{"id":7161,"date":"2016-09-20T08:44:20","date_gmt":"2016-09-20T00:44:20","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=7161"},"modified":"2022-07-01T04:03:45","modified_gmt":"2022-06-30T20:03:45","slug":"paying-resale-flat","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/paying-resale-flat\/","title":{"rendered":"99.co guides: Everything to know about paying for a resale flat"},"content":{"rendered":"
<\/div>
\"Fret
Fret not, knowing what, and when to pay for the resale flat you desire doesn’t have to be difficult<\/figcaption><\/figure>\n

Resale flats are back in vogue. <\/span><\/p>\n

Since the government\u2019s implementation of property cooling measures, cash-over-valuation (COV) has been effectively eradicated, and property buyers are flocking back to purchasing resale flats once more.<\/p>\n

But while COVs are out, it doesn\u2019t automatically mean a resale flat is the best bet for you financially; you still need to make sure that your purchase is one that you can afford on your budget.<\/p>\n

To help you determine that, we\u2019ve come up with a little cheat sheet so you can see what your financial obligations will be like when buying a resale flat, and when they kick in!<\/span><\/p>\n

\"A
A step-to-step guide to paying for your resale flat<\/figcaption><\/figure>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Fee payable \/ stage purchase<\/strong><\/td>\nApproximate timeframe<\/strong><\/td>\n% purchase price \/ fees payable<\/strong><\/td>\n\n

Source of funds<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Grant of option\u00a0<\/span><\/p>\n

(Booking fee)<\/span><\/p>\n<\/td>\n

–<\/span><\/td>\n$1 – $1,000<\/span><\/td>\n\n

Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Valuation fee<\/span><\/p>\n<\/td>\n

–<\/span><\/td>\n1 \/ 2 – room flat<\/strong><\/p>\n

$140.40<\/span><\/p>\n

3\u00a0<\/b>– room and bigger<\/strong><\/b><\/p>\n

$199.25<\/span><\/td>\n

\n

Credit card<\/p>\n

(If via e-resale service)<\/span><\/p>\n

or<\/p>\n

GIRO<\/p>\n

(If via estate agent toolkit)<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Deposit<\/span><\/p>\n<\/td>\n

Within 21 days<\/span>*<\/b><\/td>\n\n

$4,000 – $4,999<\/span>**<\/b><\/p>\n<\/td>\n

\n

Cash<\/p>\n<\/td>\n<\/tr>\n

Application fee<\/span><\/td>\nWithin timeline agreed between parties<\/span><\/td>\n1 \/ 2 – room flat<\/strong>
\n$40<\/span>
\n3<\/b>– room and bigger<\/strong><\/b>$80<\/span><\/td>\n		\n

Credit card<\/p>\n

(If via e-resale service)<\/span><\/p>\n

or<\/p>\n

GIRO<\/p>\n

(If via estate agent toolkit)<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Initial payment (HDB loan)\u00a0<\/span>+ using CPF to pay for initial payment<\/span><\/p>\n<\/td>\n

~ 6 – 8 weeks<\/span><\/p>\n

(at first appointment)<\/span><\/td>\n

10% of purchase price<\/span><\/td>\nCPF<\/td>\n<\/tr>\n
\n

Initial payment<\/p>\n

(if taking bank loan)<\/span><\/p>\n<\/td>\n

~ 6 – 8 weeks<\/span><\/p>\n

(at first appointment)^<\/span><\/td>\n

20%\u00a0<\/span>of purchase price<\/span>^^<\/b><\/td>\n5% cash + 15% CPF\/cash<\/td>\n<\/tr>\n
\n

Stamp duty on option<\/span><\/p>\n<\/td>\n

–<\/span><\/td>\n1st<\/b>\u00a0$180,000<\/b>
\n1%
\n<\/span>
\n2nd<\/b>\u00a0$180,000<\/b>
\n2%
\n<\/span>
\nRemainder of purchase price<\/b>
\n3%<\/span><\/td>\n		Cash\/CPF<\/td>\n<\/tr>\n
\n

