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Upgrade Holding Power

What your household can realistically support after selling your current home — loan, cash, CPF and monthly commitment together, rather than one at a time. For HDB, EC and condo owners moving to a condo.

What the result means

Affordability is not one number. It is the lowest of three ceilings: what a bank will lend you, what you can put down in cash and CPF, and what you can comfortably service every month.

The point of running it is to find which of the three binds first, because that is the one worth working on.

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