Statutory Wealth Realization Engine
HDB Record Cash-Out & Private Upgrade Studio
Model your true net sales proceeds waterfall with statutory CPF 2.5% compounded accrued interest restitution. Contrast against national S$1.0M–S$1.728M record enclaves and calculate your private condo upgrade purchasing power under 0% ABSD.
Singapore HDB homeowners selling their flat must legally refund their CPF Ordinary Account principal plus 2.5% per annum compounded monthly accrued interest before receiving cash proceeds. The PropAce HDB Cash-Out Studio computes exact net equity waterfalls and models MAS 55% TDSR borrowing capacity, empowering upgraders to acquire private condominiums under statutory 0% ABSD treatment.Grounding: Housing and Development Act · Central Provident Fund Act (Cap. 36) · MAS Notice 645
All-Time Record
S$1.728M
96A Henderson Road (Bukit Merah)
Avg Windfall vs BTO
+S$1,008k
Across Prime Resale Enclaves
ABSD Liability
0% ABSD
Under 6-Month Disposal Window
CPF Interest Restitution
2.5% p.a.
Compounded Monthly to OA
HDB Equity Inputs
HDB Selling PriceS$1,200,000
S$500kS$1.2MS$1.8M
Outstanding Loan BalanceS$250,000
Upgrade Profile (MAS 55% TDSR)
Net Proceeds WaterfallIRAS & CPF Restitution
Resale Selling PriceS$1,200,000
Less: Outstanding Mortgage Discharge-S$250,000
Less: CPF Principal Withdrawn-S$180,000
Less: CPF 2.5% Compounded Accrued Interest-S$60,000
Less: Legal Conveyancing & 2% Agent Commission-S$27,000
Net Liquid Cash in HandS$650,000
Total Equity War Chest (Cash + CPF OA)S$910,000
Private Condo Upgrade Capacity (0% ABSD)
MAS Notice 645 CompliantMax Condo BudgetS$2.25M
75% LTV Bank LoanS$1.68M
25% Downpayment + BSDS$645,000
Est. Monthly MortgageS$7,100/mo
Surplus Emergency Buffer+S$265,000
ABSD PayableS$0 (0% ABSD)
*SC Married Couples qualify for full upfront ABSD waiver under standard HDB disposal undertaking (disposing existing flat within 6 months of private condo completion/key collection).
National All-Time Record HDB Resale Enclaves
Benchmark transactions from Singapore's authoritative resale register