SND Signature Save and Safe
Portfolio Planning Prepared By:
Bank Loan Assessment
Total Amount Avail. For Property Loan Instalments
Interest Rate
Max Loan Tenure
Max Loan Tenure (Refi)
Bank Loan Assessment Summary
Max Property Loan
Portfolio Planning Prepared By:
Sales Proceeds
Estimated Selling Price
Outstanding Loan
Professional Fees % ()
Legal Fees
Miscellaneous Fees
CPF OA Used (Owner 1)
CPF OA Accrued Interest (Owner 1)
Total CPF: Client 1
CPF OA Used (Owner 2)
CPF OA Accrued Interest (Owner 2)
Total CPF: Client 2
Negative Sales
Total CPF Used / To Be Refunded
Estimated Cash Proceeds
Additional Cash For Investment
Estimated Cash Proceeds From Sale
Both Clients:
Current CPF OA (Buyer 1)
Tot. CPF: Client 1
Current CPF OA (Buyer 2)
Tot. CPF: Client 2
Total CPF to be Refunded upon Sale
Both Clients Tot. CPF:
Total Wealth Funds
Estimated Selling Price
Outstanding Loan
Professional Fees % ()
Legal Fees
Miscellaneous Fees
CPF OA Used (Owner 1)
CPF OA Accrued Interest (Owner 1)
Total CPF: Client 1
CPF OA Used (Owner 2)
CPF OA Accrued Interest (Owner 2)
Total CPF: Client 2
Negative Sales
Total CPF Used / To Be Refunded
Estimated Cash Proceeds
Additional Cash For Investment
Estimated Cash Proceeds From Sale
Both Clients:
Current CPF OA (Buyer 1)
Tot. CPF: Client 1
Current CPF OA (Buyer 2)
Tot. CPF: Client 2
Total CPF to be Refunded upon Sale
Both Clients Tot. CPF:
Total Wealth Funds
Portfolio Planning Prepared By:
Purchase Assessment
Loan Only
Loan Amt.
Max Purchase
Loan + CPF + Cash
Loan Amt.
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
5% Cash D.P Checker
CPF + Cash (Down Payment Assessment)
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
Pledge/Unpledge Reqd.?
5% Cash D.P Checker
CPF + Cash (Down-payment & Est Stamp Duty Assessment)
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
Pledge/Unpledge Reqd.?
5% Cash D.P Checker
Manual Input
Loan Amt.
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
5% Cash D.P Checker
Loan Only
Loan Amt.
Max Purchase
Loan + CPF + Cash
Loan Amt.
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
5% Cash D.P Checker
CPF + Cash (Down Payment Assessment)
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
Pledge/Unpledge Reqd.?
5% Cash D.P Checker
CPF + Cash (Down-payment & Est Stamp Duty Assessment)
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
Pledge/Unpledge Reqd.?
5% Cash D.P Checker
Manual Input
Loan Amt.
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
5% Cash D.P Checker
Loan Only
Loan Amt.
Max Purchase
Loan + CPF + Cash
Loan Amt.
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
5% Cash D.P Checker
CPF + Cash (Down Payment Assessment)
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
Pledge/Unpledge Reqd.?
5% Cash D.P Checker
CPF + Cash (Down-payment & Est Stamp Duty Assessment)
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
Pledge/Unpledge Reqd.?
5% Cash D.P Checker
Manual Input
Loan Amt.
CPF
Cash
CPF / Cash (keep aside)
Max Purchase
5% Cash D.P Checker
Portfolio Planning Prepared By:
Portfolio Planning - Option 1: High Prudency Plan
Upgrading (higher quantum) + buy another, safe entry, and keeping funds aside to ensure safe period.
