The real financial picture before you commit — CPF accrued interest, ABSD timing, TDSR limits, and a full itemised breakdown of every fee in the transaction.
Explains that CPF OA funds refunded from your HDB sale can be reused for the new condo — covering the 5% cash component vs. CPF-eligible 20%, and why the sequence of transactions affects CPF availability.
Read articleCovers the 55% TDSR cap, why MSR does not apply to private condos, how an existing HDB loan drops your LTV to 45%, and a worked example showing a dual-income couple's condo ceiling.
Read articleItemised table of every transaction cost — agent commission, legal fees, HDB resale levy, new condo BSD, ABSD, and stamp duty timing. Includes a worked example: 4-room flat at $580K to a $1.5M OCR condo.
Read articleCovers the 20% ABSD for Singapore Citizens buying a second residential property, the 6-month sell-down window for ABSD remission, how to pay and claim a refund, and why missing the window can cost $120,000–$300,000.
Read articleExplains the 2.5% p.a. compound interest on all CPF OA withdrawn for housing, with a step-by-step calculation showing how $200K withdrawn in 2018 becomes $226K+ owed back to CPF by 2026.
Read articleExplains that CPF principal plus accrued interest is refunded to your OA first before you receive cash — with a worked example of a flat sold for $600K with $200K CPF used over 8 years.
Read articleThe calculator works out your net cash, ABSD exposure, and condo affordability before you read a single article.
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