msgs={
  "msg1": { "title": "ROI - Return on investment", "body":  "ROI is calculated by subtracting all the expenses such as loan interest, taxes, maintenance, etc. from the total rent collected and then divided by the total amount invested (minus the bank loan)."},
  "msg2": { "title":  "Rent monthly or annual", "body":  "This is rent value collected without any deductions on monthly or annual basis."},
  "msg3": { "title":  "Cashflow or Passive Income", "body":  "Cashflow is the amount of money coming in after deducting all expenses. A positive cashflow means that your rental property is profitable, while a negative cashflow indicates that it is not generating enough revenue to cover expenses."},
  "msg4": { "title":  "Total Income", "body":  "Total income is the revenue from the rental after deductions of total expenses. Expenses include tenant-occupied tax, loan interest, and maintenance charges."},
  "msg5": { "title":  "Loan Repayment", "body":  "Loan repayment is the payment to the bank to serve the mortgage or housing loan."},
  "msg6": { "title":  "Property Tax (Tenant Occupied)", "body":  "Tenant-occupied tax has higher charges than owner-occupied tax. It is calculated based on the IRS Singapore’s tenant-occupied tax bracket for specific rental value for the property."},
  "msg7": { "title":  "Maintenance Charge (Estimated)", "body":  "This is the fee paid for the property maintenance to the property management (MCST)."},
  "msg8": { "title":  "Total Expense", "body":  "Total expense is the amount needed to maintain the property. It is the sum of all outgoing payments such as: Loan Repayment, Property Tax, Maintenance Charges."},
  "msg9": { "title":  "Property Tax (Owner Occupied)", "body":  "Owner-occupied tax that every household in Singapore pays if the owner lives in the house. Please visit IRAS Singapore for more details on owner-occupied tax."},
  "msg10": { "title":  "Loan Interest", "body":  "It is the percentage interest that the bank charges you for having the loan. To find out your interest rate, please refer to your loan documents or reach out to your bank."},
  "msg11": { "title":  "Loan Amount", "body":  "The loan amount is the money you take from the bank to purchase the property."},
  "msg12": { "title":  "Downpayment", "body":  "According to Singapore IRAS guidelines, you need a minimum 25% downpayment of the purchase amount to buy the house. You can use your savings, CPF, and bank deposits to pay this amount. The rest of the 75% of the purchase price is usually paid with a bank loan."},
  "msg13": { "title":  "Monthly Repayment", "body":  "According to Singapore IRAS guidelines, you need a minimum 25% downpayment of the purchase amount to buy the house. You can use your savings, CPF, and bank deposits to pay this amount. The rest of the 75% of the purchase price is usually paid with a bank loan."},
  "msg14": { "title":  "Annual Value", "body":  "Annual Value of a property is the value a property is worth annually. It is the amount used to calculate the property tax. You can find out your properties annual value by reaching to your bank or find it online at IRAS website. \n By default we take annual value as 3% of the purchase price. By entering accurate annual value you can have more accurate results of your total rental income."}

}