FULL COST DISCLOSURE

Your flat costs more
than you think.

Most buyers only see the purchase price. The true 20-year cost includes stamp duty, mortgage interest, maintenance, renovation, and the opportunity cost of your CPF — often 40–60% more than the sticker price.

$680k

Purchase price

$1.08M

True 20yr cost

+59%

Hidden above price

Property & Financial Details

FORM TCO-01

Property

Purchase Price ($)

Flat Type

Lease Commencement Year

Financing

Loan Type

Loan Tenure (years)

CPF OA Balance ($)

Monthly CPF OA Contribution ($)

One-Time Costs

Renovation Budget ($)

Agent Commission ($)

~1% typical

Monthly Ongoing Costs

S&CC / Month ($)

Utilities / Month ($)

Rent vs Buy Comparison

Equivalent Monthly Rent ($)

for comparison

—

True 20-Year Total Cost

Everything included

—

True Monthly Cost (all-in)

Average over 20 years

—

Total Mortgage Interest Paid

The invisible cost of borrowing

—

Equity Built (20 years)

Net wealth accumulated

Transacted.sg

True Cost of Ownership Statement

—

True 20-Year Total

—

Cumulative Cost Over Time

How costs stack up year by year

Purchase + upfront

Mortgage payments

Ongoing costs

Equity (asset value)

Buy vs Rent Comparison

Cumulative cost of buying vs renting over time