v3.52 · 2026-05-31
JND Preeminent Group

JND Tools Dashboard

v3.52
JND Preeminent Group

JND Advisory

Affordability Envelope

Net Sale Proceeds
$0
— cash after deductions
Total Liquid Funds
$0
cash + CPF + sale proceeds
Max Loan (TDSR)
$0
— stress-tested
Max Purchase (1st Property)
$0
— before ABSD/BSD
HDB Sale Breakdown

End Goal — What This Means

Path Scenarios

Comparing 6 paths — ranked by fit to goal

ROE Breakdown — Year by Year (5-yr)

Top 3 scenarios shown. Property value − loan balance = equity. ROE = (equity − entry equity) / cash invested.
Indicative figures only. Verify ABSD/BSD/CPF refund at point of transaction. Stress rate per MAS-prescribed floor of 4.0% for residential bank loans. Not a substitute for formal financial advice.
JND Preeminent Group
Concept

New Launch vs Resale

Year Projected Analysis
NEW LAUNCH
RESALE
Purchase Price
$
$
Bank Loan (75%, 30yrs)
—
—
Rental & Growth
Projected Property Growth (4yrs)
— Annual Growth: %
— Annual Growth: %
Est. Gross Profit
—
—
Other Expenses
Resale Holding Mode
N/A
Rent/mo: $ MTR: AV (auto): $
Rent while waiting for New Launch (4yrs)
— Monthly: $
N/A
Bank Interest (4yrs)
— NL Int.: %
— Resale Int.: %
Maintenance Fee (4yrs)
N/A
— Monthly: $
Est. Property Tax (4yrs) OO rate
N/A
—
Est. Income Tax (4yrs) on net rental income
N/A
—
Renovation
N/A
$
Furniture & Fittings
N/A
$
Total Other Expenses
—
—
Summary
🏠Projected Property Valuation (4yrs)
—
—
$Est. Net Profit
—
—
%Return on Equity (ROE)
—
—
💰Total Cash/CPF Return After Sale
—
—
How ROE is calculated: ROE = Est. Net Profit ÷ Cash Invested × 100. Est. Net Profit = Gross Property Growth − Total Other Expenses. Cash Invested = Downpayment + BSD + (Renovation + F&F for Resale). Total Cash/CPF Return After Sale = Cash Invested + Net Profit. New Launch interest based on average drawn ~60% during build phase.
PROFILE DATA (Project Storyboard)
$
%
$
%
Profile A
$
$
$
$
$
$
$
Total Debt Assessment$0
Profile B
$
$
$
$
$
$
$
Total Debt Assessment$0
Disclaimer — From 30 Sep 2022, MAS requires banks to use the HIGHER of a 4% floor rate OR the respective bank's interest rate applicable during the term of the property loan, excluding introductory or promotional rates, to compute the TDSR & MSR eligible loan amount.
Property Purchase
IMPORTANT DATES
Purchase Day—
S&P (No Later Than 14 days)—
Latest Exercise of S&P—
Stamp Duty Date to be Paid—
8 weeks From Option Date—
Est. Foundation Date—
$2,500,000
Option Fee (5%) (Cash)$125,000
Buyer Stamp Duty$0
Additional Buyer Stamp Duty (0%)$0
Balance Downpayment (15%)$375,000
Foundation Stage (5%)$125,000
Shortage of Monthly Income
Gross Monthly Income$0
Min. Gross Monthly Income (To Secure 75% Mortgage Loan)$0
Any Difference in Monthly Income for 75% Mortgage Loan$0
