Tools · Invest & Grow
Stay, Sell or Restructure
The evidence sorted into three columns — never a verdict.
Stay, sell or restructure sorts the evidence rather than giving a verdict: your answers about the household, the flat's computed proceeds, and the town's real price path against the island, in three honest columns. It is the conversation an owner has before deciding to list.
What you enter
- The flat, its town and type, and what a sale would leave you
- Why you are asking: space, money, a move, a rent
What you get
- The case for staying, the case for selling, and the case for restructuring
- The town's twelve-month trend against the island
- What to check before acting
Worked example
A 4-room in Tampines, owned 11 years
The town is rising faster than the island
- Town median, last 12 months
- Up about 4% a year
- Proceeds if sold
- $250,000 cash, $268,000 CPF
- Restructure option
- Rent a room, keep the flat
Illustrative, for a Singapore citizen couple, 35, first property, $12,000 a month between them, $250,000 cash and $200,000 in CPF Ordinary Account unless the case says otherwise. Your own numbers replace every figure the moment you use the tool.
The rule behind it, in prose: Upgrading from HDB to private: sell first or buy first?.
Answers: should I sell my HDB, stay or sell flat, right-size.
Also in Invest & Grow
This tool is part of Roov Pro. Create a free account first — the affordability check, live rates, grants, timelines and market analysis come with it — and upgrade when you want this one.