Tools · Buy & Transact
Upgrading Planner
Moving up? See if you can move yet, and whether to sell or buy first.
Upgrading from an HDB flat to a condo is two transactions with one cash position. The planner tests whether you can move yet — MOP, ABSD, the loan — and lays out sell-first against buy-first: the bridging cash, the ABSD you would pay and later claim back, and the dates.
What you enter
- Your flat's value, loan and CPF used, and its MOP date
- The target price, your income and holdings
What you get
- Whether you can move now, and what blocks it
- Sell-first and buy-first side by side, with cash at each step
- ABSD payable up front and the remission window
Worked example
$650,000 flat with $180,000 loan, targeting a $1,600,000 condo
Sell first: no ABSD, $210,000 bridging need
- Cash from the flat after CPF refund
- $248,000
- Buy first: ABSD to fund, refundable
- $320,000
- Sell first: cash gap to completion
- $210,000
- Earliest move
- After MOP, 14 months
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: upgrade HDB to condo calculator, sell first or buy first.
Also in Buy & Transact
This tool comes with a free account: no card, one minute, and your results carry into the roadmap and the report.