SND Save & Safe AI Powered

It turns a client's property sale into a clear plan for their next move. From what they're selling, it works out how much money they free up, how much they can borrow, and what they can comfortably buy — then packages it into a clean PDF for the client and an internal brief for you.

The whole idea sits on two words:

• SAVE — the monthly mortgage instalment. Lower = easier to carry.
• SAFE — the safety net: how many years of instalments their leftover cash (the reserve) can cover with zero income. Higher = safer.

Every figure is an indicative estimate to guide a conversation — not a bank approval and not financial advice.

At the top you pick one of two modes. The whole page changes colour so you always know which you're in — gold = Proposal, green = Comparison.

All money figures are monthly, in SGD, unless the label says otherwise.

Buyers

Property to sell

Settings

Comparison options

Each option holds one or more properties. Per property you set: price, type (new launch/BUC, new EC, private resale, HDB resale), who's buying it, and whether it's own-stay or investment. Investment unlocks rent, maintenance and how many months it's rented; an own-stay new launch lets you set "rent while waiting" for the build. New EC behaves as the hybrid it is: eligibility takes the lower of MSR and TDSR, it's owner-occupied (MOP), and payments are progressive like any BUC — a resale EC past MOP should be modelled as "Pte resale".

BUC stage (progressive payments). For a new launch, pick how far construction has progressed (just booked → foundation → … → TOP). The bank disburses the loan stage by stage, so instalments start small and climb. The deck shows the full path: SAVE now (current stage) → est. time to TOP (indicative construction pace — e.g. foundation ≈ 2.5 years to TOP) → full instalment from TOP → refinanced rate ~12 months after TOP. Always confirm the developer's expected TOP date.

Firepower — the total cash + CPF the client can deploy. Worked out as:

Eligibility (how much they can borrow) — capped by the rules:

• TDSR 55% — total monthly loan repayments can't exceed 55% of gross monthly income (minus existing debts), tested at the stress rate.
• MSR 30% — for HDB/EC only, an extra cap: home loan ≤ 30% of income. The lower of the two wins.
• Tenure — set by the buyers' income-weighted average age. Older shortens it and lowers the loan.

LTV (loan-to-value) — the max % of price a bank will lend:

Buy-in — the upfront money to complete the purchase: Down payment (price − actual loan) + BSD + ABSD + renovation + legal. Whatever firepower is left after the buy-in becomes the SAFE reserve.

SAVE — the monthly mortgage. Year 1 uses the original tenure; from ~12 months you can refinance to a longer tenure, easing it to the lower Year 2+ figure.

SAFE / runway — how long the leftover cash reserve can cover the mortgage with zero income (12 × Year-1 instalment, then 12 × Year-2 each further year).

Cash vs CPF — who pays what:

Stamp duties:

• BSD — Buyer's Stamp Duty, paid on every purchase (tiered, ~1–6%).
• ABSD — Additional Buyer's Stamp Duty, charged per buyer based on how many properties they own and their residency. A married couple with ≥1 Singapore Citizen buying their first home jointly can get full ABSD remission ($0) — only when the Married toggle is on.

Investment net rent — rent isn't pure profit. The tool nets it down: rent collected − maintenance − vacancy/agent/repairs − property tax (IRAS estimate) − income tax (estimate)= net rent.

Think of two taps filling a bucket — the loan and the firepower. A plan picks the biggest property where both together are enough, and stops at whichever runs dry first. Here's how that plays out:

In Proposal mode the same firepower is redeployed four ways — same household, the client's call on risk:

Each plan shows its price, the SAVE monthly figure, and the SAFE years — so the client picks the balance they're comfortable with.

After you hit Generate, the summary panel shows:

• Firepower and (Proposal) Qualifies to borrow, or (Comparison) the Best 4-yr net gain in dollars.
• The green recommendation banner (Comparison) — says why an option wins: highest projected 4-year gain, how much more than the next option, and how much stays as reserve.
• Cards for each plan/option, with the recommended one badged and its net gain as the headline number.

Two downloads, two audiences:

• Client PDF (green button) — premium, branded. Both PDFs open with a cover page (client's name, date, your photo and name) and carry page numbers throughout. Proposal = firepower breakdown + the four plans with a Sell → Buy → Refinance → Year 4 timeline. Comparison = firepower → allocation → side-by-side table → a page per option → the written case. BUC options show their construction stage (e.g. "60% built") and a green SAVE now row.
• Agent Brief (dark button, internal) — never give this to a client. It has talking points, objection-handling, a full worked example showing every number's derivation (firepower, buy-in, 4-year return, SAVE, reserve), and a page of donut charts showing where each of the four plans sends the money (down payment, stamp duties, reno + legal, SAFE reserve).

• Save client stores the whole form to your account (it follows you across devices). Saving the same name again overwrites it. A client name is required before you can generate.
• You no longer need to remember to save. Every time you hit Generate, the profile is saved automatically under the client's name and appears in the dropdown — a green "Saved to your clients" line confirms it. Generating for the same client again updates that entry instead of creating duplicates. Use Save client only when you want a different label (e.g. "Tan family — Option B").
• The dropdown loads any saved client back — the label shows whether it was a Proposal or Comparison.
• Rename / Duplicate / Delete — pick a client in the dropdown, then use these to tidy up your list. Duplicate saves a copy under a new name — handy for what-if variants.
• Reset clears everything for a fresh start.
• Profiles are private to you — agents never see each other's saved clients.

• Verify before you present — especially the loan amount, ABSD, and any tax estimate.
• CPF nuances aren't modelled — accrued interest owed on the new purchase and CPF usage limits (Valuation Limit). Check the client's CPF statement.
• The 4-year horizon is deliberate — it clears the Seller's Stamp Duty window and avoids encouraging property "flipping". Don't present shorter-hold projections.
• The agent brief is internal only — never hand it to a client.
• Don't promise outcomes — frame plans as illustrations of what's possible.
• Comply with CEA & PropNex guidelines, including the 2% commission guideline.
• Check the engine stamp. Every PDF footer shows the engine version and "rules as at" date. If MAS/IRAS rules have moved since that date (cooling measures, BSD/ABSD, LTV), stop and tell Sophia before presenting.
• Every report you generate is archived. The client-facing PDF is stored exactly as produced (kept 24 months) so it can be retrieved later — useful if a client comes back asking for the same document, and it's the record of what was actually presented. Sophia can retrieve it by reference. Treat that as a reason to be accurate, not a reason to be shy: generate freely, just verify before you send.