For owners planning to downsize
Before you list, know what you would really free up.
Message James on WhatsAppRetiring or right-sizing is rarely about the flat. It is about how much cash you free up, where you live while you move, and what your building or HDB rules allow. Start with the three questions below, then bring your numbers.
Three questions worth answering first
How much cash would I really free up?
Not the sale price. What is left after the loan, your CPF refund with accrued interest, agent and legal costs, and any stamp duty on the next home. The gap between the headline price and what lands in your account is usually the surprise.
See what you actually walk away with →Where do I live in the meantime?
Sell first or buy first decides whether you are carrying two loans or hunting for a temporary home. The right order depends on your cash, your timeline and how firm the next purchase is.
Get the order right →What does my MCST or HDB rule allow?
Rules on selling, renting out and waiting periods have changed recently, and they differ between HDB and private. Check what applies to you before you set a date.
What changed for downgraders →One more question, if it applies
Is your estate being approached about en bloc?
An estate-wide sale changes every other answer on this page, because the timing, the payout and the rules are no longer yours alone to set.
See how I look at an estate →Next step
Want it worked out for your own numbers?
Two minutes, mostly taps. I send a written plan before you commit to anything.
Get my free Decision ReviewThis page is for informational and educational purposes only. It does not constitute financial, investment, or legal advice. Property investments involve risk. Past performance is not indicative of future results. Readers should seek independent advice from licensed professionals before making any property or financial decision. James Ong is a licensed real estate salesperson (CEA Reg No. R008385F) with PropNex Realty Pte Ltd and is not a licensed financial adviser.
James Ong | CEA Reg No. R008385F | PropNex Realty Pte Ltd