Asked by Anonymous
How to calculate Sale Proceeds from HDB and Condo?
2378 views
8 Answers
Greetings from Ohmyhome!.
We are able to assist you on this matter.
For more information, kindly contact us at 68869009 or WhatsApp us at 97551009 .
Richmond Chia
Senior Advisor
Ohmyhome Pte Ltd Read More
We are able to assist you on this matter.
For more information, kindly contact us at 68869009 or WhatsApp us at 97551009 .
Richmond Chia
Senior Advisor
Ohmyhome Pte Ltd Read More
Hi, hopefully you managed to sell your unit at a good price then. If, so then congrats! Hopefully you are doing well now.
If you are currently or planning to find a property agent, I can assist.
If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me .
https://www.era.com.sg/R064892F
If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.
Landon Chew
97 39 60 40
landonchew@email.com Read More
If you are currently or planning to find a property agent, I can assist.
If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me .
https://www.era.com.sg/R064892F
If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.
Landon Chew
97 39 60 40
landonchew@email.com Read More
1
To calculate the sale proceeds from your HDB flat and condo in Singapore, you need to consider several factors:
**For HDB Flat:**
1. **Selling Price:** The agreed-upon price you sell your flat for.
2. **Outstanding Loan:** The remaining amount you owe on your HDB loan.
3. **CPF Monies Used:** The amount of CPF savings used, including accrued interest, to purchase or service the loan for your flat.
4. **Resale Levy (if applicable):** If you're buying another subsidized flat, you may need to pay a resale levy.
5. **Other Costs:** These include conveyancing fees, agent commissions (if you used one), and any outstanding HDB fees or charges.
**For Condo:**
1. **Selling Price:** The agreed-upon price you sell your condo for.
2. **Outstanding Loan:** The remaining amount you owe on your condo's mortgage loan.
3. **Seller's Stamp Duty (SSD):** If you're selling within three years of purchase, you may be liable to pay SSD.
4. **Agent Commission (if applicable):** Typically a percentage of the selling price.
5. **Legal Fees:** For conveyancing and related legal services.
**Calculation:**
* **HDB Flat:**
* Sale Proceeds = Selling Price - Outstanding Loan - CPF Monies Used - Resale Levy - Other Costs
* **Condo:**
* Sale Proceeds = Selling Price - Outstanding Loan - Seller's Stamp Duty - Agent Commission - Legal Fees
**Online Calculators:**
To simplify the process, you can use online calculators provided by:
* **HDB:** [https://homes.hdb.gov.sg/home/calculator/sale-proceeds](https://homes.hdb.gov.sg/home/calculator/sale-proceeds)
* **PropertyGuru:** [https://www.propertyguru.com.sg/property-investment-questions/how-to-calculate-the-sale-proceed-if-i-sell-the-condo-430038](https://www.propertyguru.com.sg/property-investment-questions/how-to-calculate-the-sale-proceed-if-i-sell-the-condo-430038)
* **SgNewCondos:** [https://sgnewcondos.com/financial-calculator/proceeds/](https://sgnewcondos.com/financial-calculator/proceeds/)
**Important Note:**
* These calculators provide estimates, and the actual proceeds may vary depending on your specific circumstances.
* Consider consulting a property agent or financial advisor for personalized advice on maximizing your sale proceeds.
* Always factor in all costs associated with the sale to get a clear picture of your net profit.
I hope this helps! Let me know if you have any other questions.
WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
"If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(***) You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
For buyers, I offer solutions for sourcing resale and new private homes at no charge.
I can connect you with reputable bankers for private housing loans free of charge and with no obligation.
I also have partners to assist with mortgage home insurance matters.
Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!
*** You can reach me at my Singapore mobile: (65) 98 56 92 55 or email me at Able.selling@gmail.com.
From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”
XXXXX The End XXXXXXX Read More
**For HDB Flat:**
1. **Selling Price:** The agreed-upon price you sell your flat for.
2. **Outstanding Loan:** The remaining amount you owe on your HDB loan.
3. **CPF Monies Used:** The amount of CPF savings used, including accrued interest, to purchase or service the loan for your flat.
4. **Resale Levy (if applicable):** If you're buying another subsidized flat, you may need to pay a resale levy.
5. **Other Costs:** These include conveyancing fees, agent commissions (if you used one), and any outstanding HDB fees or charges.
**For Condo:**
1. **Selling Price:** The agreed-upon price you sell your condo for.
2. **Outstanding Loan:** The remaining amount you owe on your condo's mortgage loan.
