What Is Sell and Buy Calculator?
Many homeowners know roughly how much their property is worth, but are unsure whether selling their current home will provide enough funds for their next purchase.
The Sell and Buy Calculator is designed to help homeowners estimate the financial impact of selling one property and purchasing another. It takes into account outstanding housing loans, CPF refunds, selling expenses, stamp duties, grants, loan requirements and other common transaction costs.
Rather than looking at the sale and purchase separately, the calculator combines both transactions into a single estimate, providing a clearer picture of the funds available for the next property.
Whether you are planning to rightsize, upgrade from an HDB flat to a condominium, move to another HDB flat, or purchase a private property, this calculator can serve as a useful starting point for financial planning.
Part 1: Sale Proceeds
CPF Refund
Selling Cost
Part 2: Next Purchase
HDB Housing Grants
Loan Estimate
Next Purchase Costs
How Does The Calculator Work?
The calculator follows three steps:
① Estimate Sale Proceeds
Deduct outstanding loan, CPF refund, commission, legal fees and selling costs to estimate your available sale proceeds.
② Estimate Purchase Costs
Calculate purchase price, stamp duties, legal fees, grants and other buying costs.
③ Determine Affordability
Combine sale proceeds, CPF, grants and loan financing to estimate your available surplus or shortfall.
Important Things To Note
Many homeowners are surprised to learn that CPF monies used for the purchase of the property, together with accrued interest, generally need to be refunded to their CPF account upon completion of the sale. As a result, the amount of cash received from the sale may be lower than expected, even if the property has appreciated in value.
This applies to both HDB and private residential properties where CPF funds were utilised.
Your housing loan will be fully settled from the sale proceeds before any balance is distributed to the owners.
For properties with multiple owners, the ownership share entered will affect how the net proceeds are allocated between the sellers. Normally most cases are 50/50 share unless otherwise stated by lawyer during purchase of the property.
For HDB purchases, housing grants such as the First-Timer Grant, Enhanced CPF Housing Grant (EHG) and Proximity Housing Grant (PHG) are subject to prevailing HDB eligibility conditions.
The grant amounts entered into this calculator are estimates only and do not guarantee grant approval. Buyers should verify their eligibility through their HFE Letter and the latest HDB guidelines.
The loan amount entered in this calculator is for estimation purposes only.
For HDB purchases, buyers should refer to their HFE Letter for the actual loan eligibility. For private properties, final loan approval depends on factors such as income, age, outstanding debts, credit assessment, TDSR requirements and bank lending criteria.
This calculator is intended as a planning tool to help homeowners estimate their potential sale proceeds and affordability for their next property purchase.
While every effort has been made to provide a reasonable estimate, actual figures may differ due to factors such as:
- Final selling price achieved
- Outstanding loan redemption amount at completion
- CPF refund obligations, including accrued interest
- Legal fees and disbursements
- Agent commission payable
- Stamp duties, grants and financing eligibility
- Completion adjustments and other transaction-related costs
For a more accurate assessment based on your property’s actual loan balance, CPF usage and intended purchase plans, consider obtaining a personalised calculation before making any major property decisions.
This calculator is intended to provide a preliminary estimate and should not be relied upon as financial, legal or tax advice.
Actual transaction figures may differ due to market conditions, CPF adjustments, stamp duties, grant eligibility, loan approval, legal costs and other factors specific to each transaction.
Need A Personalised Assessment?
Whether you are selling an HDB flat, condominium or landed property, a personalised calculation can provide a clearer understanding of your expected proceeds and available options after the sale.
✓ Estimated net sale proceeds
✓ CPF refund assessment
✓ Outstanding loan redemption estimate
✓ Purchase and affordability planning
✓ Upgrade, right-sizing or retirement considerations
Let us work with you. Connect with us.
Whether you are selling, buying, or partnering with us as a co-broker, you can count on us to operate with sincerity and integrity.
We are continually seeking opportunities to broaden our network and expand our circle of work. We believe that by collaborating, we can achieve greater results and deliver more value and benefits to all our clients and partners.
