Essential Financial Proficiency in Private Residential Property Transactions
Professional Competencies · 4 Professional Competencies (PC) hours
This course is part of AsianPrime Capital's practical CPD training series, designed for busy Real Estate Salespersons (RES) who want focused, trainer-led learning that respects their time. Course fee: S$100 per lesson.
Course overview
A practical course on the financial calculations behind private residential property transactions, covering sale proceeds, CPF refund, negative sale, housing loan eligibility, TDSR, second property purchase, joint buyer affordability, cash outlay and CPF planning.
Learning objectives
- Compute net sale proceeds for private residential property sellers, analyse negative sale scenarios and explain the CPF refund implications to sellers.
- Compute housing loan amount, loan tenure and monthly instalments using MAS Housing Loan Rules and the TDSR framework.
- Assess the effect of stretching loan tenure on monthly repayment and buyer affordability.
- Determine CPF usage, cash outlay and affordability for buyers purchasing a second residential property.
- Assess the combined financial capacity of joint buyers and calculate eligible loan amount, monthly instalment and total cash outlay.
Course outline
- Sale proceeds calculation for private residential property sellers.
- Negative sale scenarios, CPF refund obligations and seller advisory considerations.
- MAS Housing Loan Rules and TDSR framework.
- Loan quantum, loan tenure, monthly instalment and stretched loan tenure calculations.
- CPF usage and cash outlay for private residential property buyers.
- Second property purchase calculations, including stamp duties, CPF limits and loan considerations.
- Joint buyer affordability assessment, including debt-to-income analysis, fixed and variable income, income-weighted average age and medium-term interest rate.
Who should attend
Real Estate Salespersons handling private residential property transactions.
Trainer
Martin Koh. Our trainers bring practical real estate experience and structured, adult-learning-led delivery to every session.
Attendance note. Please arrive on time and stay for the full session. For this online class, please keep your camera on throughout, as required for your attendance to be recognised. Where a course is recognised for CPD, attendance and any assessment requirements must be met in full for the learning to count towards your CPD.
CPD recognition. This course information is provided for general reference. CPD recognition, category and training hours are subject to applicable CEA approval and listing status. Please check the official CEA CPD Course Directory where applicable.