Makeyournextpropertydecisionwithevidence.
Guides, tools and data for Singapore households deciding what to do next.
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Plate 1 Bidadari, Toa Payoh planning area. One of the estates behind the numbers in the HomeAsset dataset. Photo: ZKang123 via Wikimedia Commons (CC BY-SA 4.0), cropped.
Guides, indexed
SORTED BY THE QUESTION ANSWERED
| No. | Guide and the question it answers | Key figure | Topic |
|---|---|---|---|
| 01 | The upgrader's ABSD survival map: every route and what each costs What does the second-property ABSD cost, and which routes avoid it? | 20% ABSD, 2nd home | ABSD |
| 02 | CPF refund with accrued interest: the number that surprises every seller How much of our sale proceeds goes back into CPF, and why? | 2.5% p.a. Accrued interest | CPF |
| 03 | MOP just reached: the first 90 days checklist We just hit our Minimum Occupation Period, what should we do first? | 90 days Checklist window | Timeline |
| 04 | From HDB loan and MSR to bank loan and TDSR: what changes when you upgrade Our loan rules change when we move to private. What exactly shifts? | 30% → 55% MSR to TDSR cap | Financing |
The Tan family's upgrade math
ALL FIGURES IN SGD
| Line item | Movement | Running balance |
|---|---|---|
| HDB flat sale priceGross proceeds at completion | S$620,000 | S$620,000 |
| Outstanding loan to clearRedeem existing mortgage | -S$182,000 | S$438,000 |
| Selling costsAgent commission and legal | -S$16,516 | S$421,484 |
| CPF refund with accrued interestReturned to CPF, not lost | -S$248,000 | S$173,484 |
| Cash proceeds to the next home | S$173,484 | |
| Next-home budgetCash proceeds, refunded CPF and new loan | S$1,380,000 |
The CPF refund is the line that catches people.
The S$248,000 returning to CPF is not money lost. It stays in the family's CPF accounts, ready for the next home. What changes is the cash in hand at completion, and that is what sets a realistic budget.
Sell first, and every figure above is known before an offer is made on the condo. That is the certainty most upgraders are buying.
Computed with the same method used across 3,000+ financing cases assessed to date. Illustrative figures for one household; your numbers will differ.
The desk
HomeAsset is built and stood behind by two CEA-registered advisers. The platform teaches first and quantifies second. And when you want the numbers read against your own situation, that conversation is a message away.
Registered salespersons with PropNex Realty Pte Ltd. HomeAsset is an advisory practice, not an estate agency.
When you are ready to talk, it works like this.
You message us
One WhatsApp message, with or without your numbers. No form, no call queue.
We work through your numbers
We map your CPF, loan, ABSD and timeline to your actual position, not a template.
You leave with a written plan
A clear plan you can act on in your own time, and a direct line to us for whatever comes up next.
Clarity first, always. The guides and tools explain your options. A short conversation with us makes them precise for your situation, whenever you are ready.
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