HDB UPGRADER GUIDE
Should you sell now — and what can you actually afford next?
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Check My Readiness
Free · Takes 3 min
HDB UPGRADER GUIDE
Drop in your numbers. Get an exact analysis — MSR, TDSR, CPF and tenure logic all applied to your real situation. You walk away with a precise HDB + private + EC budget, a personalised readiness score, and a clear next step. No spreadsheet. No sign-up to start.
No spreadsheet. No confusion. Type your real numbers (price, loan, CPF, income, age) plus two quick questions — get your exact HDB + private + EC budget with MSR, TDSR, CPF and tenure all applied. We auto-fill from your live snapshot above if you used it.
Upgrader FAQ
It comes down to three tests: your net sale proceeds after refunding CPF (principal plus accrued interest), whether your income supports the new loan under TDSR (and MSR for an EC), and your cash and CPF for the down payment and stamp duties. Many 4-room owners hold $200K+ in equity they have not calculated. The tool above applies MSR, TDSR, CPF and tenure logic to your real numbers for an indicative HDB, private and EC budget.
For a bank loan on a private property, the maximum loan-to-value is 75% of the purchase price (with no outstanding home loan and a tenure within limits), so you need at least 25% — of which 5% must be in cash. Your actual loan is then capped by TDSR, which limits total monthly debt to 55% of gross monthly income.
TDSR caps all monthly debt repayments at 55% of gross monthly income and applies to every property loan. MSR is stricter and applies only to HDB flats and ECs bought from the developer — it limits the housing loan repayment alone to 30% of gross monthly income.
Yes. The CPF you used — the principal withdrawn plus accrued interest you would have earned had it stayed in your account — must be returned to your CPF. This reduces your cash-in-hand, which is why true net proceeds are usually lower than the headline price gain.
The MOP is 5 years from key collection for most HDB flats. You cannot sell your flat or buy private residential property until it is completed. Confirming your MOP date is the first step in any upgrade plan.