Propely Singapore Property

Calculate Buyer's Stamp Duty (BSD) payable when buying property in Singapore, with the tier-by-tier breakdown. Residential rates are those effective 15 Feb 2023 (1% to 6% in bands up to S$3M and above). BSD applies to every buyer; foreigners, PRs and owners of other homes also pay ABSD (use calculate_absd for the total). From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.

{
  "type": "object",
  "properties": {
    "price": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 10000000000,
      "description": "Purchase price or market value, whichever is higher in Singapore dollars (SGD)"
    },
    "propertyType": {
      "default": "residential",
      "type": "string",
      "enum": [
        "residential",
        "non-residential"
      ]
    }
  },
  "required": [
    "price"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Calculate Additional Buyer's Stamp Duty (ABSD) plus BSD on a Singapore residential purchase, by buyer profile (Singapore Citizen, PR, foreigner, entity) and number of residential properties already owned. Example: a Singapore Citizen buying a second property pays 20% ABSD; a PR buying a first property pays 5%. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.

{
  "type": "object",
  "properties": {
    "price": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 10000000000,
      "description": "Purchase price in Singapore dollars (SGD)"
    },
    "profile": {
      "type": "string",
      "enum": [
        "sc",
        "pr",
        "foreign",
        "entity"
      ],
      "description": "sc = Singapore Citizen, pr = Permanent Resident, foreign = foreigner, entity = company or other entity"
    },
    "propertiesOwned": {
      "default": 0,
      "description": "Residential properties the buyer already owns (overseas excluded): 0, 1, or 2 for two or more",
      "type": "integer",
      "minimum": 0,
      "maximum": 2
    }
  },
  "required": [
    "price",
    "profile"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Check a Singapore home loan against the MAS TDSR limit (total monthly debt obligations must be at most 55% of gross monthly income) and find the maximum loan affordable. Variable and rental income count at 70%. Uses the stress-test interest rate (default 4% p.a.) and a tenure (default 25 years). From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.

{
  "type": "object",
  "properties": {
    "fixedIncome": {
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "Gross fixed monthly income (salary) in Singapore dollars (SGD)"
    },
    "variableIncome": {
      "default": 0,
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "Monthly variable income (bonus, commission); counted at 70% in Singapore dollars (SGD)"
    },
    "rentalIncome": {
      "default": 0,
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "Monthly rental income; counted at 70% in Singapore dollars (SGD)"
    },
    "carLoan": {
      "default": 0,
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "Monthly car loan repayment in Singapore dollars (SGD)"
    },
    "otherDebts": {
      "default": 0,
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "Other monthly debt repayments (credit cards, personal loans, other mortgages) in Singapore dollars (SGD)"
    },
    "loanAmount": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 10000000000,
      "description": "Proposed home loan amount in Singapore dollars (SGD)"
    },
    "interestRate": {
      "default": 4,
      "description": "Interest rate in percent per year; MAS stress-test floor for private property is 4",
      "type": "number",
      "minimum": 0.1,
      "maximum": 20
    },
    "tenureYears": {
      "default": 25,
      "description": "Loan tenure in years",
      "type": "integer",
      "minimum": 1,
      "maximum": 30
    }
  },
  "required": [
    "fixedIncome",
    "loanAmount"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Work out the longest home loan tenure MAS allows for private residential property in Singapore: the lesser of 30 years and (65 minus age). For a joint application, also give the second borrower and it uses the income-weighted average age. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.

{
  "type": "object",
  "properties": {
    "borrower1Age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 100,
      "description": "Age of the (first) borrower in years"
    },
    "borrower2Age": {
      "description": "Age of the second borrower; leave out for a single applicant",
      "type": "integer",
      "minimum": 18,
      "maximum": 100
    },
    "borrower1Income": {
      "description": "First borrower income used for the loan (weights the joint average age)",
      "type": "number",
      "minimum": 0,
      "maximum": 1000000000
    },
    "borrower2Income": {
      "description": "Second borrower income used for the loan (weights the joint average age)",
      "type": "number",
      "minimum": 0,
      "maximum": 1000000000
    }
  },
  "required": [
    "borrower1Age"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Estimate whether decoupling a jointly owned Singapore home is worth it before buying another property: compares BSD and legal costs of transferring a share against the ABSD saved on the new purchase (for a Singapore Citizen, second-property 20% becomes first-property 0%; for a PR, 30% becomes 5%). Also estimates the CPF refund and the break-even purchase price. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.

