01
Buying-Power Simulator
Three sliders. A live-recomputed ceiling. See which properties fit, stretch, or sit just out of reach.
Ceiling
$1,725,000
2
Discover
2
View
1
Negotiate
1
Close
01
Discover
2 properties
The Tiong Bahru
D3 · Tiong Bahru Road · 2BR · 829 sqft
Freehold
$1.55M
$1,869 psf
$175K room
Chloe: Freehold D3 at one of the lower PSFs in the corridor — strong value case. Prioritise for first viewing.
Rivière
D3 · Robertson Quay · 2BR · 689 sqft
Freehold
$1.62M
$2,351 psf
$105K room
Chloe: Higher PSF reflects the Robertson Quay river view premium. Strong rental yield corridor — good hold value if you decide not to sell immediately.
02
View
2 properties
Bayshore Residences
D15 · #12-07 · 3BR · 1,001 sqft
99yr Leasehold
Thu 26 Jun · 3:00 PM · Awaiting confirmation
$1.68M
$1,678 psf
$45K room
Chloe: Strong East Coast rental belt — mid-cycle lease leaves good remaining term. Ask if the unit faces pool or road before committing.
One Pearl Bank
D3 · Pearl Hill · 2BR · 721 sqft
99yr Leasehold
Thu 3 Jul · 2:00 PM · Awaiting confirmation
$1.58M
$2,191 psf
$145K room
Chloe: Iconic cylindrical tower on Pearl Hill — city fringe with strong visual premium. $145K headroom gives you room to negotiate if needed.
03
Negotiate
1 property
Vela Bay
D4 · #08-12 · 3BR · 958 sqft
Freehold
Listed $1.85M
→
Countered $1.72M
OTP exercise by 9 Jul 2026
$1.72M
$1,795 psf
$5K room
Chloe: Seller dropped $130K from list — motivated. OTP draft ready; recommend legal review before signing. Very tight against ceiling — confirm your IPA is current before proceeding.
04
Close
1 property
Parc Esta
D14 · #15-22 · 3BR · 1,012 sqft
99yr Leasehold
OTP exercised · Completion 15 Aug 2026
$1.69M
$1,670 psf
$35K room
Chloe: Congratulations — OTP exercised! Completion set for 15 Aug 2026. I'll send the defects inspection checklist and key handover guide closer to the date. You're nearly home.
Bayshore Residences
3 Bedroom · #12-07 · 1,151 sqft · D16 · 99-year leasehold
Asking
$1.82M
↑ $60K
PSF
$1,582
↑ 3.4% MoM
D16 median
$1,480
+6.9% premium
Total w/ ABSD
$2.23M
+$327K stamp
Overview
Financials
Comparables
Thread
Health score · 84
Property details
Developer
Bayshore Dev
TOP
2005
Total units
536
Floor
12 / 18
Facing
Sea NE
Carpark
1 lot
MRT
Bedok 8min
School
Temasek Pri
C Chloe · ERA
At $1,582 PSF it's 6.9% above D16 median — but sea-facing on floor 12 justifies the premium. Seller held since 2019 — motivated. Opening at $1.76M, expect to close Thursday at $1.79M.
Cost to complete
Purchase price$1,820,000
Option fee (1%)$18,200
Buyer's Stamp Duty$54,600
ABSD (SC 2nd, 20%)$273,000
Legal fees (est.)$3,500
Renovation (est.)$60,000
Total commitment$2,229,300
BSD / ABSD breakdown
First $180K @ 1%$1,800
Next $180K @ 2%$3,600
Next $640K @ 3%$19,200
Remainder @ 4%$32,800
Total BSD$57,400
ABSD rate20%
ABSD payable$273,000
Due within 14 days of OTP$330,400
Recent transactions · D16 · 3BR
| Project | Floor | sqft | Price | PSF |
|---|---|---|---|---|
| Bayshore Residences | 12 | 1,151 | 1,820K | 1,582 |
| Bayshore Park | 8 | 1,184 | 1,780K | 1,503 |
| Costa Del Sol | 14 | 1,238 | 1,950K | 1,575 |
| The Glades | 6 | 1,098 | 1,700K | 1,548 |
| Aquamarine Park | 10 | 1,163 | 1,830K | 1,573 |
| Bedok Residences | 5 | 1,044 | 1,620K | 1,552 |
| Waterfront Key | 11 | 1,195 | 1,740K | 1,456 |
Agent thread · Chloe Teo · ERA
C
Hi Marcus — reviewed Bayshore in detail. At $1,582 PSF it's 6.9% above D16 median, but the sea-facing unit on floor 12 justifies the premium.