5% Down Payment
Remaining Down Payment
Buyer's Stamp Duty
ABSD
$ (%)
Total Cash / CPF Required
Loan Amount Required
Loan Amt. Shortfall (Buyer 1)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Buyer 2)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Both Buyers)
Income Shortfall
Pledge
Unpledge
Total Available
Buyer 1: 253,790
Buyer 2: 253,790
Down Payment CPF
BSD CPF
ABSD CPF
Legal CPF
Total CPF
Buyer 1:
Buyer 2:
Balance CPF
Buyer 1:
Buyer 2:
5% Cash
Down Payment Cash
BSD Cash
ABSD Cash
Legal Cash
Professional Fees Cash
Misc Cash
Total Cash
Remaining CPF Avail. (Buyer 1)
Remaining CPF Avail. (Buyer 2)
Total CPF Available
Remaining Cash Available
Remaining Wealth Balance
Estimated Monthly Instalments (Both Buyers)
Estimated Monthly Instalments (Buyer 1)
Estimated Monthly Instalments (Buyer 2)
Estimated (Refinance) Monthly Instalments (Both Buyers)
Estimated (Refinance) Monthly Instalments (Buyer 1)
Estimated (Refinance) Monthly Instalments (Buyer 2)
Estimated No Top Up Period (Buyer 1 CPF Only)
months
Estimated No Top Up Period (Buyer 1 CPF Only)
years
Estimated No Top Up Period (Buyer 1 CPF + Cash)
months
Estimated No Top Up Period (Buyer 1 CPF + Cash)
years
Estimated No Top Up Period (Buyer 2 CPF Only)
months
Estimated No Top Up Period (Buyer 2 CPF Only)
years
Estimated No Top Up Period (Buyer 2 CPF + Cash)
months
Estimated No Top Up Period (Buyer 2 CPF + Cash)
years
Estimated No Top Up Period (Both CPF Only)
months
Estimated No Top Up Period (Both CPF Only)
years
Estimated No Top Up Period (Both CPF + Cash)
months
Estimated No Top Up Period (Both CPF + Cash)
years
Total Instalments for 3 Safe Year (Both Buyers)
Total CPF remaining / top-up required (Both buyers CPF - Total Instalments)
Wealth funds remaining / top-up required (Wealth Balance - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 1)
Buyer 1 CPF remaining / top-up required (Buyer 1 CPF - Total Instalments)
Buyer 1 CPF + Cash remaining / top-up required (Buyer 1 CPF + Cash - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 2)
Buyer 2 CPF remaining / top-up required (Buyer 2 CPF - Total Instalments)
Buyer 2 CPF + Cash remaining / top-up required (Buyer 2 CPF + Cash - Total Instalments)
Second Property
5% Down Payment
Remaining Down Payment
Buyer's Stamp Duty
ABSD
$ (%)
Total Cash / CPF Required
Loan Amount Required
Loan Amt. Shortfall (Buyer 1)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Buyer 2)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Both Buyers)
Income Shortfall
Pledge
Unpledge
Total Available
Buyer 1: 253,790
Buyer 2: 253,790
Down Payment CPF
BSD CPF
ABSD CPF
Legal CPF
Total CPF
Buyer 1:
Buyer 2:
Balance CPF
Buyer 1:
Buyer 2:
5% Cash
Down Payment Cash
BSD Cash
ABSD Cash
Legal Cash
Professional Fees Cash
Misc Cash
Total Cash
Remaining CPF Avail. (Buyer 1)
Remaining CPF Avail. (Buyer 2)
Total CPF Available
Remaining Cash Available
Remaining Wealth Balance
Estimated Monthly Instalments (Both Buyers)
Estimated Monthly Instalments (Buyer 1)
Estimated Monthly Instalments (Buyer 2)
Estimated (Refinance) Monthly Instalments (Both Buyers)
Estimated (Refinance) Monthly Instalments (Buyer 1)
Estimated (Refinance) Monthly Instalments (Buyer 2)
Estimated No Top Up Period (Buyer 1 CPF Only)
months
Estimated No Top Up Period (Buyer 1 CPF Only)
years
Estimated No Top Up Period (Buyer 1 CPF + Cash)
months
Estimated No Top Up Period (Buyer 1 CPF + Cash)
years
Estimated No Top Up Period (Buyer 2 CPF Only)
months
Estimated No Top Up Period (Buyer 2 CPF Only)
years
Estimated No Top Up Period (Buyer 2 CPF + Cash)
months
Estimated No Top Up Period (Buyer 2 CPF + Cash)
years
Estimated No Top Up Period (Both CPF Only)
months
Estimated No Top Up Period (Both CPF Only)
years
Estimated No Top Up Period (Both CPF + Cash)
months
Estimated No Top Up Period (Both CPF + Cash)
years
Total Instalments for 3 Safe Year (Both Buyers)
Total CPF remaining / top-up required (Both buyers CPF - Total Instalments)
Wealth funds remaining / top-up required (Wealth Balance - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 1)
Buyer 1 CPF remaining / top-up required (Buyer 1 CPF - Total Instalments)
Buyer 1 CPF + Cash remaining / top-up required (Buyer 1 CPF + Cash - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 2)
Buyer 2 CPF remaining / top-up required (Buyer 2 CPF - Total Instalments)
Buyer 2 CPF + Cash remaining / top-up required (Buyer 2 CPF + Cash - Total Instalments)
Portfolio Planning Prepared By:
Portfolio Planning - Option 2: Build Capital - Savings Plan
Upgrading to highest possible quantum, safe entry, and build capital (using real estate as a savings plan).
