Use this stamp duty calculator for Singapore buyers, along with a TDSR calculator, a progressive payment schedule and a rental yield tool, to see what a LinkTown Residences (Hougang Central Residences) unit would really cost you, from stamp duty on day one to the final payment at completion. Plug in a price from our price estimates; all four calculators update as you type. Official prices haven’t been announced, so the examples below use illustrative prices based on analysts’ expectations of about S$2,500–2,600 psf and indicative sizes.
| Illustrative unit | Indicative size | Price used in examples |
|---|---|---|
| 1-bedroom + study | 506 sq ft | ~S$1.27m |
| 2-bedroom premium | 678 sq ft | ~S$1.7m |
| 3-bedroom premium | 1,066 sq ft | ~S$2.7m |
Stamp duty calculator (BSD + ABSD)
Every buyer pays Buyer’s Stamp Duty. Additional Buyer’s Stamp Duty depends on your residency and how many homes you already own.
Stamp duty calculator (BSD + ABSD)
Estimates for illustration only, based on published IRAS/MAS rules. Rates change; confirm with IRAS, your bank and your lawyer.
How to use it
Enter the purchase price, then choose your residency status and how many residential properties you’ll own after this purchase. For joint purchases, ABSD generally follows the buyer with the highest applicable rate.
Worked examples
- S$1.27m (1-bedroom + study): BSD S$35,400.
- S$1.7m (2-bedroom): BSD S$54,600. A Singapore Citizen buying a first home pays no ABSD. A Singapore PR buying a first home pays 5% ABSD, or S$85,000, making S$139,600 in total.
- S$2.7m (3-bedroom): BSD S$104,600. A Singapore Citizen buying a second property adds 20% ABSD, or S$540,000, unless they qualify for a refund.
Common mistakes
- Forgetting that stamp duty is due within 14 days of exercising the option, before most of the loan is drawn.
- Assuming the married-couple ABSD refund is automatic. The first home has to be sold within the IRAS time limit. Our stamp duty guide covers the rules.
Progressive payment schedule
New launches are paid in stages as the building goes up. Here is what each stage costs at your price.
Progressive payment calculator
Estimates for illustration only, based on published IRAS/MAS rules. Rates change; confirm with IRAS, your bank and your lawyer.
How to use it
Enter the price to see each instalment in dollars. The first 20% is your down payment; the bank loan usually starts from the foundation stage onwards.
Worked example at S$1.7m
- Option to Purchase (5%): S$85,000 in cash
- S&P, within about eight weeks (15%): S$255,000 in cash and/or CPF
- Foundation (10%): S$170,000; then the reinforced concrete frame (10%), walls, roof, doors and wiring, and car park and roads (5% each)
- TOP (25%): S$425,000
- CSC (15%): S$255,000
Because the loan is drawn in stages, early interest payments are small and rise as construction progresses. With completion expected around 2030/2031, the later stages are several years away. The progressive payment guide explains each stage.
TDSR calculator: maximum loan
Banks cap total monthly debt repayments at 55% of gross income, using a stress-test interest rate. Check how large a loan, and therefore what price your income supports.
Maximum loan & affordability (TDSR)
Estimates for illustration only, based on published IRAS/MAS rules. Rates change; confirm with IRAS, your bank and your lawyer.
How to use it
Enter gross monthly income for all borrowers, existing monthly debts such as car loans, and the loan tenure. The calculator applies the 4% stress-test rate for private property.
Worked examples (30-year loan, 75% LTV, no other debts)
- S$1.27m: loan S$952,500, stress-tested instalment about S$4,550 a month, needing about S$8,270 gross monthly income.
- S$1.7m: loan S$1.275m, about S$6,090 a month, needing about S$11,070.
- S$2.7m: loan S$2.025m, about S$9,670 a month, needing about S$17,580.
Common mistakes
- Leaving out car loans, credit card minimums or guarantor commitments, which all count towards TDSR.
- Assuming 75% LTV applies in every case. It falls to 45% or 35% for second and subsequent loans, and is lower if the tenure goes beyond 30 years or runs past age 65.
- Counting all bonus or commission income. Banks usually discount variable income.
Rental yield
If you’re buying to rent out, estimate your gross and net yield. Rent for a new integrated development is an assumption until real leases exist, so try a few scenarios.
Rental yield calculator
Estimates for illustration only, based on published IRAS/MAS rules. Rates change; confirm with IRAS, your bank and your lawyer.
How to use it
Enter the price and a monthly rent, then your yearly costs (maintenance fees, property tax, agent fees, repairs) to see net yield. We don’t publish rent figures for LinkTown Residences because there are none yet. Check URA rental data for Hougang condos, and read our rental potential guide.
Working backwards
A S$1.27m unit would need about S$4,230 a month in rent for a 4% gross yield, or about S$3,180 for 3%. Compare those figures with what similar Hougang units actually rent for before you rely on them.
Putting the four together
Start with the loan calculator to find the price your income supports, then check the stamp duty and down payment you’d need in cash and CPF at that price. Next, look at the payment schedule to see when the larger instalments fall, especially if you’re selling an HDB flat and may need a bridging loan. Upgraders can read the HDB upgrader guide for timing.
What these numbers don’t include
- Legal and conveyancing fees, and valuation fees
- Renovation, furniture and appliances (see our renovation loan guide)
- Maintenance fees and sinking fund contributions, which haven’t been announced
- Property tax, fire and home insurance, and mortgage insurance
- Changes in interest rates after you sign, and any bank fees
Calculators are for estimation only and use rules as published at the time of writing. Stamp duty, ABSD, TDSR and LTV rules can change. Verify with IRAS, MAS and your bank before committing. Prices shown are illustrative, not official.