Stamp duty on mortgage<\/p>\n<\/td>\n

–<\/span><\/td>\n0.4% of loan\u2208<\/span><\/td>\n\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

\n

Additional Buyer’s Stamp Duty (ABSD)\u03a9<\/span><\/p>\n<\/td>\n

–<\/span><\/td>\n5%\u00a0<\/span>of purchase price OR market valuation (whichever is higher)<\/td>\n\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

Conveyancing legal fees<\/span><\/td>\n–<\/span><\/td>\nConveyancing legal fees\u03a8<\/b><\/p>\n

1<\/b>ST<\/b> $30,000<\/b>
\n13.50 cents per $100 or<\/span>\u00a0part thereof\u00a0<\/span><\/p>\n

2<\/b>ND<\/b> $30,000<\/b>
\n10.80 <\/span>cents per $100 or\u00a0part thereof<\/p>\n

Remainder of purchase price<\/b><\/b>
\n9\u00a0<\/span>cents per $100 or\u00a0part thereof<\/p>\n<\/td>\n

\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

Legal fees\u2020<\/b>
\n~ $2,300<\/span><\/td>\n		\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

Caveat registration fees<\/span><\/td>\n–<\/span><\/td>\nBuyer’s caveat\u2020\u2020<\/b>
\n$64.45<\/span>
\nMortgagee’s caveat\u2021<\/b>
\n$64.45<\/span><\/td>\n		Cash\/CPF<\/td>\n<\/tr>\n
Registration fees\u03a6<\/span><\/td>\n–<\/span><\/td>\nLease in-escrow<\/b>
\n$38.30<\/span>Mortgage in-escrow<\/b>
\n$38.30<\/span><\/td>\n		\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

Title search fees\u00bb<\/span><\/td>\n–<\/span><\/td>\n$10.40<\/span><\/td>\n\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

Cash-over-valuation<\/span><\/td>\n–<\/b><\/td>\nValuation less purchase price<\/span><\/td>\nCash<\/td>\n<\/tr>\n
Initial payment (HDB loan + cash to make inital payment)<\/span><\/td>\n~ 6 – 10 weeks<\/td>\n10%\u00a0<\/span><\/span>of purchase price<\/span><\/td>\nCash<\/td>\n<\/tr>\n
Home protection scheme\u00ab<\/span><\/td>\n–<\/span><\/td>\nDependant on gender, loan amount, type and duration.<\/span><\/p>\n

Calculator available <\/span>here<\/span><\/a><\/td>\n

\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

Fire insurance<\/span><\/td>\n–<\/span><\/td>\n~ <\/span>$1.50 – $7.50<\/a>\u00a0for 5 years<\/span><\/td>\nCheque<\/td>\n<\/tr>\n
\n

Balance of purchase price<\/span><\/p>\n<\/td>\n

–<\/span><\/td>\nPurchase price less initial payment, option fee & deposit<\/span><\/p>\n

 <\/td>\n

\n

Loan \/ CPF\/ Cash<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

*<\/b> Or within timeline agreed in Option<\/span><\/p>\n

**\u00a0<\/b>Booking fee + deposit cannot exceed $5,000 in total<\/span><\/p>\n

^\u00a0<\/b>Payment timing dependant on bank\u2019s payment schedule<\/span><\/p>\n

^^\u00a0<\/b>Based on an 80% loan ceiling<\/span><\/p>\n

\u2208 Subject to maximum cap of $500<\/span><\/p>\n

\u03a9 Only applicable to Singapore Permanent Resident households<\/span><\/p>\n

\u03a8 Payable if HDB solicitors are acting for you. Same rate applies for both transfer and mortgage. Subject to GST.<\/span><\/p>\n

\u2020\u00a0Payable if external solicitors are acting for you<\/span><\/p>\n

\u2020\u2020\u00a0Payable if HDB solicitors are acting for you<\/span><\/p>\n

\u2021\u00a0Payable only if you take a loan from HDB<\/span><\/p>\n

\u03a6\u00a0<\/b>Payable if you take a loan from HDB, and are using HDB\u2019s solicitors to act for you<\/span><\/p>\n

