Net proceeds from your sale — after the loan, SSD, fees, and the CPF refund most sellers forget. Andrea Goh · PropNex
On sale, CPF principal + accrued interest refunds to your CPF (still your money — just in CPF, not the bank). This is the number most sellers forget.
SSD only applies if sold within the holding period (residential: up to 4 years for purchases from 4 Jul 2025). Most HDB sellers past MOP and long-term owners pay none. Commercial (office/retail) has no SSD.