Calculator

Property Sale Proceeds Calculator

What actually lands in your hands after the outstanding loan, the CPF refund with accrued interest, and selling costs come out of the sale price.

What the result means

The gap between the sale price and the cash you can reuse is usually much larger than owners expect — mostly because of the CPF refund.

Knowing the cash figure before you start viewing is the single most useful thing you can do early.

Read alongside

Illustration of a couple looking out at the Singapore skyline, beside a handwritten spreadsheet: condo price $1.5M, 5% cash down $75,000, 20% cash or CPF $300,000, buyer's stamp duty $44,600, legal and valuation $3,000, total upfront $422,600.

Upgrading

How Much Cash Do I Actually Need To Upgrade To A Condo?

The loan covers the largest line, so people assume the rest is small. It isn't. Here is every cash and CPF outlay in an upgrade, in the order you will be asked for it — the same whether you are selling an HDB flat, an EC or a condo.

26 Mar 20265 min read

Illustration of a couple standing between two skylines: HDB blocks on the left labelled "Current home", condo towers on the right labelled "Next home", with a dashed arrow arcing from one to the other.

Upgrading

Should I Sell My Current Property First Before Buying?

The same question whether you own an HDB flat, an EC or a condo. It depends on your cash position, financing capacity, CPF usage and ABSD exposure — and whether you could genuinely carry both properties if the sale took longer than expected.

4 Mar 20265 min read