Sell condo · Buy next home

Your next home, funded by this one.

Moving up to a bigger condo or landed, or right-sizing, means two large deals in the same market. In the right order, the gain in your current home pays for the next step instead of stamp duty.

Plan my next move
  1. 01Your condoSold for what it is really worth
  2. 02Your gainWhat is left after the loan, CPF and any SSD
  3. 03Your next homeBigger, landed, or closer to what matters
  4. 04Your portfolioOne home, or two if decoupling works for you

What has to line up.

Seller’s Stamp Duty

Sell within the holding period and SSD is due on the sale. Check your purchase date before you list.

ABSD and the order

Buy before you sell and ABSD applies. Married couples get it back if the old home is sold within 6 months; singles do not.

Bridging and loans

If the next deposit is due before your sale completes, a bridging loan can cover it. While a loan is outstanding, the next one is smaller.

Keep both?

Decoupling can let a couple keep the current home and buy the next without second-property ABSD. It has costs, so we check that it pays.

You sell and buy in the same market.

Prices move for both homes at once. What you control is how well your home sells and how the two deals are timed. Staging, photography and film come with my sale plan.

Your plan, step by step.

  1. What is my condo worth?Condo value check >
  2. What is left after the loan and CPF?Sale proceeds calculator >
  3. Is Seller’s Stamp Duty due?SSD calculator >
  4. Will ABSD apply?ABSD calculator >
  5. Should we decouple?Decoupling calculator >
  6. Does the money work for both homes?My numbers >
  7. Review my sell-and-buy plan with HansonWhatsApp >

Your sale price sets your next address.

Let’s get both right, in the right order.

Plan my next move