(keeping little to no funds from sales proceeds)
5% Down Payment
Remaining Down Payment
Buyer's Stamp Duty
ABSD
$ (%)
Total Cash / CPF Required
Loan Amount Required
Loan Amt. Shortfall (Buyer 1)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Buyer 2)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Both Buyers)
Income Shortfall
Pledge
Unpledge
Total Available
Buyer 1: 253,790
Buyer 2: 253,790
Down Payment CPF
BSD CPF
ABSD CPF
Legal CPF
Total CPF
Buyer 1:
Buyer 2:
Balance CPF
Buyer 1:
Buyer 2:
5% Cash
Down Payment Cash
BSD Cash
ABSD Cash
Legal Cash
Professional Fees Cash
Misc Cash
Total Cash
Remaining CPF Avail. (Buyer 1)
Remaining CPF Avail. (Buyer 2)
Total CPF Available
Remaining Cash Available
Remaining Wealth Balance
Estimated Monthly Instalments (Both Buyers)
Estimated Monthly Instalments (Buyer 1)
Estimated Monthly Instalments (Buyer 2)
Estimated (Refinance) Monthly Instalments (Both Buyers)
Estimated (Refinance) Monthly Instalments (Buyer 1)
Estimated (Refinance) Monthly Instalments (Buyer 2)
Estimated No Top Up Period (Buyer 1 CPF Only)
months
Estimated No Top Up Period (Buyer 1 CPF Only)
years
Estimated No Top Up Period (Buyer 1 CPF + Cash)
months
Estimated No Top Up Period (Buyer 1 CPF + Cash)
years
Estimated No Top Up Period (Buyer 2 CPF Only)
months
Estimated No Top Up Period (Buyer 2 CPF Only)
years
Estimated No Top Up Period (Buyer 2 CPF + Cash)
months
Estimated No Top Up Period (Buyer 2 CPF + Cash)
years
Estimated No Top Up Period (Both CPF Only)
months
Estimated No Top Up Period (Both CPF Only)
years
Estimated No Top Up Period (Both CPF + Cash)
months
Estimated No Top Up Period (Both CPF + Cash)
years
Total Instalments for 3 Safe Year (Both Buyers)
Total CPF remaining / top-up required (Both buyers CPF - Total Instalments)
Wealth funds remaining / top-up required (Wealth Balance - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 1)
Buyer 1 CPF remaining / top-up required (Buyer 1 CPF - Total Instalments)
Buyer 1 CPF + Cash remaining / top-up required (Buyer 1 CPF + Cash - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 2)
Buyer 2 CPF remaining / top-up required (Buyer 2 CPF - Total Instalments)
Buyer 2 CPF + Cash remaining / top-up required (Buyer 2 CPF + Cash - Total Instalments)
Second Property
5% Down Payment
Remaining Down Payment
Buyer's Stamp Duty
ABSD
$ (%)
Total Cash / CPF Required
Loan Amount Required
Loan Amt. Shortfall (Buyer 1)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Buyer 2)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Both Buyers)
Income Shortfall
Pledge
Unpledge
Total Available
Buyer 1:
Buyer 2:
Down Payment CPF
BSD CPF
ABSD CPF
Legal CPF
Total CPF
Buyer 1:
Buyer 2:
Balance CPF
Buyer 1:
Buyer 2:
5% Cash
Down Payment Cash
BSD Cash
ABSD Cash
Legal Cash
Professional Fees Cash
Misc Cash
Total Cash
Remaining CPF Avail. (Buyer 1)
Remaining CPF Avail. (Buyer 2)
Total CPF Available
Remaining Cash Available
Remaining Wealth Balance
Estimated Monthly Instalments (Both Buyers)
Estimated Monthly Instalments (Buyer 1)
Estimated Monthly Instalments (Buyer 2)
Estimated (Refinance) Monthly Instalments (Both Buyers)
Estimated (Refinance) Monthly Instalments (Buyer 1)
