Sold
Davis Lim · PropNex property agent in SingaporeKnow your numbers before you move.
HDB resale, condo resale and new launches. See what flats in your town sell for and how much cash you'd walk away with after the loan, fees and CPF refund. Then decide if now is the right time.
CEA Reg. No. R073061ECheck it on the CEA Public Register
PropNex Realty Pte LtdEstate Agent Licence No. L3008022J
+65 8228 1598WhatsApp or call
davislimjh@propnex.comEmail
Step 1
What's my HDB flat worth?
Pick your town and flat type to see the median resale price, the middle price of recent sales: half sold for more, half for less.
An estimate, not a formal valuation. Floor, facing, lease left and condition all move the price. See all 26 towns in one table.
Flat type
Median resale price, 4-room in Jurong West
S$530,000
Source: PropNex Market Research, 8 Aug 2026.
Get a proper valuation on WhatsApp
Step 2
How much cash do I walk away with?
Most sellers only think about the price. What matters for your next home is what's left after the loan is paid off, the fees, and the CPF refund (the CPF you used for this flat, plus interest, goes back into your CPF account).
Your exact CPF figure is on the CPF website under Home ownership.
Selling priceS$650,000
Pay off the loan− S$180,000
Agent fee (2% + 9% GST)− S$14,170
Legal fees (about)− S$3,000
CPF refund, back to your CPF− S$220,000
Cash in handS$232,830
Back in your CPFS$220,000
Cash in hand is what reaches your bank account. Legal fees are a rough guide. Private homes sold within 4 years also pay Seller's Stamp Duty, a tax on quick resales, which this quick check leaves out.
WhatsApp me these numbersRecent deals
Shown with my clients' permission. Street or estate only, never block or unit numbers.
Bought
4-room HDB resale flat, Jurong West
S$609,000 Acted for the buyersIllustration made from the buyers' own photo.
New launch
2-bed, 1-bath at Tengah Garden Residences
S$1,272,000 Acted for the buyerHow I sell your home
- WEEK 1Price it rightRecent sales in your block and town, your cash-after-sale numbers, and a written plan.
- WEEK 1Photos and videoProfessional photos and a home-tour video. Nothing edited to mislead.
- WEEKS 2–4Market itProperty portals, my own channels and paid ads, with a weekly update on views and enquiries.
- WEEKS 2–6Viewings and offersI run every viewing and negotiate for you. I act only for you, never the buyer too.
- UP TO 4 MONTHSPaperwork to keysOption to Purchase, HDB resale steps and completion, timed around your next home.
Buying an HDB resale flat
Shortlist by budget and lease left, check the asking price against recent sales, and handle the Option to Purchase and HDB steps.
New launch condos and ECs
Compare launches side by side, work out the payment stages, and book on launch day. Recent example: Tengah Garden Residences.
Upgrading from HDB
Sell first or buy first, with your own numbers: cash, CPF, loan limit and the ABSD timeline.
Questions sellers and buyers ask me
When can I sell my HDB flat?
After the Minimum Occupation Period (MOP), the time you must live in the flat before selling. For most flats it is 5 years from the day you collect the keys. Some newer flats on the Plus and Prime models have 10 years. Check your exact date on the HDB website under My Flat.
How much of the sale price do I actually get in cash?
Take the selling price, then subtract the loan you still owe, the agent's fee with GST and the legal fees. Next, the CPF you used for the flat, plus the interest it would have earned, goes back into your CPF account. That is called the CPF refund. Whatever is left reaches your bank account as cash. The calculator above does this sum for you.
Should I sell first or buy first when upgrading?
Selling first is safer: you know your cash and CPF before you commit. Buying first locks in the next home, but married couples buying a private home first pay ABSD (Additional Buyer's Stamp Duty, an extra tax on a second home, 20% for Singapore citizens) upfront. They can claim it back only if they sell the HDB flat within 6 months. I map out both timelines with your numbers before you choose.
How much do property agents charge in Singapore?
Fees are not fixed by law. Sellers of HDB flats commonly pay around 2% of the price plus GST, and buyers often pay around 1% or nothing. Ask any agent what the fee includes and get it written into the Estate Agency Agreement, the contract you both sign.
Can one agent act for both the buyer and the seller?
No. The law bars an agent from acting for both sides of the same deal, even if everyone agrees. I act only for my own client.
How do I check that an agent is registered?
Search the agent's name or registration number on the CEA Public Register (cea.gov.sg). Mine is R073061E, with PropNex Realty Pte Ltd.
Talk it through
WhatsApp is fastest, and there's no obligation to sell.
WhatsApp +65 8228 1598Phone+65 8228 1598
Emaildavislimjh@propnex.com