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Buy · Tool 04
Private-home purchase
Complete upfront cost stack, financing split and monthly commitment.
Decision questionHow much must be ready before completion?
Rules reviewed10 Aug 2026IRAS basis
02 · Primary answerScenario result
Funds before completion
S$872,60055% planning LTV leaves a 45% equity contribution before duties.Illustrative loanS$990,000
Monthly instalmentS$4,068
Total dutiesS$59,600
Decision shaperelative scale
NAVARO read
The primary risk is a funding-timing mismatch: duties and minimum cash requirements arrive before the long-term economics do.
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$810,000
02Buyer’s Stamp DutyS$59,600
03ABSD · 0%S$0
04Legal allowanceS$3,000
05Total funds before completionS$872,600