# Singapore Property Lifetime Cost Calculator AI Agent Connect

> Compare the total lifetime costs of HDB flats versus private Condominiums in Singapore.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_UrhnT9dMPpgVtv9k54lUd9RoFiFQojo3jZFvMoaB/ai-agent-connect
- **Tags:** property, hdb, condo, mortgage, singapore-finance

## Description

This MCP server provides deterministic financial modeling for Singaporean property buyers. It calculates the total lifetime cost by accounting for the purchase price, total interest accrued over the loan tenure, and recurring maintenance fees. Users can use `get_single_property_analysis` to see a full breakdown for a specific property type, `compare_property_types` to evaluate the financial difference between HDB and Condo options, or `get_affordability_limit` to determine their maximum purchasing power based on a healthy affordability ratio.

## Tools

### compare_property_types
Compares two different property types for the same user

### get_affordability_limit
Determines the maximum property price a user can afford

### get_single_property_analysis
Provides a complete lifetime cost breakdown for one specific property configuration

## Prompt Examples

**Prompt:** 
```
Calculate the lifetime cost for a 30-year-old earning 6000 SGD monthly for an HDB 4-room flat with a 25-year loan.
```

**Response:** 
```
For an HDB 4-room flat at a purchase price of 500,000 SGD, your monthly installment is approximately 2,215 SGD. The total interest over 25 years is 164,500 SGD, and the total lifetime cost is 664,500 SGD. Your affordability ratio is 0.37.
```

**Prompt:** 
```
What is the maximum property price I can afford if I earn 8000 SGD a month?
```

**Response:** 
```
Based on a target affordability ratio of 0.3, your maximum monthly installment is 2,400 SGD. This allows for a maximum purchase price of approximately 735,000 SGD.
```

**Prompt:** 
```
Compare an HDB 5-room flat and a Condo 1-bed for a user earning 10,000 SGD monthly with a 25-year loan.
```

**Response:** 
```
The HDB 5-room flat has a lifetime cost of 1,050,000 SGD, while the Condo 1-bed has a lifetime cost of 1,550,000 SGD. The HDB option is 500,000 SGD cheaper.
```

## Frequently Asked Questions

**What is included in the lifetime cost calculation?**
The lifetime cost includes the initial purchase price, the total interest paid over the entire loan tenure, and all monthly maintenance fees.

**How is the affordability ratio determined?**
The affordability ratio is calculated by dividing the monthly mortgage installment by your monthly income. A ratio below 0.3 is considered healthy.

**Can I compare different property types directly?**
Yes, you can use the `compare_property_types` tool to see the exact cost difference and affordability comparison between two different property configurations.