Maximum Purchase Price (Based on Monthly Income)
Maximum Loan$0
Maximum Purchase Price$0
Total Loan Amount (Based on My / Our Current Income & Loan % Towards Purchase Price)
Loan Quantum (75%)$0
Loan Shortage$0
If there is Loan Shortage above, you can try using:
Pledged Amount (Fixed Deposit — 4 Years)$0
Unpledged Amount (Showing of funds)$0
Mortgage Loan
Loan Tenure
30 Years
% $1,875,000
Est. TimeframeBreakdown of Loan QuantumMonthlyTotal
Total Downpayment
(25% + BSD/ABSD + Legal Fees)$0
Total CPF in OA$0
Total Cash Required
$0
Balance CPF in OA
(After Downpayment)$0
Progressive Stage
CPF Accumulated until TOP
(Estimated 38 Months)$0
Balance Cash on Hand$0
Monthly OA Contribution $0
Safety Funds PeriodBoth WorkingEmergency
Months00
Years00
New Homes Estimated Payment Timeline
$0
5% Option Fee
Receive OTP(Cheque/Cashier's Order)
Receive Sales & Purchase
Exercise Sales & Purchase
Stamp Duty(Cheque/CO/CPF)
15% Balance
Downpayment to be Paid(Cheque/CO/CPF)
Foundation Payment(Cheque/CO/CPF/Loan)
Confirm law firm details & forward OTP copy to Banker + Law Firm
Ensure Bank Letter of Offer is signed prior to exercising of S&P
Ensure law firm apply CPF usage for Stamp Duty to IRAS + 15% Balance Downpayment, if applicable
Purchaser to pay 15% Balance Downpayment + Progressive Payment, if applicable
Upon completion of foundation works, Developer will notify law firm for necessary payments
Completion of Foundation Work
.
⏱ No later than 14 Days
⏱ Within 3 Weeks
⏱ Within 2 Weeks
Completion of Foundation Work
Booking date
Latest Receive of S&P
Latest Exercise of S&P
Stamp Duty Date to be Paid
8 weeks from Booking
Est. Foundation Date
—
—
—
—
—
—
$0
➤
$0
$0
⬇
Sum of 20% + BSD/ABSD + Legal fees
$0
Foundation Stage (5%)
$0
Foundation Stage (Balance 0%)
$0
Total Foundation Stage (Cash/CPF)
$0
Cancellation Penalty 1.25% of Purchase Price
$0
BSD — Buyer's Stamp Duty
$0
Refundable 3.75% of Purchase Price
$0
ABSD — Additional Buyer's Stamp Duty
$0
NL vs Resale Comparison
PROPERTY PURCHASE
Purchase Price (Resale)
$
Loan Tenure
Loan Quantum
%
$
Bank Interest
%
$
$
$
$
RESALE REPAYMENT M.I. INTEREST PAYMENT PRINCIPAL PAYMENT
$0
Interest paid
$0
Property Tax
$0
Income Tax (Rental)
$0
MCST
$0
Renovation
$0
Total Cost of Holding
$0
PROPERTY PURCHASE
Purchase Price (NL)
$
Loan Tenure
Loan Quantum
%
$
Bank Interest
%
Assuming 4 years after purchase
NL REPAYMENT (PPS) M.I. INTEREST PAYMENT PRINCIPAL PAYMENT
$0
CPF Accumulated (offsets cash needed during build)
$
Rental of Apartment
$
4 Yrs of Rental (Total)
$0
Stage Interest
$0
Rental while waiting
$0
Property Tax
$0 (pre-TOP)
TOTAL COST DURING BUILD
Rental + Stage Interest − CPF
$0
Income Tax
$0 (pre-TOP)
MCST
$0 (pre-TOP)
JND Preeminent Group