Chloe · Yesterday 4:32 PM
M
What's the exact ABSD exposure? Any room below $1.8M?
Marcus · Yesterday 4:48 PM
C
ABSD at 20% = $273K payable within 14 days. Total all-in ~$2.23M. Seller motivated — opening at $1.76M, expecting to close Thursday at $1.79M.
Chloe · Yesterday 5:01 PM
M
Can we get the stack plan before Thursday?
Marcus · Today 9:14 AM
C
Already requested. Stacks 5–9 face NE (sea view). Unit 12-07 is stack 7 — best orientation at this price. Sending floor plan this afternoon.
Chloe · Today 9:28 AM
Your profile
Citizenship
This purchase
Your funds
Gross buying ceiling
$1,725,000
Cash + CPF + Loan IPA
Acquisition costs
Buyer's stamp duty (BSD)
1–5% tiered on property price
—
Additional BSD (ABSD)
0% — Citizen, 1st property
Nil
Legal & conveyancing (est.)
~$3,500
Renovation budget
$30,000
$0$150K
Emergency reserve
$30,000
$0$100K
Total costs
—
Net property budget
$1,361,500
After BSD, ABSD, legal, reno & reserve
Funding mix
Cash $280K (16%)
CPF $165K (10%)
Loan $1.28M (74%)
Monthly instalment
$5,395/mo
30yr loan at 3.0% p.a. · $1.28M loan
25 years
$6,063
30 years
$5,395
Net budget fits 2 of 3 shortlisted
→
● View
D16
Bayshore Residences
3 Bedroom · #12-07 · D16 · 1,001 sqft · 99yr Leasehold
C
Motivated seller · held since 2019 · sea-facing floor 12 justifies the PSF premium.
Asking
$1.68M
PSF
$1,678
+6.2% vs D16 median
Budget room
$45K
under $1.73M ceiling
Total cost
$1.96M
incl. stamp $280K
PropertyGuru listing
Paste once · opens directly from this dossier
Overview
Unit Notes
Financials
Arrange
Project scorecard
Decision support
BUY
Sea-facing floor 12 rare at this PSF. Proceed if ceiling gap bridges by Thu.
Sea-facing NE stack — floor 12 clears podium roof entirely
Seller motivated; held 6 yrs, already ID’d next property
Temasek Pri within 1km — school buffer adds resale value
Price dropped $20K in 30 days — negotiation window open
Seller
Why selling
Upgrading · landed
Held since
2019 · 6 yrs
Urgency
Motivated
Price trend
↓ $20K
Condition
Condition
Light reno
Reno budget
$30–$50K
Fittings
~2021
Maint. fee
~$420/mo
Inclusions
Aircon
Kitchen appl.
Water heater
Orientation
Stack
7
Facing
Sea NE
Sun
Morning
Noise
Low
Carpark
1 lot B1
Floor
12 / 18
Resources
Floor plan
Stack 7 · 1,001 sqft
Stack plan
Stacks 5–9 NE
Notes
Already ID'd next property — open to early OTP if confirmed by Fri. Stack 7 = best NE unit here. Floor plan en route.
Cost breakdown
Purchase price$1,820,000
BSD$57,400
Legal (est.)$3,500
Renovation$40,000
Total$1,920,900
First-time buyer · No ABSD
BSD only — zero properties held.
