Mthly Mtn Fees) | Not Applicable |
Not Applicable |
|
| 3 Years Rental Cashflow | Not Applicable |
Not Applicable |
|
| Capital Gains (Sale Price - Purchase Price) |
|
||
| Estimated Profit / Loss (Total cap gains + income - expenses) |
|
||
|
|
|||
| Stamp Duty Expense | Not Applicable |
Not Applicable |
|
| Adjusted Profit / Loss |
|
||
| Potential Sale Proceeds (kept aside) | Not Applicable |
Not Applicable |
|
| Re-investing Sale Proceeds (FD / SSB / Etc) Returns P.A. (%) | Not Applicable |
Not Applicable |
|
| (Extra) Gains Per Annum | Not Applicable |
Not Applicable |
|
| 3 Years Gains | Not Applicable |
Not Applicable |
|
|
|
|||
| Total Capital Outlay (3 Years) |
Down payment + Stamp duties + 3 Years instalments + 3 Years Expenses (excl interest) - Rental Income |
Down payment + stamp duties + 3 years instalments |
|
| ROE |
% |
% |
% % |
| Annualised ROE |
% |
% |
% % |
Portfolio Planning Prepared By:
Own Stay Analysis
| Resale | New Launch |
Resale New Launch |
|
|---|---|---|---|
| Monthly Instalments (Starting from) |
|
||
| 3 Years Instalments |
|
||
| 3 Years Interest Expense |
|
||
| 3 Years Maintenance Fees | Not Applicable |
Not Applicable |
|
| Renovation / Repair Expenses / Property Tax | Not Applicable |
Not Applicable |
|
| 3 Years Rental Expenses | Not Applicable |
Not Applicable |
|
| Total Expenses |
|
||
| Assumptive Capital Gains (Sale Price - Purchase Price) |
|
||
| Estimated Profit / Loss (Total cap gains - Expenses) |
|
||
|
|
|||
| Potential Sale Proceeds (kept aside) | Not Applicable |
Not Applicable |
|
| Re-investing Sale Proceeds (FD / SSB / Etc) Returns P.A. (%) | Not Applicable |
Not Applicable |
|
| (Extra) Gains Per Annum | Not Applicable |
Not Applicable |
|
| 3 Years Gains | Not Applicable |
Not Applicable |
|
|
|
|||
| Total Capital Outlay (3 Years) |
Down payment + stamp duties + 3 years instalments/mtn fees/other expenses |
Down payment + stamp duties + 3 years instalments/rental |
|
| ROE |
% |
% |
% % |
| Annualised ROE |
% |
% |
% % |
These calculations are rough estimates and is subject to final purchase price, bank assessment and meeting eligibility conditions.
Special thanks to John Lai, Joanne Koh, Lan Yun, Clive, and all teammates for your precious contributions to make this calculator a better one!
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