Asset Performance Scorecard Survey

TAKE THE SINGAPORE HDB ASSET PERFORMANCE SCORECARD

This simple 5-minute assessment evaluates your property across key factors:

✔ Lease risk exposure
✔ CPF capital lock-in
✔ Growth efficiency
✔ Retirement runway
✔ Strategic flexibility

At the end, you will receive a clear rating:

🟢 Performing Asset
🟡 Underperforming Asset
🔴 Retirement Risk Exposure

🔷 SECTION 1 – LEASE RISK (0–5 Points) *1. How many years of lease remain on your flat? 💡 Why it matters: Financing flexibility and buyer pool narrow as lease shortens under frameworks governed by the Housing & Development Board.90–99 years85–89 years80–84 years70–79 yearsBelow 70 years

🔷 SECTION 2 – CPF CAPITAL LOCK-IN (0–5 Points) *2. If you sell today, what percentage of your sale price would go back to CPF (including accrued interest)? 💡 High CPF refund = lower liquidity.Below 40%40–55%56–65%66–75%Above 75%

🔷 SECTION 3 – EQUITY EFFICIENCY (0–5 Points) *3. What is your estimated annual capital growth over the past 5 years? (You may benchmark against town cycles such as mature estates like Bishan vs younger estates like Punggol or Sengkang.)Above 6% per year4–6%2–4%1–2%Below 1% / stagnant

🔷 SECTION 4 – AGE & RETIREMENT RUNWAY (0–5 Points) *4. How many years do you have until age 65? 💡 Shorter runway = less time to recover from stagnation.More than 25 years20–25 years15–19 years10–14 yearsBelow 10 years

🔷 SECTION 5 – STRATEGIC FLEXIBILITY (0–5 Points) *5. Which best describes your current position?Strong cash reserves + low loanModerate reserves + manageable loanTight cash flow but stableHigh loan + limited reservesFinancially stretched

total score

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