Last updated: 12 June 2026
The information on propelevate.sg (the “site”) is provided for general informational and educational purposes only. It is intended to help Singapore HDB owners understand the financial and procedural aspects of upgrading to private property. By using this site, you accept this disclaimer in full.
Not professional advice
Nothing on this site constitutes financial, tax, legal, investment, or real estate advice, and nothing here should be relied upon as a substitute for advice from a licensed professional. We are not your financial adviser, mortgage broker, conveyancing lawyer, tax agent, or property agent, and using this site does not create any such relationship.
Before making any decision to buy, sell, or finance property, you should consult appropriately qualified and licensed professionals who can consider your specific circumstances — including a mortgage banker or broker, a conveyancing lawyer, and where relevant a tax adviser.
The calculator and figures are estimates
The HDB upgrade calculator and any worked examples, figures, tables, or scenarios on this site are illustrations and estimates only. They rely on simplified assumptions and on the information you enter, and they will not reflect your exact circumstances. Actual figures — including your CPF refund, accrued interest, stamp duties, loan eligibility, and net proceeds — will differ. Always confirm your real numbers with:
- Your CPF Home Ownership dashboard (for CPF principal and accrued interest),
- A bank or mortgage broker (for loan eligibility, TDSR, and LTV),
- IRAS (for BSD, ABSD, and stamp duty),
- HDB (for MOP, eligibility, and resale procedures), and
- Your conveyancing lawyer.
Rules change
Singapore’s property rules — including ABSD rates, BSD schedules, TDSR and LTV limits, MOP requirements, CPF usage rules, and stamp duty remission conditions — are set by the relevant authorities (HDB, IRAS, MAS, and the CPF Board) and can change at any time. While we aim to keep the site accurate and current, we make no guarantee that all information reflects the latest rules. Verify the current position with the relevant authority before acting.
No warranty and limitation of liability
The site is provided “as is” without warranties of any kind, express or implied, including as to accuracy, completeness, or fitness for a particular purpose. To the fullest extent permitted by law, propelevate.sg and its operators accept no liability for any loss or damage arising from your use of, or reliance on, any information, calculator output, or content on this site.
Agent matching
Where this site offers to match you with a licensed property agent, it acts as an introduction service only. We do not provide the agent’s services ourselves and are not responsible for advice given, or actions taken, by any third-party agent you engage.
Questions
If you have questions about this disclaimer, please contact us at hello@propelevate.sg.
This disclaimer is a general template and should be reviewed by a qualified lawyer before the site goes live.