Sell First or Buy First Decision Tool
Recommendation
Sell first may be suitable if you need cash certainty; buying first suits those with strong cash buffers.
Estimated proceeds (simplified): SGD 339,000
⚠️Estimates only. This tool provides indicative calculations and is not financial or legal advice. Check with banks, CPF and licensed professionals for exact figures.
How to use this tool
- Enter current property value, outstanding loan, savings, and whether temporary housing is needed.
- Review simplified net sale proceeds and the sell-first versus buy-first recommendation.
- Use the recommendation to prepare questions for your agent, banker, and conveyancing lawyer.
Frequently asked questions
Is it better to sell HDB first or buy condo first?
Selling first gives cash certainty and may avoid ABSD pressure. Buying first can reduce temporary housing disruption but needs stronger cash buffers and financing.
What is the main risk of buying first?
The main risk is carrying two commitments, needing bridging finance, or facing ABSD and timeline pressure if the existing property is not sold quickly.
What is the main risk of selling first?
The main risk is needing temporary housing or rushing into the next purchase because your family has already moved out.
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