BUC Calculator
Details
BUC Purchase Price
$
Option to Purchase (OTP)
Legal Fees
$
Loan Tenure
Years
Loan To Value (%)
%
Buyers
Buyer 1
Buying Profile *
Singapore Citizen
Buying for *
First Property
Interest Timeline
1st Year(Total 2.0%)
Spread
%
SORA
%
2nd Year(Total 2.0%)
Spread
%
SORA
%
3rd Year(Total 2.0%)
Spread
%
SORA
%
4th Year(Total 2.0%)
Spread
%
SORA
%
Important Timeline
- 08 Apr 2025 - Latest Date to Receive S&P from Developer
Developer has maximum 14 days to send S&P to Purchaser. They usually send out earlier after the Purchaser's booking deposit cheque is cleared.
- 29 Apr 2025 - Latest Date for Purchaser to Sign the S&P
To exercise the OTP, Purchaser must sign & return the S&P to the Developer within 21 days of receiving them from the Developer.
- 13 May 2025 - Latest Date to Pay Stamp Duty
Stamp Duty must be paid within 14 days of signing the S&P.
Notes
1. CPF Requires 6-8 weeks to process the application for use of CPF funds. If insufficient time, this needs to be paid in cash.2. For those that intent to use CPF funds for the 2nd property, they can only do so after setting aside the Basic Retirement Sum (BRS).
Project Investment Estimated Payment Timeline
PAY 5%> RECEIVE OTP
(CHEQUE / CASHIER’S ORDER-CO)
RECEIVE S&P
EXERCISE S&P
PAY STAMP DUTY
(CHEQUE / CO / CPF)
PAY 15%
(CHEQUE / CO / CPF)
PAY 5% + 5% LOAN?
(CHEQUE / CO / CPF / CASH / CPF / LOAN)
CONFIRM LAW FIRM DETAILS & FORWARD OTP COPY TO BANKER + LAW FIRM
WITHIN 2 WEEKS
ENSURE LO IS SIGNED PRIOR TO MEETING LAW FIRM TO EXERCISE S&P
WITHIN 3 WEEKS
ENSURE LAW FIRM APPLY CPF USAGE FOR STAMP DUTY TO IRAS + 15% COMPLETION, IF APPLICABLE
WITHIN 2 WEEKS
PURCHASER TO PAY BALANCE DOWN PAYMENT + PROGRESSIVE PAYMENT
COMPLETION
DEVELOPER WILL CALL FOR PAYMENT PROGRESSIVELY
COMPLETION OF FOUNDATION WORK
PAY 5%> RECEIVE OTP
(CHEQUE / CASHIER’S ORDER-CO)Deposit Amount (5%)
$
Cancellation Penalty (1.25%)
$
Refundable (3.75%)
$
RECEIVE S&P
* 3 Days from Booking
EXERCISE S&P
* 21 Days from Receive S&P
PAY STAMP DUTY
(CHEQUE / CO / CPF)* 14 Days from Exercise S&P
BSD + ABSD, If Applicable
$
BSD
$
ABSD
$
PAY 15%
(CHEQUE / CO / CPF)* 8 Weeks from Booking
Sum of 20% + SD
$
Total Outlay
$
PAY 5% + 5% LOAN?
(CHEQUE / CO / CPF / CASH / CPF / LOAN)Enter Launch Date
Est. Foundation Stage* 6 Months From Launch
Foundation Stage Top UpCash CPF for LTV 75% to 70%
$
Additional Top Up
$
Total Cash/CPF(Cash/CPF for LTV below 70%)
$
WITHIN 8 WEEKS
CALL FOR FOUNDATION PAYMENTEstimated 6 Months From Launch Date
BUC Results
Purchase Price
$1,000,000
Booking Fee (5%)
$50,000
Completion (15% Cash/CPF)
$150,000
Investment Entry Period
Year 1 - Completion of Foundation
| Completion of Foundation | $50,000$0 | 5%0% | Cash or CPFLoan Disbursed | -$0 | -$0 | -$0 | -$0 | -Year 1 | -2.0% | - | - | - | $0$0 | -$0 | -$0 | |
| Completion of Reinforced Concrete | $0 | 10% | Loan Disbursed | $0 | $0 | $0 | $0 | Year 1 | 2.0% | $0 | $0 | $0 | ||||
| Completion of Brick Wall | $0 | 5% | Loan Disbursed | $0 | $0 | $0 | $0 | Year 2 | 2.0% | $0 | $0 | $0 | ||||
| Completion of Ceiling / Roofing | $0 | 5% | Loan Disbursed | $0 | $0 | $0 | $0 | Year 2 | 2.0% | $0 | $0 | $0 | ||||
| Completion of Electrical Wiring / Plumbing | $0 | 5% | Loan Disbursed | $0 | $0 | $0 | $0 | Year 2 | 2.0% | $0 | $0 | $0 | ||||
| Completion of Roads / Car Parks / Drainage | $0 | 5% | Loan Disbursed | $0 | $0 | $0 | $0 | Year 2 | 2.0% | $0 | $0 | $0 | ||||
| Issuance of Temporary Occupation Permit | $0 | 25% | Loan Disbursed | $0 | $0 | $0 | $0 | Year 3 | 2.0% | $0 | $0 | $0 | ||||
| Certificate of Statutory Completion | $0 | 15% | Loan Disbursed | $0 | $0 | $0 | $0 | Year 4 | 2.0% | $0 | $0 | $0 |