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How to Calculate Profit or Loss on the Sale of Your Previous Flat?


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Calculating Sale Proceeds


In every HDB sale transaction, the Real Estate Salesperson will know that calculating the sale proceeds is a necessary step during the registration of Intent to Sell.

As far as HDB is concerned, there are only a few factors to consider when calculating the sales proceeds. Do not hesitate to use the table below or the e-services in the HDB website to calculate your sales proceeds.


sale proceeds

Calculating Sale Proceeds


The resale price is estimated. You can check your outstanding bank loan balance with your bank. If you took HDB loan, you can check your outstanding HDB loan with the services on HDB website under “Sale Proceeds Calculator”, or simply click here. You can check your CPF utilized plus its accrued interest from the CPF website. Alternatively you can click here to be redirected to the CPF website.

The Upgrading Levy is imposed on Singapore Permanent Resident who are selling a current Main Upgrading Programme (MUP) flat and Singapore Citizens who are selling their 2nd or subsequent MUP flat (applicable for demo batch to batch 6).

The Upgrading Cost is paid by whoever the owners are at the time of the scheduled billing date of the invoice by HDB. Sellers will have to pay the Upgrading Cost if the invoice is scheduled to be billed before the 2nd Appointment by HDB. Buyers will have to pay the Upgrading Cost if the invoice is scheduled to be billed after the 2nd Appointment by HDB.

The deposit is defined as the sum of the Option Fee and the Option Exercise Fee. It cannot be more than $5,000.

Checking of outstanding HDB loan, outstanding Upgrading Cost and amount of CPF utilised for the flat with the accrued interest will require a valid SingPass. If you have activated your SingPass, be sure to activate the 2FA on SingPass as well.

To check the outstanding HDB loan and outstanding Upgrading Cost, simply go to the HDB webiste Sale Proceed Calculator and the links are at the top of the page. For CPF utilised and the accrued interest, you can enter the CPF website and login via SingPass. Click on “My Statements” then “Property”. However, do take note that CPF changes the user interface from time to time and our guide may be a little different from the actual website.

While the Sale Proceeds Calculator on the HDB website is a simple one, you should contact a Real Estate professional if you want a more comprehensive calculation. For example, you may want to find out the amount of profit that can be cashed out after considering the purchase of a next house. Some other factors like the Right Sizing Policy may come into play.

If you only require a simple sale proceeds calculator, you can simply click here to be redirected to the calculator from HDB.



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Calculating Sale Proceeds


In every HDB sale transaction, the Real Estate Salesperson will know that calculating the sale proceeds is a necessary step during the registration of Intent to Sell.

As far as HDB is concerned, there are only a few factors to consider when calculating the sales proceeds. Do not hesitate to use the table below or the e-services in the HDB website to calculate your sales proceeds.


sale proceeds

Calculating Sale Proceeds


The resale price is estimated. You can check your outstanding bank loan balance with your bank. If you took HDB loan, you can check your outstanding HDB loan with the services on HDB website under “Sale Proceeds Calculator”, or simply click here. Resale Levy is explained in a separate article. Click here for information on Resale Levy. You can check your CPF utilized plus its accrued interest from the CPF website. Alternatively you can click here to be redirected to the CPF website.

The Upgrading Levy is imposed on Singapore Permanent Resident who are selling a current Main Upgrading Programme (MUP) flat and Singapore Citizens who are selling their 2nd or subsequent MUP flat (applicable for demo batch to batch 6).

The Upgrading Cost is paid by whoever the owners are at the time of the scheduled billing date of the invoice by HDB. Sellers will have to pay the Upgrading Cost if the invoice is scheduled to be billed before the 2nd Appointment by HDB. Buyers will have to pay the Upgrading Cost if the invoice is scheduled to be billed after the 2nd Appointment by HDB.

The deposit is defined as the sum of the Option Fee and the Option Exercise Fee. It cannot be more than $5,000.

Checking of outstanding HDB loan, outstanding Upgrading Cost and amount of CPF utilised for the flat with the accrued interest will require a valid SingPass. If you have activated your SingPass, be sure to activate the 2FA on SingPass as well.

To check the outstanding HDB loan and outstanding Upgrading Cost, simply go to the HDB webiste Sale Proceed Calculator and the links are at the top of the page. For CPF utilised and the accrued interest, you can enter the CPF website and login via SingPass. Click on “My Statements” then “Property”. However, do take note that CPF changes the user interface from time to time and our guide may be a little different from the actual website.

While the Sale Proceeds Calculator on the HDB website is a simple one, you should contact a Real Estate professional if you want a more comprehensive calculation. For example, you may want to find out the amount of profit that can be cashed out after considering the purchase of a next house. Some other factors like the Right Sizing Policy may come into play.

If you only require a simple sale proceeds calculator, you can use our calculator above or simply click here to be redirected to the calculator from HDB.



Date first posted on 18 June 2019; Last Edited on 18 June 2019

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