From your flat to a condo. What’s actually in reach?
Your flat is worth what flats like it have actually sold for, and your budget is whatever the loan rules allow on top of that. Both of those are knowable. This works them out from HDB’s own resale register and from what private homes have recently changed hands for — then shows you the projects that sold inside the answer.
Your flat
We look up what flats like yours have actually sold for, from HDB’s registered resale transactions. Add your block and the estimate narrows to your block.
Your finances
Nothing here is stored or sent anywhere. The sums run in your browser.
Where you’d like to buy
We match your budget against the last recorded sale in each project.
Every figure above is produced by the rules below. Change any input and it recalculates; nothing is saved and nothing is sent anywhere until you choose to get in touch.
- If you sell first: no existing housing loan at purchase, so the model uses up to 75% LTV and at least 5% cash. If the loan extends past age 65, it uses the lower 55% LTV tier and at least 10% cash.
- If you buy first: one existing housing loan at purchase, so the model uses up to 45% LTV, at least 25% cash, and includes ABSD upfront. If the loan extends past age 65, it uses the lower 25% LTV tier.
- Total monthly repayments capped at 55% of gross income — the TDSR rule.
- That cap tested at 4% a year, the rate banks must stress against, not the rate you pay.
- Tenure of 30 years, or 65 minus the older buyer’s age, whichever is shorter.
- Buyer’s Stamp Duty on the rates in force since 15 February 2023.
- Monthly repayments use the illustrative rate you enter. The card also shows the payment at the 4% stress rate.
- On sale, the outstanding loan is repaid first. The CPF principal used plus accrued interest is separated from cash proceeds and returned to CPF.
- Sell-first ABSD uses 0% for an SC and 5% for an SPR buying their first residential property. Buy-first ABSD uses 20% for an SC buying a second home and 30% for an SPR buying a second home. A possible refund is not treated as money available at completion.
A model, not an offer. It ignores agent and legal fees, renovation, any cash-over-valuation, loan clawbacks and individual CPF restrictions. Nothing here is a valuation or financial advice.
Turn the number into a plan.
A budget is the easy part. The order you sell and buy in, what the CPF refund does to your cash on completion, and which of these projects actually suits you — those take a conversation. No obligation, and you’ll leave with a clear next step either way.
Got it.
We’ll be in touch shortly with your next step.