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Your walk away price is the most you will pay before the seller has to find a new buyer. You set it before negotiating because once you are emotionally invested in a unit, your judgment slips and you overpay. Locking the number in advance keeps the discipline that wins the negotiation.
It starts from the last comparable sale, then adds a patience premium based on how long you would happily wait for the next deal and your annual carrying cost versus renting. It applies a portion of that as a ceiling, adjusts for any emotional factor you enter, and caps everything at your hard financing max.
The patience premium reflects that waiting for the next suitable property has a cost: more months of carrying or renting. If you would wait a long time and waiting is expensive, you can justify paying a little more for the right unit now. The tool adds only a fraction of that as headroom, deliberately conservative.
Your hard max is the ceiling set by cash plus financing, including stamp duty and CPF limits. No matter how attractive a property feels, you cannot exceed what you can actually fund and service. The calculator caps your walk away at this figure so the number stays realistic, not aspirational.
The difference between the asking price and your walk away number is your negotiation room. It tells you how far you are trying to move the seller and frames your opening offer. Pair it with the concession ladder to give ground in shrinking steps, and have Winfred Quek (CEA R073319H) pressure test the figure first.