HDB sahiplerinin EC konuta geçişinde %30 MSR kredi tavanını, Ertelenmiş Ödeme Planını (DPS) ve peşinat gereksinimlerini hesaplayın.
Under DPS, purchase price is $1,493,500 (incl. 3% developer premium), deferring all loan servicing until TOP.
Max\ MSR\ Payment = Gross\ Household\ Income \times 30\% \\
Max\ Loan = PV(Rate_{stress\ 4\%},\ Tenure,\ Max\ MSR\ Payment) \\
Total\ Initial\ Capital = 20\%\ Downpayment + BSD\ Stamp\ Duty + Resale\ LevyUnder MAS regulations, EC buyers are bound by the 30% Mortgage Servicing Ratio (MSR). The Deferred Payment Scheme (DPS) enables HDB upgraders to pay just 20% downpayment upfront, deferring the 65% loan drawdown until TOP so they do not service two mortgages at once.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
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