💡 Inherited a property?
CPF refund to estate
All CPF used by the deceased (including accrued interest at 2.5% p.a.) must be refunded to the estate before distribution to beneficiaries. This reduces the net value available.
1 of 3
Net Property Value
$0
After loan repayment
If Sell
$0
Net cash proceeds
If Rent Out
$0
Net monthly income
Property Details
$600,000
$200,000$3,000,000
0
$0$600,000
$100,000
$0$500,000
Rental Potential
$2,500
$1,000$10,000
$300
$100$2,000
$2,400
$500$20,000
$20,000
$0$100,000
Your Current Situation
$2,000
$500$5,000
Decision Analysis
Option Comparison
| Option | Pros | Cons | Financial Impact |
|---|---|---|---|
| 🏠 Keep & Live In | Save $2,000/month rent | Pay $0/month holding costs | Save $2,000/month |
| 💰 Sell Property | Immediate cash, no management hassle | Lose potential appreciation, pay selling costs | $0 |
| 🏘️ Rent Out | Earn $0/month, keep asset | Tenant management, maintenance responsibility | $0/month (0.00% yield) |
Sell Property Breakdown
Property Value$600,000
Outstanding Loan-$0
CPF Refund to Estate-$0
Stamp Duty-$0
Agent Fee (2%)-$12,000
Legal Fees-$3,000
Net Proceeds$0
Rent Out Analysis
Monthly Rental Income+$2,500
Maintenance Cost-$300
Property Tax (monthly)-$200
Net Monthly Income$0
Annual Rental Yield0.00%
Annual Net Income$0
Important Considerations
- • CPF refund to estate is mandatory
- • Stamp duty payable on transfer to beneficiary
- • Consider ABSD if you already own property
- • Rental income is taxable
- • Property appreciation potential
Recommendation Factors
- • Your current housing situation
- • Financial capacity to maintain property
- • Property location and appreciation potential
- • Rental demand in the area
- • Your long-term financial goals