PROPERTY WEALTH PLANNING
Should you buy, sell, hold or upgrade?
Compare your realistic property options side by side, using your own numbers and current rules.
Compare your realistic options on the same basis, then decide what deserves a closer look. Your answers stay in this browser tab.
- 1Your situation
- 2Your numbers
- 3Compare and check
Your options, side by side
This compares the arithmetic of what you entered. It does not choose for you, and it is not a valuation, loan approval or financial advice.
Estimate only. All scenarios depend on your individual case. Not legal, financial, tax or lending advice. Consult your own legal adviser before acting. Full terms
Sell later assumes a sale halfway through the years you chose.
What would have to be true, and what to check
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Look closer at the property side
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Common routes when moving home
- Sell first: more certainty on funds, but you may need somewhere to stay in between.
- Buy first: secures your next home earlier, but needs more cash upfront and an ABSD check.
- Buy and sell together: reduces moving friction, but deposits and completion dates need careful planning.
Rules to check before you act
- HDB loans cover up to 75% of the price, or less if the lease does not cover the youngest buyer to age 95. You need a valid HFE letter before an Option to Purchase on a resale flat.
- When you sell, the CPF refund generally covers CPF used plus accrued interest. At a market-value sale, a shortfall after the loan generally need not be topped up in cash.
- Standard ABSD on or after 27 Apr 2023: citizens 0%, 20%, 30%+; PRs 5%, 30%, 35%+; foreigners 60%. Special cases and remissions need separate checks.
- Usual order: HFE letter, financing, Option to Purchase, resale submission, completion, CPF refund, then funding your next home.
Rules as at 3 Oct 2026. Check current rules with the agency.