PROPERTY WEALTH PLANNING
退休决策规划器：出售、持有或稍后出售
比较现在出售、继续持有或稍后出售组屋，并把可动用现金、受限制公积金与房产净值分开。这是草稿阶段的教育性推算，并非建议。
测试版 —— 教育性估算；部分税务与建屋局规定仍在核实
仅供说明之用。所有数字均为根据您输入的假设得出的假设性估算，并非报价、估值、预测或建议。作决定前，请向建屋发展局、公积金局和国税局核实，并咨询持牌专业人士。
按年比较您的组屋三条路径：现在出售、继续持有、稍后出售。可动用现金、受限制的公积金与房产净值会分开显示。起始数字只是示例（66 岁、持有较旧四房式组屋的屋主），请全部换成您自己的数字。
仅为教育用途的推算。并非公积金局、国税局、建屋发展局或金融管理局的评估，也不是估值或财务、税务、法律建议，且不构成任何保证。回报率、通胀与房价均为您的假设，并非预测。
您的数字只保留在此浏览器标签页中：不会出现在网址里、不会被保存，也不会发送到服务器或 CRM。 ← 返回房产规划流程
三条路径并排比较
仅供说明之用。所有数字均为根据您输入的假设得出的假设性估算，并非报价、估值、预测或建议。作决定前，请向建屋发展局、公积金局和国税局核实，并咨询持牌专业人士。
本规划器采用的规则与假设
每项列出来源、核对日期，以及是否仍需人工核实。来源原文以英文保留。
公积金利率
已在官方页面核实
OA 2.5% p.a.; SA/MA/RA 4% p.a. Extra 1% on the first $60,000 combined balances (55+: extra 2% on the first $30,000 and 1% on the next $30,000); OA counts up to $20,000 for the extra interest.
Extra interest is not modelled; balances earn base rates only (conservative).
2026 年退休金额
已在官方页面核实
BRS $110,200; FRS $220,400; ERS $440,800. BRS and FRS depend on the year the member turns 55.
The planner asks you to type the sum that applies to you and only offers the 2026 figures as defaults.
出售时的公积金退款
已在官方页面核实
The CPF used for housing (principal) plus the interest it would have earned must be refunded to the member’s own CPF account.
按市价出售的退款上限
已在官方页面核实
The refund is limited to the selling price less the outstanding housing loan; any shortfall need not be topped up in cash for a sale at market value. A sale below market value needs a cash top-up.
出售费用与退款上限
须人工核实
The pages list only the outstanding loan as a deduction before the refund. The planner therefore does NOT reduce the refund for agent fees or legal costs.
Confirm with the conveyancing solicitor how costs are ordered in the settlement.
退款存入哪个账户
已在官方页面核实
Below 55: Ordinary Account. At 55 and above: first to the Retirement Account up to the required retirement sum, balance to the Ordinary Account. A property pledge, if any, must also be refunded.
A pre-2013 exception exists for some members who were 55+ and set aside the FRS before 1 Jan 2013; it is not modelled.
应计利息所用利率
须人工核实
Modelled as OA 2.5% p.a. compounded yearly. The fetched pages say only “the interest you would have earned”.
Use the CPF Board “Property refund statement” for your actual figure and type it into the planner.
55 岁产业抵押
须人工核实
Remaining lease must cover the youngest owner to age 95 to keep the property pledged for the Basic Retirement Sum route; withdrawals above the retirement sum are only allowed if the pledge is satisfied.
Any $5,000 minimum-withdrawal figure was not confirmed and is not used.
地契与公积金使用
已在官方页面核实
CPF usage is pro-rated when the lease does not cover the youngest buyer to age 95; pro-rating applies where at least 20 years of lease remain.
The planner only flags the 20-year and age-95 points; it does not compute buyer financing.