Estimated (Refinance) Monthly Instalments (Buyer 2)
Estimated No Top Up Period (Buyer 1 CPF Only)
months
Estimated No Top Up Period (Buyer 1 CPF Only)
years
Estimated No Top Up Period (Buyer 1 CPF + Cash)
months
Estimated No Top Up Period (Buyer 1 CPF + Cash)
years
Estimated No Top Up Period (Buyer 2 CPF Only)
months
Estimated No Top Up Period (Buyer 2 CPF Only)
years
Estimated No Top Up Period (Buyer 2 CPF + Cash)
months
Estimated No Top Up Period (Buyer 2 CPF + Cash)
years
Estimated No Top Up Period (Both CPF Only)
months
Estimated No Top Up Period (Both CPF Only)
years
Estimated No Top Up Period (Both CPF + Cash)
months
Estimated No Top Up Period (Both CPF + Cash)
years
Total Instalments for 3 Safe Year (Both Buyers)
Total CPF remaining / top-up required (Both buyers CPF - Total Instalments)
Wealth funds remaining / top-up required (Wealth Balance - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 1)
Buyer 1 CPF remaining / top-up required (Buyer 1 CPF - Total Instalments)
Buyer 1 CPF + Cash remaining / top-up required (Buyer 1 CPF + Cash - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 2)
Buyer 2 CPF remaining / top-up required (Buyer 2 CPF - Total Instalments)
Buyer 2 CPF + Cash remaining / top-up required (Buyer 2 CPF + Cash - Total Instalments)
Portfolio Planning Prepared By:
Portfolio Planning - Option 3: Build Capital - Upgrading Plan
Topping up cash/cpf to upgrade, safe entry, and build capital (using real estate as a savings plan).
(wiping all sales proceeds, and possibly topping up more cash)
5% Down Payment
Remaining Down Payment
Buyer's Stamp Duty
ABSD
$ (%)
Total Cash / CPF Required
Loan Amount Required
Loan Amt. Shortfall (Buyer 1)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Buyer 2)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Both Buyers)
Income Shortfall
Pledge
Unpledge
Total Available
Buyer 1: 253,790
Buyer 2: 253,790
Down Payment CPF
BSD CPF
ABSD CPF
Legal CPF
Total CPF
Buyer 1:
Buyer 2:
Balance CPF
Buyer 1:
Buyer 2:
5% Cash
Down Payment Cash
BSD Cash
ABSD Cash
Legal Cash
Professional Fees Cash
Misc Cash
Total Cash
Remaining CPF Avail. (Buyer 1)
Remaining CPF Avail. (Buyer 2)
Total CPF Available
Remaining Cash Available
Remaining Wealth Balance
Estimated Monthly Instalments (Both Buyers)
Estimated Monthly Instalments (Buyer 1)
Estimated Monthly Instalments (Buyer 2)
Estimated (Refinance) Monthly Instalments (Both Buyers)
Estimated (Refinance) Monthly Instalments (Buyer 1)
Estimated (Refinance) Monthly Instalments (Buyer 2)
Estimated No Top Up Period (Buyer 1 CPF Only)
months
Estimated No Top Up Period (Buyer 1 CPF Only)
years
Estimated No Top Up Period (Buyer 1 CPF + Cash)
months
Estimated No Top Up Period (Buyer 1 CPF + Cash)
years
Estimated No Top Up Period (Buyer 2 CPF Only)
months
Estimated No Top Up Period (Buyer 2 CPF Only)
years
Estimated No Top Up Period (Buyer 2 CPF + Cash)
months
Estimated No Top Up Period (Buyer 2 CPF + Cash)
years
Estimated No Top Up Period (Both CPF Only)
months
Estimated No Top Up Period (Both CPF Only)
years
Estimated No Top Up Period (Both CPF + Cash)
months
Estimated No Top Up Period (Both CPF + Cash)
