Upgrading
How Much HDB Equity Do I Actually Have?
4 min read
Selling
Selling — what you'll actually walk away with
Pricing, timing, sequencing, and the gap between your sale price and your usable cash.
Selling is usually the first half of a larger decision, which is why the most useful work happens before the listing goes up rather than after.
The central question is not what your property is worth. It is what will be available to you afterwards, and when.
What this covers
The questions worth settling first
01
Your real proceeds
Sale price, less the outstanding loan, less the CPF refund with accrued interest, less selling costs.
02
Pricing against evidence
What comparable units have actually transacted at, and how to read the data's limitations.
03
Sequencing the sale
Whether to sell before buying, and what happens to your position if the sale runs long.
04
Costs on the way out
Commission, legal fees, and — where the holding period applies — Seller's Stamp Duty.
Start here
Selling
Pricing, timing and sequencing your sale — including what happens to your CPF and proceeds on completion.
Related reading
Worth reading alongside
Common questions
When is the best time to sell?
Nobody can tell you where the market will be in six months, and anyone who says otherwise is guessing with confidence. The timing that matters most is your own: whether your next move is funded, whether the holding period is behind you, and whether you can afford to wait for the right buyer rather than the first one.
How do I price my property?
Against recent transactions for genuinely comparable units, adjusted openly for floor, facing, condition and size. An asking price that ignores the evidence usually ends up discovering it slowly, through months on the market.
New insights, when they're worth sending
Occasional emails when I publish something useful. No listings, no blasts.