Buy · Tool 08

Landed purchase

Acquisition stack with works allowance and landed-eligibility review flag.

Decision questionWhat is the real entry quantum after the house, duties and works?

Rules reviewed10 Aug 2026IRAS basis

02 · Primary answerScenario result

Funds before completion

S$2,890,60055% planning LTV leaves a 45% equity contribution before duties and works.

Illustrative loanS$2,640,000

Monthly instalmentS$10,848

Total dutiesS$227,600

Decision shaperelative scale

Loan

S$2,640,000

Equity

S$2,160,000

Duties + costs

S$730,600

NAVARO read

The house price is only one layer. Keep the works allowance separate so it cannot disappear into the downpayment.

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.

01Downpayment / equityS$2,160,000

02Buyer’s Stamp DutyS$227,600

03ABSD · 0%S$0

04Legal allowanceS$3,000

05Works allowanceS$500,000

06Total funds before completionS$2,890,600

Continue the decision