\u00bb\u00a0<\/b>Does not apply if you take a bank loan and have external solicitors act for you<\/span><\/p>\n

\u00ab\u00a0Payable only if you intend to use your CPF to service your monthly loans<\/span><\/p>\n

HDB Resale Flat (HDB Loan) (Illustration)<\/b><\/h3>\n

Let\u2019s take the example of newlywed couple David and Anna, who are both Singapore Citizens in their early 20s.<\/p>\n

They are first-timer applicants with a combined income of $6,000\/month looking to purchase a 3-Room Resale Flat, with a purchase price of $400,000. They have $20,000 in their CPF accounts, and find that they qualify for a <\/span>Family Grant<\/span><\/a> totaling $30,000.<\/span><\/p>\n

According to the Valuation Report, the flat is valued at $400,000, so no COV is payable.
\n<\/span>
\nThey will be financing their purchase with an HDB Loan which will cover up to 90% of the purchase price, for a term of 25 years, and have been asked to pay $1000 as a Booking Fee for the Option. They also intend to service their loan instalments using their CPF.<\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fee payable \/ Stage purchase <\/strong><\/p>\n<\/td>\n

% purchase price \/ fees payable<\/strong><\/td>\nSource of funds<\/strong><\/td>\n<\/tr>\n
\n

Grant of option<\/p>\n

(Booking fee)<\/p>\n<\/td>\n

\n

\u00a0$1,000<\/span><\/p>\n<\/td>\n

\n

Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Valuation fee<\/p>\n<\/td>\n

\n$199.25<\/td>\n\n

Credit card<\/p>\n<\/td>\n<\/tr>\n

\nDeposit<\/span><\/td>\n$4,000<\/span><\/td>\n\n

Cash<\/td>\n<\/tr>\n

\n

Application fee<\/span><\/p>\n<\/td>\n

\n$80<\/span><\/td>\n\n

Credit card<\/p>\n<\/td>\n<\/tr>\n

\nInitial payment<\/span><\/td>\n\n$40,000<\/span><\/td>\n\n

CPF<\/p>\n<\/td>\n<\/tr>\n

\n

Stamp duty on option<\/span><\/p>\n<\/td>\n

\n$6,600<\/span><\/td>\n\nCash\/CPF<\/td>\n<\/tr>\n
\n

Stamp duty on mortgage<\/p>\n<\/td>\n

$500<\/span><\/td>\n\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

\n

Conveyancing fees<\/span><\/p>\n<\/td>\n

\n$1,009.01<\/span><\/p>\n

($405.53 + $603.48) <\/span><\/td>\n

\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

\n

Lease in-escrow registration fees<\/span><\/p>\n<\/td>\n

\n$38.30<\/span><\/td>\n\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

\n

Mortgage in-escrow registration fees<\/span><\/p>\n<\/td>\n

\n$38.30<\/span><\/td>\n\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

\n

Caveat registration fees<\/span><\/p>\n<\/td>\n

\n$128.90<\/span><\/td>\n\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

\n

Title search fees<\/span><\/p>\n<\/td>\n

$10.40<\/span><\/td>\n\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

\nHome protection scheme<\/span><\/td>\n$241.56<\/span><\/p>\n

(Yearly premium)<\/span><\/td>\n

\n

Cash\/CPF<\/p>\n<\/td>\n<\/tr>\n

\nFire insurance<\/span><\/td>\n$4.50<\/span><\/td>\n\n

Cheque<\/p>\n<\/td>\n<\/tr>\n

\n

Balance of purchase price<\/span><\/p>\n<\/td>\n

$355,000<\/span><\/td>\n\n

Loan\/CPF\/Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Total<\/span><\/p>\n<\/td>\n