JND New Launch Selection Framework

VERSION 1.7 · SINGAPORE PROPERTY · AGENT ANALYSIS TOOL

Total Score
0 / 100
Verdict
AVOID
Pillar Breakdown

New Launch — Project Details

All inputs in this section refer to the new launch being analysed. Resale comparable inputs appear within Pillar 4 (PSF) and Pillar 5 (Quantum).

Pillar 1

Location Quality

School catchment, MRT walkability, and amenity access.

0 / 20
MOE-recognised P1 phase 2C ballot school
Target: 5–7 mins walk
Mall, supermarket, or heartland centre
Pillar 2

Development Size

Sufficient unit count for transaction volume and valuation support.

0 / 10
Minimum 200 units for adequate transaction volume
Pillar 3

Resale Market Health (District)

Composite of Stock Turnover (80%) + YoY Transaction Growth (20%). Geographic scope: by district.

0 / 20

A. Stock Turnover (80% weight · max 16 pts)

From Sales+ (ERA App) — district, sub-sale + secondary resale, past 12 months
PG raw count — filter to condos >200 units · system auto-discounts 10% for duplicates

B. YoY Price Growth (20% weight · max 4 pts)

From Sales+ (ERA App) — resale + sub-sale price YoY %. Use negative sign for decline (e.g. -1.74)
Where to pull the data
  • Sales+ (ERA App) — resale + sub-sale transactions and YoY price growth by district
  • PropertyGuru — current resale listings count (filter by district + condos >200 units; 10% auto-discount applied)
  • URA REALIS — backup source for transaction and price validation

Caveat: Districts with <200 listings may show inflated turnover rates due to small denominator — cross-check against price growth before drawing conclusions.

Adjusted Listings (PG × 0.9) —
Stock Turnover Rate —
Price YoY Growth —
Sub-scores Turnover 0/16 · Price YoY 0/4
Pillar 4

PSF Gap vs Resale

Year-on-year PSF gap, with GFA harmonisation adjustment. Resale comparable must be same tenure (99 vs 99, FH vs FH).

0 / 20
Same district, same tenure, same unit type
Cut-off: Lentor Mansion (16 Mar 2024). Verify strata layout if uncertain.
True / Normalised Resale PSF
—
This is the resale comparable's PSF after the +6% GFA harmonisation adjustment — the true like-for-like PSF for comparison against the new launch.
Actual Gap / Year — Expected Gap / Year —
Implied Fair Value PSF for New Launch —
Pillar 5

Quantum Comparison (by Bedroom Type)

Compare new launch quantum against resale comparable quantum across bedroom types. Fill what's available — score uses the average of populated rows.

0 / 20
Bedroom
New Launch Quantum (SGD)
[RESALE] Comparable Quantum (SGD)
Differential
2 BR
—
3 BR
—
4 BR
—
Average Differential —
Pillar 6

Confirmed Area Transformation

Focus on demand-driving transformations: incoming HDB flat supply (future upgrader pool) and new commercial nodes (employment + retail anchoring).

0 / 10
Only count confirmed/awarded/under-construction items. Exclude rumoured or merely announced.
Framework notes: This is a v1.7 scoring tool with Pillar 3 bands calibrated against the May 2026 26-district Singapore dataset. Verdicts are guidance — agents should still apply judgement on buyer profile (own-stay vs upgrader vs investment), developer execution risk, and macro conditions. Always verify transaction data from Sales+ (ERA App) and listings from PropertyGuru before finalising recommendations.

Scoring weights: Location 20 · Development Size 10 · Resale Health 20 · PSF Gap 20 · Quantum 20 · Transformation 10 = 100
Verdict bands: 75–100 BUY · 50–74 WATCH · 0–49 AVOID
📘
JND Elevate Playbook
94 MB · 584 pages
Large file — may take a moment to load

Market Pulse

Loading live market data…
Private PPI (QoQ)
—
Effective floating rate
—
New-launch units available
—

Price Indices · URA / HDB quarterly AUTO·LIVE

HDB ResaleRPI · QoQ change
—
Private Non-LandedURA PPI · QoQ change
—
Private LandedURA PPI · QoQ change
—

Interest Rates · indicative

Floating —
3M-SORA —
+ Typical spread—
Effective floating—
3M-SORA is a daily multi-source consensus (MAS + broker boards), median of agreeing sources. Holds last-good if a day's scrape fails — the badge shows freshness. Spread benchmarked vs Mortgage Master & MortgageWise (~+0.20% promo to +0.75% standard). Confirm with a banker.
Fixed INDICATIVE
Current fixed range—
Lock-in—

New Launches · residential condos (auto) —

Currently in Market0 proj · 0 units
Sorted newest first (by TOP). Greyed = stale (completed project, leftover stock).
Launching — Upcoming0 proj · 0 units
Indicative dashboard. Prices & price indices are live official data (URA, HDB via data.gov.sg). SORA and the new-launch list are scraped daily and baked in — each badge shows how fresh it is; ⚠ STALE means that feed's last successful scrape is over 10 days old. Confirm rates with a banker.
—