Moving from an HDB flat to a private property involves CPF refunds, ABSD (if you keep the flat), MOP timing and more moving parts than a straight purchase. This lays out the full numbers so nothing surprises anyone at the lawyer's table.

Terms this tool uses

MOP: — Minimum Occupation Period: 5 years you must live in an HDB flat before you can sell it or rent out the whole unit.
ABSD: — Additional Buyer's Stamp Duty: an extra tax if you still own your current flat when you buy the next property.

Fill this in with your client. Amounts can be casual — “1.2m”, “$450k”, “1,200,000”. Required fields marked *.

Client & current home

Client name

Sale price (current home)

Outstanding loan (0 if paid)

CPF used for this home

CPF accrued interest

Other CPF OA savings

Cash savings for next home

Agent fee % (default 2%)

Buyers (add more for a joint application)

Monthly income (this buyer)

Age

Citizenship

Other monthly debts (car, etc., combined)

Properties owned AFTER buying

The move

Property type

Target A price

Target B price (optional, for A/B)

Loan tenure (years, default 25)

Expected loan rate % (SAVE, default 3.5)

Growth assumption %/yr (4-yr view, optional)