\n

$408,850.22<\/b><\/p>\n<\/td>\n

<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Assuming they wish to utilise the entire HDB loan, here\u2019s what their financial obligation would look like: \u00a0<\/span><\/p>\n

HDB Loan \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/b>: $355,000<\/span><\/p>\n

CPF \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/b>: $50,000<\/span><\/p>\n

Cash \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/b>\u00a0\u00a0: $3,850.22 ($408, 850.22 – $50,000 – $355,000)<\/span><\/p>\n

*<\/span>HDB loan will wipe out CPF Savings first, then finance the balance<\/b><\/p>\n

HDB Resale Flat (Bank Loan) (Illustration)<\/b><\/h3>\n

Now let\u2019s see how the finances work out if David and Anna decide to get a loan from a bank instead.
\n<\/span><\/p>\n

Since this is their first and only loan, they would be entitled to a bank loan covering 80 percent of their total purchase price. They have also decided to go with external lawyers to help them through the transaction, and will be paying them $2500 for their services.<\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Fee payable \/ Stage purchase<\/strong><\/p>\n<\/td>\n

% purchase price \/ fees payable<\/strong><\/td>\n\n

Source of funds<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Grant of option<\/p>\n

(Booking fee)<\/p>\n<\/td>\n

\n

$1,000<\/span><\/p>\n<\/td>\n

\n

Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Valuation fee<\/p>\n<\/td>\n

\n$199.25<\/span><\/td>\n\n

Credit card<\/p>\n<\/td>\n<\/tr>\n

\n

Deposit<\/span><\/p>\n<\/td>\n

\n

$4,000<\/span><\/p>\n<\/td>\n

\n

Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Application fee<\/p>\n<\/td>\n

\n$80<\/span><\/td>\n\n

Credit card<\/p>\n<\/td>\n<\/tr>\n

\n

Initial payment<\/span><\/p>\n<\/td>\n

\n$20,000 (Cash)\u00a0<\/span>+\u00a0<\/span>$45,000(CPF)<\/span><\/p>\n

+\u00a0<\/span>$15,000 (Cash)<\/span><\/td>\n

\n

5% cash +<\/p>\n

15% CPF \/ Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Stamp duty on option<\/span><\/p>\n

\n<\/td>\n

$6,600<\/span><\/td>\n\n

Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Stamp duty on mortgage<\/p>\n<\/td>\n

$500<\/span><\/td>\n\n

Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Legal fees<\/span><\/p>\n<\/td>\n

\n$2,500<\/span><\/td>\n\n

Cash<\/p>\n<\/td>\n<\/tr>\n

\n

Home protection scheme<\/p>\n<\/td>\n

$241.56<\/span><\/p>\n

(Yearly premium)<\/span><\/td>\n

Cash\/CPF<\/td>\n<\/tr>\n
\n

Balance of purchase price<\/span><\/p>\n<\/td>\n

$315,000<\/span><\/td>\n\n

Loan<\/p>\n<\/td>\n<\/tr>\n

\n

Total<\/span><\/p>\n<\/td>\n

\n

$410,120.81<\/b><\/p>\n<\/td>\n

<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Here\u2019s what their financial obligation would look like: \u00a0<\/span><\/p>\n

Bank Loan \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/b>: $315,000<\/span><\/p>\n

CPF<\/b> \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <\/b>: $50,000<\/span><\/p>\n

Cash \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/b>: $45,120.81 ($410,120.81 – $315,000 – $50,000)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Resale flats are back in vogue. Since the government\u2019s implementation of property cooling measures, cash-over-valuation (COV) has been effectively eradicated, and property buyers are flocking back to purchasing resale flats once more. But while COVs are out, it doesn\u2019t automatically mean a resale flat is the best bet for you financially; you still need to…<\/p>\n","protected":false},"author":31,"featured_media":54438,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"41211,36790,38733,34036,55383,52287","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53631,53643,57131],"tags":[],"persona":[],"class_list":{"2":"type-post","10":"entry","11":"has-post-thumbnail"},"acf":[],"yoast_head":"\n99.co 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