Upgrading to a bigger or private home
Here is the order upgraders work through: when you can sell, what selling costs, how much you can borrow, and the stamp duty on the next home.
- Check when you can sell your current flat (the MOP). When can I sell my HDB flat? (the Minimum Occupation Period)
- Check Seller's Stamp Duty on the home you are selling. What is Seller's Stamp Duty (SSD), and how long must I hold a home to avoid it?
- See how much goes back to your CPF when you sell. How much CPF can I use to buy a home, and how much goes back to CPF when I sell?
- Work out how much you can borrow for the next home. How much can I borrow for a home, and what are the loan limits: TDSR, MSR and LTV?
- Understand BSD, ABSD and SSD on the next purchase. How much stamp duty will I pay on a home?
- See the stamp duty at the price you have in mind. Stamp duty tool
- Know which cooling measures apply now. What are Singapore's property cooling measures, and which round applies now?
If you want to go further
Not sure the move makes sense for your household? Freedom Age asks: should we upgrade now? Go to Freedom Age
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