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not too sure exactly what you are trying to calculate but to me it is since it is part of the costs that i need to pay.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Deputy Branch Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

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not too sure exactly what you are trying to calculate but to me it is since it is part of the costs that i need to pay.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Deputy Branch Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

-----
Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

The $100k interest would be classified as the 'financing' cost of your property purchase. You have to include other things like mortgage stamp duty and fees. You have to account for it when making a purchase if you intend to take a loan, but your financing cost could be near $0 if you pay full cash for the house.

That is why financing strategy and interest planning is critical in any home purchase. It directly affects your monthly payments, savings and profit-loss circumstance down the line. Let me know if you need any help in that aspect, happy to advise.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi

The interest is not charged upfront and payable over the course of the loan tenure, so most people typically will not calculate as the property cost when purchasing it.

It is upon the sale then potentially some owners will factor that into their expense and overall cost when selling. After all, most buying HDB come in with the mindset to buy as a primary residence for long-term stay and not to profit from the property. It is also more practical to calculate when selling as the interest payments will be known by then by tracing backwards, and not just a projection.

But as an upfront cost no, the total interest to be incurred is not included as part of purchase price.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
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We were fortunate to have met Ivan Ng. He was thorough in going through what the complicated home-selling process required of us and more so in understanding what we would like to achieve from the sale of our unit. His responsiveness and assurance, was a trait that we really appreciate. We managed to secure a sale that exceeded our expectation with Ivan’s advises. The offered price for our unit was a record set for the flats in the neighborhood. This was definitely supported by the fact that Ivan’s listing of our unit was detailed and stood out from other listings. Because of this, we also engaged Ivan's service to help us search and buy our new resale home. After some searches and viewings, we managed to secure one at a reasonable price with his help. With Ivan’s cheery and positive demeanour, selling our unit to procuring a new one, was a smooth journey for us. It was a pleasure to have worked with him.

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Hi,

1) I guessed you are referring to the LTV (Loan-To-Value) that being mentioned in some of the answers.
2) The interest generated from the loan does not formed the LTV.
3) The LTV is only referring to the market valuation of the property. The interest generated throughout the loan tenure is an additional to the market valuation.
4) You have to understand the interest generation is from the loan and not from the property. The property value will not be adjusted according to the amount of loan you have committed.
5) You have to refer to the CPF website to understand the factors that affect the amount of CPF utilization for the property.
https://www.cpf.gov.sg/service/article/how-much-cpf-savings-can-i-use-for-my-property-purchase

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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Great question — here’s the clear breakdown:

No, the $100K interest from your HDB loan is not considered part of the property’s purchase price.

Here’s how it works:
• The property cost is the agreed selling price, e.g. $500,000.
• The loan interest is the cost of borrowing, paid over time on top of the loan amount.
• So while you’re paying $600K total over the years ($500K principal + $100K interest), only the $500K is treated as the property value in terms of resale, capital appreciation, stamp duties, etc.

That said, if you’re selling later and looking at your net proceeds, then yes — that interest becomes part of your overall expense, especially when comparing to CPF refunds and outstanding loan.

Want help running through your financing numbers or planning your exit timeline?

Aren Goh | PropNex | 96576701  Read More

Interest isn’t paid upfront—it’s spread out over the entire loan period, so it’s not usually counted as part of the property’s purchase price.

Most HDB buyers are purchasing a long-term home, not an investment, so they don’t focus on total interest costs at the start.

It’s more common for owners to calculate total interest paid only when selling, since actual figures are clearer then—rather than estimating at the time of purchase.

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