Sell and Buy in the Right Order

What you get · Step 3 of 4

Most moves go wrong in the order of steps, not the choice of home. Selling and buying is a sequence, and every step has a date attached to it.

Where most movers get caught out

Committing to a new home before knowing the net proceeds after the loan, CPF refund and fees.
Buying before selling without checking the ABSD rules and deadlines that apply to you.
Stretching to the top of the loan limit with no buffer if rates or income change.

Net proceeds first. Know what your current home leaves you with before you look at anything new.
Loan approval in principle. Confirm what the bank will lend, and note when the approval runs out.
Sell first, or buy first. Stamp duty decides this. Check whether ABSD applies if you own two homes at once, and what deadline you would have to sell by.
Line up the dates. Your sale completion, your new purchase and any temporary stay should fit together, with a buffer.
One contact for the move. Banker, lawyer, home inspector, designer and contractors, coordinated so nothing slips between them.

Selling your HDB to buy private: get the order right: the ABSD refund window for married couples, the rule for PRs, and bridging.

Net proceeds calculator: your starting number.

Want the sequence worked out for you?

I will map your sale, your purchase, your loan and your stamp duties with dates, in one written plan. Free.