years
Total Instalments for 3 Safe Year (Both Buyers)
Total CPF remaining / top-up required (Both buyers CPF - Total Instalments)
Wealth funds remaining / top-up required (Wealth Balance - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 1)
Buyer 1 CPF remaining / top-up required (Buyer 1 CPF - Total Instalments)
Buyer 1 CPF + Cash remaining / top-up required (Buyer 1 CPF + Cash - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 2)
Buyer 2 CPF remaining / top-up required (Buyer 2 CPF - Total Instalments)
Buyer 2 CPF + Cash remaining / top-up required (Buyer 2 CPF + Cash - Total Instalments)
Second Property
5% Down Payment
Remaining Down Payment
Buyer's Stamp Duty
ABSD
$ (%)
Total Cash / CPF Required
Loan Amount Required
Loan Amt. Shortfall (Buyer 1)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Buyer 2)
Income Shortfall
Pledge
Unpledge
Loan Amt. Shortfall (Both Buyers)
Income Shortfall
Pledge
Unpledge
Total Available
Buyer 1:
Buyer 2:
Down Payment CPF
BSD CPF
ABSD CPF
Legal CPF
Total CPF
Buyer 1:
Buyer 2:
Balance CPF
Buyer 1:
Buyer 2:
5% Cash
Down Payment Cash
BSD Cash
ABSD Cash
Legal Cash
Professional Fees Cash
Misc Cash
Total Cash
Remaining CPF Avail. (Buyer 1)
Remaining CPF Avail. (Buyer 2)
Total CPF Available
Remaining Cash Available
Remaining Wealth Balance
Estimated Monthly Instalments (Both Buyers)
Estimated Monthly Instalments (Buyer 1)
Estimated Monthly Instalments (Buyer 2)
Estimated (Refinance) Monthly Instalments (Both Buyers)
Estimated (Refinance) Monthly Instalments (Buyer 1)
Estimated (Refinance) Monthly Instalments (Buyer 2)
Estimated No Top Up Period (Buyer 1 CPF Only)
months
Estimated No Top Up Period (Buyer 1 CPF Only)
years
Estimated No Top Up Period (Buyer 1 CPF + Cash)
months
Estimated No Top Up Period (Buyer 1 CPF + Cash)
years
Estimated No Top Up Period (Buyer 2 CPF Only)
months
Estimated No Top Up Period (Buyer 2 CPF Only)
years
Estimated No Top Up Period (Buyer 2 CPF + Cash)
months
Estimated No Top Up Period (Buyer 2 CPF + Cash)
years
Estimated No Top Up Period (Both CPF Only)
months
Estimated No Top Up Period (Both CPF Only)
years
Estimated No Top Up Period (Both CPF + Cash)
months
Estimated No Top Up Period (Both CPF + Cash)
years
Total Instalments for 3 Safe Year (Both Buyers)
Total CPF remaining / top-up required (Both buyers CPF - Total Instalments)
Wealth funds remaining / top-up required (Wealth Balance - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 1)
Buyer 1 CPF remaining / top-up required (Buyer 1 CPF - Total Instalments)
Buyer 1 CPF + Cash remaining / top-up required (Buyer 1 CPF + Cash - Total Instalments)
Total Instalments for 3 Safe Year (Buyer 2)
Buyer 2 CPF remaining / top-up required (Buyer 2 CPF - Total Instalments)
Buyer 2 CPF + Cash remaining / top-up required (Buyer 2 CPF + Cash - Total Instalments)
These calculations are rough estimates and is subject to final purchase price, bank assessment and meeting eligibility conditions.
Special thanks to Joanne Koh, John Lai, Ernest Phua, and all teammates for your precious contributions to make this calculator a better one!
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