I own, or I'm selling
When you can sell, what you would walk away with, and what holding costs.
Two dates govern a sale and neither is on your listing: when the minimum occupation period ends, and when seller’s stamp duty stops applying. After that it is arithmetic — the loan, the CPF refund with its accrued interest, and the commission.
Start here
- When can I sell?The date the minimum occupation period ends, and when seller’s stamp duty stops applying.
- What will this home cost me to hold?Every duty, interest and commission — and the price a sale must clear to return your own cash.
- Which flats near me can start selling?Every block reaching the end of its five-year minimum occupation period, by town and year.
Also useful here
- What is the stamp duty?Both buyer’s duties on one price, banded, with the rate each band used.
- What does the loan cost over time?Total interest, and how little of an early instalment touches what you borrowed.
- What is a shorter lease worth?The table the State itself applies to a lease, and what one more year of holding costs.
- What rental return are these prices producing?A gross return only. Never a net one — the running costs it would need are not published anywhere.