租金开支：15% 视同扣除
已在官方页面核实
Individuals may claim deemed expenses of 15% of gross rental instead of actual expenses (interest excluded). Deductible mortgage interest can be claimed on top. Property tax is not claimed separately under the 15% option. One method applies across all residential properties for the year.
Rental losses, reliefs and the interest apportionment for CPF-funded loans are not modelled.
产业税：非自住
已在官方页面核实
12% on the first $30,000 of annual value; 20% next $15,000; 28% next $15,000; 36% above $60,000.
Bands to $60,000 read on the annex; the 36% rate above $60,000 matches the stated 12%–36% range. Most HDB annual values fall in the 12% band. IRAS rebates are not modelled.
产业税：自住
已在官方页面核实
0% to $12,000; 4% to $40,000; 6% to $50,000; 10% to $75,000; 14% to $85,000; 20% to $100,000; 26% to $140,000; 32% above.
IRAS has announced a one-off 2026 rebate for owner-occupied homes; rebates are not modelled, so 2026 tax is slightly overstated (conservative).
居民所得税税级
已在官方页面核实
0% first $20,000; 2% to $30,000; 3.5% to $40,000; 7% to $80,000; 11.5% to $120,000; 15% to $160,000; 18% to $200,000; 19% to $240,000; 19.5% to $280,000; 20% to $320,000; 22% to $500,000; 23% to $1,000,000; 24% above.
Every band matches the IRAS schedule, including the published tax on each lower bound. Personal reliefs and one-off YA rebates are not modelled, so tax is overstated for most retirees (conservative). You may override with your own marginal rate.
卖方印花税
已在官方页面核实
For residential property acquired on or after 4 Jul 2025: 16% / 12% / 8% / 4% if sold within 1 / 2 / 3 / 4 years; none after 4 years. An HDB flat can only be sold after its Minimum Occupation Period (at least 5 years), so SSD is not modelled for HDB sales.
Confirm the MOP and acquisition date for flats bought under special schemes.
出售房产的税务
须人工核实
Not modelled. Gains from a sale are generally not taxed unless IRAS regards the activity as a trade; no sale tax is applied.
整套组屋出租资格
须人工核实
Singapore Citizen owners only; Minimum Occupation Period generally 5 years; Prime and Plus flats are not allowed to be rented out whole even after the 10-year MOP. Non-Malaysian non-citizen tenant quota 8% per neighbourhood / 11% per block.
Citizen-owner and MOP conditions are confirmed on the HDB owner page; the Plus/Prime exclusion and quota percentages are from the estate-agent guide only. Confirm on My HDBPage before relying.
建屋局屋契回购计划
须人工核实
Not modelled. Sale proceeds top up the Retirement Account to the age-adjusted FRS (single owner) or BRS (two or more owners); LBS bonus up to $30,000 / $15,000 / $7,500 by flat type; up to $100,000 cash may be kept.
Shown as an alternative to discuss, not as a fourth strategy.
建屋局优惠贷款利率
须人工核实
Pegged to the prevailing CPF interest rate. The planner’s default of 2.6% is a user-editable assumption.
金管局 TDSR／MSR
须人工核实
TDSR 55% of gross monthly income; MSR 30% (HDB flats and ECs within MOP). The engine models no new borrowing, so these are context only.
地契衰减与价格路径
规划假设，非法定规则
No statutory formula. Price growth and the extra drag as the lease shortens are user assumptions. The value is forced to zero when the lease runs out.
投资回报、通胀、贴现率
规划假设，非法定规则
User assumptions. Not forecasts or guarantees.
本规划器不包括的内容
- 未建模：公积金终身入息的计算（请作为其他收入输入）、建屋局屋契回购计划、SERS、购买替代房产的 ABSD/BSD、租金亏损、所得税扣除额、费用的消费税、出售印花税，以及 2013 年前的公积金退款例外。
- 不代您决定：您能否出租组屋、是否适用产业抵押、律师如何排列结算费用，以及公积金局实际要求。请向相关机构确认。