官方参考资料
新加坡住宅重置成本与家居财物规划
供 Interest.sg 住宅与家居财物保额计算器使用的版本控制参考资料。它记录已核实的有地住宅重置成本方法、组屋与分层住宅责任范围、GST 处理及物品类别，不估算保费，也不判断保障是否适合。
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GIA 有地住宅重置成本方法
| 规划步骤 | 官方背景 | 计算器处理方式 |
|---|---|---|
| Construction cost | Construction Floor Area (CFA) multiplied by an appropriate unit construction cost | Uses only the floor area and unit reconstruction cost entered by the user; never uses purchase price or market value |
| Building fixtures and fittings | Owner-estimated built-in furniture, fixtures, light and electrical fittings are added to construction cost | Kept inside the landed building calculation and separate from home renovations and movable contents |
| Professional fees | GIA's simplified example assumes 10% of construction plus building fixtures | Starts at the source-controlled 10% assumption and remains visible and editable |
| Demolition and debris removal | GIA's simplified example assumes 5% of construction plus building fixtures | Starts at the source-controlled 5% assumption and remains visible and editable |
| GST | GIA applies GST after construction, fixtures, professional fees and debris removal; IRAS states the current rate is 9% from 1 January 2024 | Applies the release-controlled 9% rate after the listed amounts |
GIA 页面没有列出发布日期，并于 2026 年 9 月 4 日在线核实；IRAS GST 页面最后更新于 2025 年 6 月 13 日。GIA 把示例列为一般简化方法，并建议需要更准确评估时咨询合资格房产估值师或工料测量师。
组屋与分层住宅建筑责任
| 住宅类型 | 官方背景 | 计算器处理方式 |
|---|---|---|
| HDB flat | HDB says its fire scheme covers reinstatement of internal structures, fixtures and areas built and provided by HDB, but not furniture, renovations or personal belongings | Building reconstruction is excluded unless the user separately confirms responsibility and enters a building amount |
| Condominium / strata lot | GIA states strata-titled property damage must be insured by the MCST; BCA regulations show owner improvements or fixtures may be excluded unless notified and any additional premium paid | MCST building cover is never assumed to include owner improvements; building reconstruction is excluded unless responsibility is separately confirmed |
| Tenant | Building responsibility depends on the tenancy and responsible owner or management party | The calculator excludes building reconstruction in tenant mode and estimates only user-entered renovations, contents and belongings |
HDB 页面于 2026 年 9 月 4 日在线核实；页面显示的指定保险公司期间为 2024 年 8 月 16 日至 2029 年 8 月 15 日。BCA 规例源自 2005 年，并于 2026 年 9 月 4 日在线核实。增减任何金额前，请核对实际 HDB、MCST、业主、租约及保单文件。
物品分类与隐私范围
| 包括 | 分开显示 | 不包括 |
|---|---|---|
| User-entered replacement amounts for furniture, appliances, electronics, clothing, kitchen and household items, personal belongings, renovations, fixtures and optional named categories | Building reconstruction, renovations and fixtures, movable contents, personal belongings and confirmed existing sum insured | Market value, insurer quotes, policy recommendations, product rankings, claim prediction or a judgment that any entered sum is underinsured, overinsured, suitable or unsuitable |
档案回存只提供汇总金额与复核日期；具名物品类别与逐件财物资料不会建议存入财务档案。
相关计算器
官方资料来源
- GIA — How to Estimate the Property Sum InsuredGeneral Insurance Association of Singapore · 验证于 2026-09-04
- HDB — Fire Insurance ScopeHousing & Development Board · 验证于 2026-09-04
- BCA — Building Maintenance (Strata Management) Regulations 2005, Part VBuilding and Construction Authority · 验证于 2026-09-04
- IRAS — Current GST RatesInland Revenue Authority of Singapore · 验证于 2026-09-04
官方资料可能更改。作出决定前，请打开以上来源确认最新规则；Interest.sg 不会估算缺失的官方数值。
引用建议：Interest.sg，《新加坡住宅重置成本与家居财物规划》，资料日期 2026-09-04，最后成功检查 2026年9月4日。