Thomson Reserve · Ownership
Beyond
the price.
A home should fit
the rest of your finances.
See the funds to set aside for a purchase, then explore how its value could change over time. A few clear assumptions make the numbers easier to weigh.
Compare nearby prices01 Buying the home
Put the pieces
together.
Choose a home and buyer profile. Released starting prices fill the budget automatically; you can adjust the price for a specific unit.
Your starting point
Enter a purchase price in whole Singapore dollars above zero to see the calculations.
Use a loan share of 0–75%, interest of 0–15% and a whole-year term of 1–30.
Downpayment + stamp duties
Before legal fees, furnishing and other purchase costs. This is not an all-cash requirement.
- Purchase price used
- S$2,503,000
- Downpayment
- S$625,750
- Buyer’s Stamp Duty
- S$94,750
- Additional Buyer’s Stamp Duty (0%)
- S$0
Illustrative monthly mortgage
S$6,389 / month
S$1,877,250 loan · 1.4% · 30 years
How to read this budget
The price starts from the released amount for your selected home type, where available. You can change it to a specific unit quote or your own budget. No price is filled for unpriced layouts. We assume valuation equals price; stamp duties use the higher of price or market value.
The downpayment is the part of the price outside the assumed loan. Cash and CPF eligibility, minimum cash requirements and payment timing need a separate assessment. The mortgage is a fully drawn, monthly amortising loan; payments during construction follow staged drawdowns.
Joint purchases, treaty eligibility and ABSD remissions need individual assessment. No relief is applied here. Rates checked 12 September 2026: IRAS BSD, IRAS ABSD and MoneySense borrowing guide.
02 Looking ahead
A view of
the future value.
Choose how long you plan to hold the home and an annual price change. See what that could mean for its resale value.
3-bedroom · S$2,503,000 purchase price used
Illustrated at 3% annual appreciation over 5 years. Adjust either assumption to explore your holding plan.
Use a whole-year holding period of 1–30 and an annual change from −20% to 20%.
Purchase to year 5
Change in property value
15.9% increase over 5 years.
Before buying, financing, holding and selling costs. This is a price scenario, not net profit or a forecast.
How the estimate works
Your selected purchase price compounds by your selected rate each year, starting from purchase. The annual rate stays constant in this illustration; actual prices can rise or fall.
The value change is resale value minus purchase price. Stamp duties, loan interest, upkeep and selling fees are excluded. Your loan balance and any CPF refund affect the proceeds available on sale. The purchase budget above shows acquisition duties separately.
Bring the numbers together.
We can work through your home shortlist, financing assumptions and purchase costs, then compare the commitment with nearby alternatives.
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