Section 1
The sale.
Sale Inputs
Selling your current home.
Sale Price
Agreed price with buyer
S$
Outstanding Loan
Balance to redeem at completion
S$
Agent Commission
2.18% (2% + 9% GST)
%
Legal / Conveyancing
Lawyer's fees
S$
CPF + Accrued Interest
Refund to owner A
S$
CPF + Accrued Interest
Refund to owner B
S$
Miscellaneous
Prorated tax, MCST, etc.
S$
Sale Breakdown
Where the money goes.
Deductions from Sale Price
Outstanding loan redemption
—
Agent commission
—
Legal / conveyancing
—
CPF refund to owner A
—
CPF refund to owner B
—
Miscellaneous
—
Net Cash Proceeds
—
Total CPF Refunded
—
Net Cash Proceeds flows into your cash holdings at completion. Refunded CPF returns to each owner's OA account and can fund the next purchase.
Section 2
The position.
Current Balances
What you have today.
CPF OA — Owner A (Current)
Before sale proceeds refund
S$
CPF OA — Owner B (Current)
Before sale proceeds refund
S$
Cash Holdings
Excluding rainy-day & reno funds
S$
Position at Completion
After the sale closes.
CPF OA — After Refund
Owner A (current + refund)
—
Owner B (current + refund)
—
Total CPF OA
—
Cash — After Sale
Cash holdings before sale
—
Net sale proceeds
—
Total cash at completion
—
Total Cash + CPF Available
—
Section 3
The purchase.
Purchase Inputs
Buying the next home.
Purchase Price
PSF: —
S$
Loan-to-Value (LTV)
Max 75% for first property
%
Interest Rate
Estimated annual rate
%
Loan Tenure
Repayment period
yrs
Legal Fees
Conveyancing on purchase
S$
Miscellaneous
Prorated tax, MCST, admin, etc.
S$
Purchase Costs
What it takes to buy.
Loan & Downpayment
Bank loan
—
Balance of purchase price (25%)
—
Option fee (1% of price)
Cash only, on booking
Option exercise (4% of price)
Cash only, at OTP exercise
Fees & Duties
Buyer's Stamp Duty (BSD)
Cash first, CPF reimbursable
Legal fees
—
Miscellaneous
—
Total Outlay to Complete Purchase
—
Monthly Mortgage
Monthly repayment
—
Cash Remaining After Completion
—
Assumes CPF is used first for the downpayment and BSD, with remaining cash bridging the gap. A positive figure means your existing cash covers the transition; negative means you'll need bridging finance or a smaller purchase price.