Funding
Cash$280,000
CPF OA$165,000
IPA (DBS)$1,280,000
Ceiling$1,725,000
Asking exceeds ceiling by $95K
Negotiating to $1.72–$1.75M. Discuss IPA top-up before Thu.
Negotiation
12 May
Asks
$1,820,000
18 May
Offer
$1,700,000
20 May
Counter
$1,800,000
28 May
Target
$1,750,000
Price sensitivity
$1,750,000
purchase price
$1.50M$2.00M
BSD$54,600
Legal$3,500
Total$1,808,100
Milestones
1
Option fee
1% · cash · on OTP grant
~$17,500
2
Exercise + BSD
4% deposit + BSD · 14 days
~$107,100
3
Completion
CPF + loan · 8–12 wks
~$1,625,400
Key dates
Viewing
26 Jun · 3PM · Lobby L1
OTP Issued
After viewing
OTP Exercise
14 days from issue
BSD Payment
14 days · ~$54,600
Completion
8–12 wks · loan + CPF
Checklist
Pre-viewing
Confirm time with Chloe
Review floor & stack plan
Prepare viewing questions
Check CPF OA balance
Pre-OTP
Agree offer price
Engage lawyer
Ready 1% option fee (cash)
Post-OTP
Submit CPF withdrawal form
Pay BSD (14 days)
Arrange loan drawdown
Chloe Teo · ERA
C
Bayshore at $1,678 PSF — 6.2% above D16 median. Sea-facing floor 12 justifies the premium.
Chloe · Yesterday 4:32 PM
M
BSD exposure? Room below $1.8M?
Marcus · Yesterday 4:48 PM
C
No ABSD (1st buyer). BSD ~$57K, all-in ~$1.92M. Targeting $1.75M Thu.
Chloe · Yesterday 5:01 PM
M
Stack plan before Thursday?
Marcus · Today 9:14 AM
C
Requested. Stacks 5–9 = NE. #12-07 is stack 7, best facing here. Floor plan this arvo.
Chloe · Today 9:28 AM
Step 1 of 5 · Viewing
Bayshore Residences
84match
Overview
The Unit
Money
Journey
Chloe’s callYour agent · ERA
Go ahead
Sounds good — run with itTells Chloe you’re aligned with her plan
I have questions firstJump straight into chat with Chloe
Show me the numbersThe full cost & budget picture for this unit
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Market pulse
▲ 3.3% · 12 mo
district median
this unit
vs market
Tap for what this means ▾
How it fits what you asked for
The honest trade-offs
What’s good
Worth noting
Key facts
Condition & what’s included
Comes with the unit
The seller’s situation
Plans & documents
Original listing
Paste once — open it any time from this page
Chloe’s notes
Can you afford it?
Cash
CPF savings
Bank loan
What it costs all-in
When you’d pay what
Buying happens in three payments:
Offer history
What-if: try a different price
Drag to see the total at another price. Just for exploring — it changes nothing.
if you bought at this price
Stamp duty (BSD)
Legal fees$3,500
Renovation (est.)
