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Plan · Tool 35
Property emergency buffer
Builds a liquidity reserve from mortgage, household costs, vacancy and repair exposure.
Decision questionHow much cash should remain untouched after completion?
Rules reviewed10 Aug 2026NAVARO method basis
02 · Primary answerNeeds attention
Buffer shortfall
S$4,0009 months of essential outgoings plus a separate repair allowance.Target reserveS$124,000
Liquid cashS$120,000
Monthly essentialsS$11,000
Decision shaperelative scale
NAVARO read
The purchase would leave the household below its selected reserve. Reduce the commitment or rebuild liquidity first.
03 · Calculation trail
See the number being built.
The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.
01MortgageS$5,200
02Household essentialsS$4,800
03Property costsS$1,000
04Reserve-month requirementS$99,000
05Repair allowanceS$25,000
06Target reserveS$124,000