PropertySmartSG tools

Property purchase timeline

Map what happens after an offer: option fee, exercise deadline, stamp duty, lawyer fees, bank loan drawdown and completion money.

Better inputs

Anchor the calculator with real transaction pages

Before you rely on an estimate, open the matching project or district and use the latest rent, sale price, PSF and transaction depth as your starting point.

Project pages Use exact condo rent, sale, PSF and transaction depth when the project is known. District pages Compare the wider market when a project has thin or uneven transaction history. HDB resale pages Use estate and street resale prices when the decision involves HDB resale. Data freshness Check the latest refreshed month before making a time-sensitive decision. Rankings Find high-rent, high-sale, active and stable-rent projects before narrowing the calculator inputs.

Purchase price or market value LOI / option date

Option fee Exercise payment

Exercise window Completion after exercise

Expected bank loan Estimated lawyer fees Primary buyer ABSD profile Co-buyer / partner profile

Option fee - LOI / option date

Exercise payment - Exercise deadline

Stamp duty - Due date

Bank loan - Expected financing

Purchase money snapshot

Quick view of the big numbers before bank processing charges, valuation fees, renovation or unusual legal work.

25% downpayment: -
Bank loan: -
BSD: -
ABSD: -
Lawyer fees: -
Estimated cash/CPF needed: -

LOI / option signed

Pay the option fee and lock in the key commercial terms before you move into exercise, financing and legal checks.

Bank and lawyer checks

Get loan approval, confirm CPF/cash plan, review the option documents and surface any questions before exercise.

Exercise the option

Pay the exercise amount and sign the exercise documents if you are proceeding with the purchase.

Pay BSD and ABSD

Stamp duty is an upfront cost. For documents signed in Singapore, IRAS generally requires BSD and ABSD within 14 days after signing.

Completion and keys

The bank loan draws down, the remaining cash/CPF is paid, and completion happens through the lawyers.

Open stamp duty estimate

Projects to run through the purchase timeline

Open a project page, then use this timeline with the project median sale price already filled in.

6 transaction-backed matches

Sale benchmarks Cash timeline

Purchase timeline FAQ

Quick answers about option fees, exercise windows, lawyer fees, stamp duty and completion planning.

Is the 1 percent option fee always required?

The 1 percent option fee is a common private resale convention, but the actual amount depends on the contract. This tool makes the percentage editable so you can match the terms you are seeing.

Why does the tool use a 14-day exercise window?

Fourteen days is a common default after the option date, but actual timelines can differ. Use the date fields to reflect your option document, lawyer guidance and bank approval timing.

Are lawyer fees exact?

No. The lawyer fee field is an estimate. It defaults to 5,000 dollars as a conservative planning assumption, but you should replace it with the actual quote from your lawyer.

What does the purchase money snapshot include?

It shows the major planning items: down payment, bank loan, BSD, ABSD, lawyer fees and estimated cash or CPF needed. It excludes unusual legal work, valuation fees, bank processing fees, renovation and moving costs.

Why does completion cash differ from total cash needed?

Completion cash focuses on what remains for the purchase price after loan, option fee and exercise payment. Total cash or CPF needed also includes stamp duty and estimated lawyer fees.

Can I use this for new launch purchases?

It is mainly shaped around a private resale style option process. New launch payment schedules can differ, so use this as a rough planning aid and check the actual sale documents.

How to use this estimate

Use the result as a decision aid, then verify the numbers that can change your cashflow, tax bill or approval.

Use real market inputs

A calculator is only as good as the rent, price, rate, loan and buyer profile you put into it. Start from a project page or district page when possible.

Treat this as an estimate

These results are for comparison and planning. Confirm taxes with IRAS, loan terms with your bank, and legal dates with your lawyer.

Stress-test the decision

Try a higher interest rate, lower rent, longer vacancy, bigger cash buffer or different holding period before treating the number as comfortable.