Max budget confirmed at S$1,450,000. TDSR within limits.
✓
Bank Pre-Approval
Completed · 18 Jan 2025
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Property Viewings
In Progress · 3 done so far
2 shortlisted units: Sceneca Residence #08-14 and Pinetree Hill #05-22. Andik will arrange 2nd viewing once you confirm.
5
Option to Purchase (OTP)
Pending selection
6
Exercise OTP · Legal Completion
~3 weeks after OTP
7
🏠 Key Collection
Upon completion
Documents to Prepare Now
✅
NRIC / Passport
✅
Last 3 months payslips
✅
Latest CPF statement
⬜
NOA (Notice of Assessment)
Needed before OTP
⬜
Appoint a conveyancing lawyer
Andik can recommend one
Enquiries
Live interest on your shortlisted properties.
Sceneca Residence Tanah Merah Kechil Link
3 Bed · 1,044 sqft · S$2,100,000
High Demand
18 today
74 this week
3 offers
🔥 3 offers received — decision may be needed soon
Pinetree Hill Ulu Pandan Road
3 Bed · 1,259 sqft · S$2,650,000
Moderate
9 today
41 this week
1 offer
⚡ Steady interest — some time to decide
The Continuum Thiam Siew Avenue
3 Bed · 1,163 sqft · S$2,980,000
Watching
5 today
22 this week
0 offers
📊 Low pressure — good for negotiation
Reports
Calculations & analysis shared by Andik.
Affordability
Your Max Budget
14 Apr 2025
S$1,450,000
TDSR 48% ✓
Max Loan
S$1,087,500
Monthly
S$4,200
Down Pmt
S$362,500
Loan Instalment
Sceneca #08-14
12 Apr 2025
S$7,890/mo
Within budget ✓
Loan
S$1,575,000
Rate
3.5% p.a.
Tenure
25 years
Loan Instalment
The Continuum #12-08
12 Apr 2025
S$11,194/mo
Over budget
Loan
S$2,235,000
Rate
3.5% p.a.
Tenure
25 years
Quick Calculators
S$
%
yrs
Monthly Instalment—
Total Interest—
Total Repayment—
S$
S$
Max Monthly Instalment—
Est. Max Loan (25yr @ 4%)—
Est. Max Property Price—
S$
S$
CPF for Down Payment (20%)—
Min Cash Required (5%)—
Remaining CPF After—
CPF & FRS
2025 reference figures — always up to date.
2025 Figures
Full Retirement Sum
$213,000
FRS · Jan 2025
Basic Retirement Sum
$106,500
BRS · ½ of FRS
Enhanced Ret. Sum
$426,000
ERS · 2× FRS
OA Interest Rate
2.5%
Per annum
Employee CPF Contribution
Below 5520%
55 – 6015%
60 – 659.5%
65 – 707%
Above 705%
OA Allocation (of total CPF)
Below 3523% → OA
35 – 4521% → OA
45 – 5019% → OA
50 – 5515% → OA
Why this matters when you sell: CPF used for your property + accrued interest at 2.5% p.a. must be refunded to your OA. This comes out of your sale proceeds — always factor this in when upgrading.