Illustrative photography · Unsplash. Not a client property or transaction.
Why do you want to move?
More space, a shorter commute, or a different lifestyle? Write down the outcome you want. A clear purpose makes it easier to decide which compromises are worthwhile.
What does comfortable look like?
A maximum loan figure is only one part of a household budget. Consider ongoing expenses, irregular income, dependants, and the savings buffer you want to preserve. Try the mortgage calculator with different rates and loan amounts.
What will your sale actually make available?
Your expected selling price is not the same as cash available for the next purchase. Review your outstanding mortgage, required CPF housing refund, and selling costs using your actual statements.
How will the two transactions connect?
Map the sale, purchase, financing, and handover dates. Discuss potential accommodation needs and the implications of owning more than one property with the relevant professionals.
What needs to be verified?
Check current HDB sale eligibility, financing requirements, and stamp duties before committing. A Property Health Check can help organise the questions and information for your next conversation.
Go to the source
HDB: Selling a flat ↗IRAS: Stamp duty ↗General planning information, prepared on 30 October 2026. Rules and individual circumstances can change. Verify current requirements with the relevant authority and your lender before making commitments.