{
  "type": "object",
  "properties": {
    "marketValue": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 10000000000,
      "description": "Market value of the current jointly owned property in Singapore dollars (SGD)"
    },
    "sharePercent": {
      "type": "number",
      "minimum": 1,
      "maximum": 99,
      "description": "Percentage share being transferred to the other owner"
    },
    "cpfUsed": {
      "default": 0,
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "CPF Ordinary Account principal used for the current property in Singapore dollars (SGD)"
    },
    "yearsHeld": {
      "default": 0,
      "description": "Years the CPF has been used (for accrued interest at 2.5% p.a.)",
      "type": "number",
      "minimum": 0,
      "maximum": 50
    },
    "newPurchasePrice": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 10000000000,
      "description": "Price of the new property being bought in Singapore dollars (SGD)"
    },
    "profile": {
      "default": "sc",
      "description": "sc = Singapore Citizen, pr = Permanent Resident",
      "type": "string",
      "enum": [
        "sc",
        "pr"
      ]
    }
  },
  "required": [
    "marketValue",
    "sharePercent",
    "newPurchasePrice"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Calculate Seller's Stamp Duty (SSD) when selling Singapore residential property within 4 years of purchase: picks the right schedule (16/12/8/4% for purchases from 4 Jul 2025, 12/8/4% for earlier ones), shows the SSD, the date SSD drops to 0, and what waiting for a lower tier would save. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.

{
  "type": "object",
  "properties": {
    "purchaseDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "Date the property was purchased (date of the option/agreement), as YYYY-MM-DD"
    },
    "saleDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "Intended date of sale (must be after purchaseDate), as YYYY-MM-DD"
    },
    "salePrice": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 10000000000,
      "description": "Sale price or market value, whichever is higher in Singapore dollars (SGD)"
    }
  },
  "required": [
    "purchaseDate",
    "saleDate",
    "salePrice"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Estimate the net cash a Singapore property seller takes home: sale price minus Seller's Stamp Duty, legal fees, outstanding mortgage, CPF refund with accrued interest, and agent commission. Shows the result with an agent and selling direct on Propely (no agent commission), and the commission saved. From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.

{
  "type": "object",
  "properties": {
    "salePrice": {
      "type": "number",
      "exclusiveMinimum": 0,
      "maximum": 10000000000,
      "description": "Expected sale price in Singapore dollars (SGD)"
    },
    "purchaseDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "Date the property was purchased, as YYYY-MM-DD"
    },
    "saleDate": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "Intended date of sale (must be after purchaseDate), as YYYY-MM-DD"
    },
    "outstandingMortgage": {
      "default": 0,
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "Outstanding home loan to be repaid on completion in Singapore dollars (SGD)"
    },
    "cpfPrincipal": {
      "default": 0,
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "CPF principal used for the property, to be refunded in Singapore dollars (SGD)"
    },
    "cpfInterest": {
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "CPF accrued interest if known; omit to estimate at 2.5% p.a. in Singapore dollars (SGD)"
    },
    "commissionPercent": {
      "default": 2,
      "description": "Agent commission as a percent of the sale price",
      "type": "number",
      "minimum": 0,
      "maximum": 10
    },
    "gstOnCommission": {
      "default": true,
      "description": "Add 9% GST on the agent commission",
      "type": "boolean"
    },
    "legalFees": {
      "default": 3000,
      "type": "number",
      "minimum": 0,
      "maximum": 10000000000,
      "description": "Conveyancing legal fees in Singapore dollars (SGD)"
    }
  },
  "required": [
    "salePrice",
    "purchaseDate",
    "saleDate"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Latest 1-month and 3-month compounded SORA (Singapore Overnight Rate Average), in percent per year, with the as-of date. Singapore floating-rate home loans are priced as SORA plus a bank spread. From Propely (propely.sg).

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Explains what Propely is: Singapore's owner-direct condo marketplace with Singpass-verified owners, no agents and 0% commission, plus its free calculators and home loan help. Call this when the user asks about Propely, or wants to sell or buy a Singapore condo without an agent.

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}