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Can I Afford a Condo After Selling My HDB? Quiz With Real Condos

PropertyHQ teamUpdated
Hand holding house keys with a house-shaped keychain in front of a staircase
Your budget, then the condos that fit it. Photo: Jakub Żerdzicki on Unsplash

At a glance

Time
About a minute, 9 questions
You get
Maximum price, loan, stamp duty, monthly instalment and matching condos
Condo prices
1,153 projects with resales in the last 12 months (URA)
Unit sizes
750 sqft (1 to 2 bedrooms), 1,050 sqft (3), 1,450 sqft (4 or more)

Three limits, and the lowest one wins

A bank will lend up to 75% of the price if the loan ends by age 65. Your monthly repayments on all loans, tested at 4% interest, must stay within 55% of income. And your sale proceeds, CPF and savings must cover the rest, plus buyer’s stamp duty, with at least 5% in cash. The quiz finds the highest price that passes all three, and tells you which one is holding you back.

Why the condo list matters

A budget on its own doesn’t say much. The quiz turns it into a list of condos where units of your size really did sell within that budget over the last 12 months. You can open each one to see every sale, prices by floor and rents.

Browse every project in our condo price database, or unlock your plan and we’ll send a shortlist with what’s on the market now.

Common questions

How are the condo prices worked out?

For each project, we take the median resale price per square foot over the last 12 months from URA caveats and multiply it by a typical unit size. Floor, facing and stack can move a real unit's price 10% either way.

Does the quiz include new launches?

No, it lists resale condos with recent sales, because their prices are proven. New launches usually cost more per square foot. Ask us for launches in your budget.

What if I want to buy the condo before selling?

You'd pay ABSD upfront, 20% for a citizen's second home, and the loan limit drops to 45% if you still have a home loan. Married couples get the ABSD back if they sell the HDB within 6 months.

Get a free valuation

Tell us your block and flat type. We'll send recent prices for your block and nearby blocks, and what a sale would leave you after your loan and CPF refund.

We'll reply on WhatsApp. Your details go only to our agent and are never sold. See our privacy notice.

Sources

Facts on this page were checked against these sources on 13 October 2026.

  1. URA: Private residential transactions (API)
  2. MAS: Rules for new housing loans (TDSR, LTV)
  3. IRAS: Buyer's Stamp Duty rates