Assumptions include a down-payment of S$490,000, GST of S$220,500, Stamp Duty of S$92,100, and Lawyer's Fees of S$2,200. The mortgage is calculated at 3.5% p.a. with a 20-year tenor, resulting in monthly payments of S$11,372. After 10 years, the outstanding loan would be S$1,149,528.
Equity Scenarios with 80% Loan (Part 1)
Initial Investment
Party A: S$49,000 (10%)
Party B: S$441,000 (90%)
Mortgage Share
Party A: S$2,274 (20%)
Party B: S$9,098 (80%)
Principal Repaid
Party A: S$162,094
Party B: S$648,378
Final Equity
Party A: S$211,094 (16.23%)
Party B: S$1,089,378 (83.77%)
Equity Scenarios with 80% Loan (Part 2)
20% | 80% Split Scenario
Party A (20%)
Initial DP Share: S$98,000
Principal Repaid: S$243,142
Total Equity at Sale: S$341,142
% Equity: 26.23%
Party B (80%)
Initial DP Share: S$392,000
Principal Repaid: S$567,330
Total Equity at Sale: S$959,330
% Equity: 73.77%
30% | 70% Split Scenario
Party A (30%)
Initial DP Share: S$147,000
Principal Repaid: S$324,189
Total Equity at Sale: S$471,189
% Equity: 36.23%
Party B (70%)
Initial DP Share: S$343,000
Principal Repaid: S$486,283
Total Equity at Sale: S$829,283
% Equity: 62.12%
Ready to Turn Rent Into Equity?
Prime Location
Immediate access to major transport links and a thriving F&B cluster in Sungei Kadut Eco-District
Flexible JV Structures
10–50% down-payment splits with tailored mortgage shares
Attractive Financing
Competitive long-term loan packages that keep your monthly commitment on par with today's rent
Equity Growth
Projected S$1.1 M+ net equity in 10 years, even with flat valuations
Invest in Transformation
Move from tenant to industry leader by owning your production base
Don't let another lease renewal lock you into someone else's balance sheet. Secure CT FoodNex today, convert your outgoings into real asset value—and position yourself for long-term growth in Singapore's F&B sector.
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Disclaimer
Indicative Figures Only
All numbers, projections and valuations in this document are for illustrative purposes based on current market rates and assumptions (loan quantum, interest rate, tenure, sale price, etc.). Actual figures may vary due to changes in interest rates, loan approval terms, transaction costs, taxes, property condition or market dynamics.
No Offer or Advice
This proposal does not constitute a binding offer, solicitation of an offer, or professional advice. Parties should perform their own due diligence and seek independent legal, tax, accounting and financing advice before entering any transaction.
Subject to Lender Approval
Loan amounts, interest rates, tenures and repayment schedules are indicative. Final terms are subject to credit approval, underwriting and documentation by the chosen financial institution.
Exclusions
Unless stated otherwise, figures exclude items such as valuation fees, fire insurance premiums, maintenance reserves, agency commissions, GST reclaim timing, and any other one-off or recurring costs not explicitly detailed herein.
No Liability
Neither the author nor any affiliated party shall be liable for any losses, costs or damages arising from reliance on this proposal. All parties accept full responsibility for their own decisions and actions.
Validity
This document is valid as of its date of issue and may be updated, revised or withdrawn without prior notice in response to market or regulatory changes.