What your sale really leaves you with, and the most you could pay for a private home, selling first or buying first.
Don't know the price? Get an instant estimate.
An estimate, not loan approval or financial advice. Uses the rules in force as of October 2026: buyer's stamp duty and ABSD rates from IRAS; a 55% total-debt limit with a 4% stress-test rate and the 75% (or 45%) loan limits from MAS; loan tenure up to 30 years and not past age 65. Variable income is counted at 70%. Banks, CPF withdrawal limits (for example from age 55, or an older lease) and your credit record can change the result. Message me for a proper check before you commit.
Fill in your flat's expected price, your ages and incomes. The planner works out the cash and CPF your sale frees up, how much a bank can lend you, the stamp duty, and the highest price that fits, for both ways of doing it.