Calculators
Run the numbers first.
Then decide who to call.
The same three calculations we do in a first meeting, using the current IRAS and MAS rules. Nothing is gated, nothing is emailed to you, and the result does not disappear behind a form.
What's actually left after you sell?
The number that matters for your next purchase is not the sale price — it is the cash in your hand after the bank and CPF are repaid. CPF comes back to your CPF account, not your bank account.
The purchase price is what appears on your Option to Purchase, before stamp duty and legal. Your CPF principal and accrued interest are both on your CPF statement under “Property withdrawal”. If you are not sure, put in a rough figure — the shape of the answer will still be right.
How much can you actually borrow?
Banks cap you on three things at once: your income (TDSR or MSR), your age, and how many home loans you already have. This applies all three and shows you which one is binding.
This is an estimate on the published rules. Your actual approval depends on the bank's assessment of your income type, credit file and existing commitments. Get an IPA before you commit to anything.
Buyer's Stamp Duty and ABSD, in one.
Two separate taxes that you pay together within 14 days of exercising the option. Both are charged on the higher of purchase price or market value.
The part a calculator can't do
These give you the shape. We'll do the real one.
A calculator does not know that your bonus is not counted the same way, that your CPF has an outstanding pledge, or that selling in March instead of December changes your SSD. That is the conversation.
- Your actual CPF position, pulled properly
- Sequencing — whether to sell first or buy first, and what it costs either way
- An honest read on whether the timing works at all