Important: This is an independent estimate based on public HDB resale transaction data. It is not an official HDB valuation and should not be used as a professional valuation. Actual resale prices depend on many factors including floor, orientation, renovation, condition and buyer/seller circumstances.
If you sell today, how much cash might you receive?
Estimate cash proceeds after your housing loan, CPF refund, agent commission + GST, legal/HDB costs and other selling expenses.
Sale details
Estimate
HDB loan: check your Housing Loan and Financial Information page.
Bank loan: check with your bank or latest loan statement.
HDB loan page β
Show screenshot guide
Example HDB screen showing where users can check their housing loan and account balance. Sensitive details are masked.
Look for the loan / account balance section on this HDB page, then enter the outstanding housing loan amount here.
Check CPF Home ownership β What Happens If for the latest refund amount.
CPF guide β
Show screenshot guide
Quick visual guide to where you can find the CPF refund amount.
1
Log in to CPF Open your CPF dashboard.
2
Go to Home ownership Open the section for your property / housing details.
3
Tap βWhat Happens Ifβ Choose the scenario for selling your property.
4
Use the refund figure shown Enter that amount here as your CPF refund required.
Tip: use the latest figures close to your intended sale date, as loan and CPF refund amounts can change over time.
CPF age group
Affects funds available
For this estimate, the CPF refund is treated as returning to OA. We will show
cash proceeds + CPF refund as the total potentially available for your next purchase.
At age 55 and above, part of the CPF housing refund may first be used to top up your Retirement Account to the required Full Retirement Sum (FRS).
If your RA has already met FRS, enter 0. If you are not sure, check CPF before relying on this estimate.
Check CPF β
Agent commission
GST is 9% of the commission amount β not 9% of the sale price.
Legal / HDB costs
HDB fee estimate includes transfer legal fee, title search ($32), miscellaneous fee ($5.45), and applicable mortgage-discharge fees.
SSD defaults to $0. Enter it only if applicable. S&CC should normally be paid up to resale completion.
Estimated cash proceeds
$β
$βCPF refund
$βtotal potentially available
$βselling costs excl. loan/CPF
Proceeds breakdown
Sale priceβ
Outstanding loanβ
CPF refundβ
Estimated RA top-up to FRSβ
Estimated CPF remaining in OAβ
Total potentially available for next purchaseβ
Agent commissionβ
GST on commission (9%)β
Legal / HDB feesβ
SSDβ
Outstanding S&CCβ
Other costsβ
Estimated cash proceedsβ
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