Selling one flat and buying another

Your sale pays off the loan, refunds your CPF and covers its costs. The CPF refund can then go toward the next flat. Here both deals are one sum, with what changes if they happen together, or one before the other.

The flat you are selling

Selling price (S$)

Your selling figures

Totals for the whole flat and all owners. Enter 0 where nothing is due. We do not look up your loan or CPF.

Loan still to repay (S$)The amount your lender needs to close every housing loan on this flat.Total CPF refund (S$)Add up every owner's refund from their CPF statement. It is more than the CPF you used, because it includes the interest your CPF would have earned.Agent fee, including GST (S$)Your agreed fee at the asking price. It stays fixed at every price we compare.Legal fees (S$)Your lawyer's quote for the sale.Other selling costs (S$)For example a loan penalty, or a resale levy if you have already bought your next subsidised flat (HDB takes it from this sale).

Each owner can see their refund on CPF's refund page. Use the full amount for the month you expect to complete the sale.

The flat you are buying

Price (S$)HDB valuation (S$, if known)CPF you have now (S$)LoanLease left on it, years (optional)Buyers of the next flatHDB loan before?An owner is 55 or older

If both complete on the same day, with HDB's contra arrangement

Enter both prices and the five selling figures, using 0 where nothing is due.

Arithmetic on your own figures and published rules, checked 2026-10-13: HDB's contra terms, conditions after buying and extension of stay, and CPF on refunds. Buying a new HDB flat or an executive condominium instead has other rules, such as a resale levy; not covered here. Not financial advice.

Not sure what your flat could sell for?

Search your block and see the range recent sales support.

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