3. **Seller's Stamp Duty (SSD):** If you're selling within three years of purchase, you may be liable to pay SSD.
4. **Agent Commission (if applicable):** Typically a percentage of the selling price.
5. **Legal Fees:** For conveyancing and related legal services.
**Calculation:**
* **HDB Flat:**
* Sale Proceeds = Selling Price - Outstanding Loan - CPF Monies Used - Resale Levy - Other Costs
* **Condo:**
* Sale Proceeds = Selling Price - Outstanding Loan - Seller's Stamp Duty - Agent Commission - Legal Fees
**Online Calculators:**
To simplify the process, you can use online calculators provided by:
* **HDB:** [https://homes.hdb.gov.sg/home/calculator/sale-proceeds](https://homes.hdb.gov.sg/home/calculator/sale-proceeds)
* **PropertyGuru:** [https://www.propertyguru.com.sg/property-investment-questions/how-to-calculate-the-sale-proceed-if-i-sell-the-condo-430038](https://www.propertyguru.com.sg/property-investment-questions/how-to-calculate-the-sale-proceed-if-i-sell-the-condo-430038)
* **SgNewCondos:** [https://sgnewcondos.com/financial-calculator/proceeds/](https://sgnewcondos.com/financial-calculator/proceeds/)
**Important Note:**
* These calculators provide estimates, and the actual proceeds may vary depending on your specific circumstances.
* Consider consulting a property agent or financial advisor for personalized advice on maximizing your sale proceeds.
* Always factor in all costs associated with the sale to get a clear picture of your net profit.
I hope this helps! Let me know if you have any other questions.
WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
"If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(***) You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
For buyers, I offer solutions for sourcing resale and new private homes at no charge.
I can connect you with reputable bankers for private housing loans free of charge and with no obligation.
I also have partners to assist with mortgage home insurance matters.
Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!
*** You can reach me at my Singapore mobile: (65) 98 56 92 55 or email me at Able.selling@gmail.com.
From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”
XXXXX The End XXXXXXX Read More
Hello there!
With my strong foundation in property analysis, market trends, and legal frameworks, my expertise covers a broad spectrum of real estate matters.
From new launch investments to resale upgrades and financial planning, I believe in offering practical, data-driven insights tailored to your goals.
Whether you’re planning your first purchase or optimising your portfolio, I’ll help you make informed, strategic decisions.
My goal is to simplify decisions with clarity and data-backed advice — not pressure.
Contact me at 8444-0899 for a free, no-obligation consultation today.
Connect with me on Instagram, TikTok, YouTube, Facebook, Apple Podcast and Spotify at @johnlaiproperty
where I share weekly property insights, real-life case studies, and market updates to help you make smarter real estate decisions.
John Lai | 黎潍铭
8444-0899 | john.lai@kwsingapore.com
Associate Growth Manager
KW Singapore Real Estate
Top Achiever Agent 2023 (PropNex)
Top Achiever Agent 2024 (PropNex) Read More
With my strong foundation in property analysis, market trends, and legal frameworks, my expertise covers a broad spectrum of real estate matters.
From new launch investments to resale upgrades and financial planning, I believe in offering practical, data-driven insights tailored to your goals.
Whether you’re planning your first purchase or optimising your portfolio, I’ll help you make informed, strategic decisions.
My goal is to simplify decisions with clarity and data-backed advice — not pressure.
Contact me at 8444-0899 for a free, no-obligation consultation today.
Connect with me on Instagram, TikTok, YouTube, Facebook, Apple Podcast and Spotify at @johnlaiproperty
where I share weekly property insights, real-life case studies, and market updates to help you make smarter real estate decisions.
John Lai | 黎潍铭
8444-0899 | john.lai@kwsingapore.com
Associate Growth Manager
KW Singapore Real Estate
Top Achiever Agent 2023 (PropNex)
Top Achiever Agent 2024 (PropNex) Read More
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile: (65) 9856 9255
***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** Connect Singapore Line: (65) 9856*9255 Read More
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile: (65) 9856 9255
***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** Connect Singapore Line: (65) 9856*9255 Read More
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile: (65) 9856 9255
***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** Connect Singapore Line: (65) 9856*9255 Read More
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile: (65) 9856 9255
***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** Connect Singapore Line: (65) 9856*9255 Read More
WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5
***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** ✔✔Connect Singapore Line: ✔✔(65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!! Read More
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5
***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** ✔✔Connect Singapore Line: ✔✔(65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!! Read More