Total you’d pay
The road to your keys
Your to-dos
More below — scroll⌄
Document
⠿Price
⠿Unit
⠿Location
⠿Verdict
⠿Fin. Fit
⠿Condition
⠿Amenities
Best
Worst
Tap label to flag must-have · 💬 Ask Chloe
Metric
84
Bayshore
Offer received
PINNED
15
Tiong Bahru
Price reduced
PINNED
4
Bishan
2 others viewing
PINNED
Price
Asking💬
$1.82M
$1.55M
$798K
PSF💬
1,582
1,869
650
vs median💬
−6%
+9%
−12%
All-in💬
$1.88M
$1.60M
$820K
Monthly💬
$6,800
$5,800
$3,200
Budget fit💬
Stretch
Fit
Comfortable
Fin. Fit
Downpay.💬
$455K
$388K
$200K
BSD💬
$57.4K
$46.6K
$18.5K
COV💬
$0
$0
$0
Loan💬
$1.365M
$1.163M
$599K
IPA gap💬
−$95K
+$175K
+$927K
Unit
Size💬
1,151 sf
829 sf
1,227 sf
Type💬
3BR
2BR
4BR
Floor💬
12 / 18
6 / 14
3 / 4
Tenure💬
99yr
Freehold
99yr
TOP💬
2003
1999
2001
Facing💬
NE
SW
N
Condition
Age💬
23 yrs
27 yrs
25 yrs
Rem. lease💬
76 yr
Freehold
74 yr
Maint. fee💬
$380/mo
$290/mo
$95/mo
Location
District💬
D16
D3
D20
MRT walk💬
8 min
5 min
12 min
Pri sch 1km💬
✓
✗
✓
Nearest mall💬
Bedok Mall
TBR Plaza
Junction 8
Momentum💬
↑ 3.4%
↑ 3.8%
↑ 1.8%
Amenities
Pool💬
✓
✓
✗
Parking💬
✓
✗
✓
Gym💬
✓
✓
✗
Verdict
Agent call💬
BUY
WATCH
PASS
Upside💬
Motivated seller, trial-close Thu
Only freehold at this price
Cheapest entry, budget clear
Risk💬
Above IPA ceiling
Small unit, high PSF
Lease decay, low liquidity
Days on mkt💬
18d
32d
61d
Est. yield💬
3.1%
3.8%
2.4%
Seller motiv.💬
High
Medium
Low
M
Marcus Tan
Singapore Citizen · First-time buyer
Step 2 of 6 · Shortlisting & Viewing
Effective buying ceiling
$1,725,000
$280KCash
$165KCPF OA
$1.28MIPA
$0ABSD
IPA expires in 30 days
DBS $1.28M · Renew before your offer to avoid delays
Your shortlist · 3 properties
Bayshore Residences
#12-07 · 3BR · 1,001 sqft · D15
$1.68M
Thu 26 Jun
Vela Bay
#08-12 · 3BR · 958 sqft · D4
$1.72M
Under review
Latest from Chloe
Shared floor plan — Bayshore #12-07
Today · 9:28 AM · 3 files in your vault
Added Vela Bay #08-12 to your shortlist
Yesterday · 4:15 PM
Activity
Updates
⚡ Signature required — OTP Vela Bay
Chloe shared the Vela Bay OTP draft. Review and sign before the deadline.
May 20 · 11:42 AM · Action needed
Today
Floor plan shared — Bayshore #12-07
Chloe sent the stack plan (Stack 7, NE-facing). 3 files in your vault.
Today · 9:28 AM
Yesterday
Viewing confirmed — Bayshore Residences
Thu 26 Jun · 3:00 PM · Lobby L1. Chloe will meet you there.
Yesterday · 5:15 PM
Counter received — Bishan 5-Room
Seller countered at $798K. Gap is $23K. Chloe recommends holding firm.
Yesterday · 5:01 PM
Earlier
New recommendation — Tiong Bahru Condo
Chloe added a freehold D3 condo to your pipeline. Freehold at this price is rare.
May 15 · 3:07 PM
IPA approved — DBS $1.28M
Your In-Principle Approval has been saved to your Financial Passport.
Jun 18 · 2:30 PM
Calculators
Financial tools
Application Status
Residency
Properties owned
Purchase Price ($)
Buyer's Stamp Duty$ 0
Additional BSD (0%)$ 0
Total stamp duty
$ 0
Profile
Account
Buyer profile
Full name
Email
Mobile
Residency
NRIC (last 4)
Properties owned
Preferred Zone
Target Move-in
District Insights
Market intelligence
OCR avg$1,450 psf
RCR avg$2,200 psf
CCR avg$3,100 psf
Jun 2025↑ 3.1%
Momentum
Median PSF
My Shortlist
Your shortlist vs district median
−6%
+9%
−12%
▲ median line · green = below median · red = above median
Top movers
Jun 2025 ▾
D1
Raffles Place / Cecil / Marina / People's Park
City & Southwest
—
PSF (avg)
—
Transactions
—
12m trend