Sovereign Fair Value & Home Equity Cashout Studio
Instant algorithmic valuation calibrated against verified URA caveat lodgements across 4,638 condominiums. Simulate your true liquid cash in hand after CPF principal & 2.5% accrued interest refund, or unlock liquidity via an MAS 75% LTV Home Equity Term Loan without selling.
Property Valuation & Equity Cashout StudioInstant Algorithmic AVM
Calibrated across 4,638 developments and 191,000+ URA caveat lodgements
Property & Unit Specifications
Search condominium and define floor level and size
Mortgage & Home Equity Parameters (Optional)
Deduct loan & CPF 2.5% accrued interest for exact net cashout
Statutory CPF Compound Accrued Interest Waterfall
CPF accrued interest is compounded at 2.5% p.a. annually from your purchase year. Upon legal completion of sale, this amount refunds back into your CPF Ordinary Account for your next home purchase.
Singapore Residential Property Valuation & Equity Term Loan Statutory Guide
1. MAS Notice 632 (Equity Term Loans)
Owners of private residential properties can pledge their fully or partially paid-off homes to obtain a bank equity term loan up to 75% of the current market valuation. The borrowing is restricted by the borrower's Total Debt Servicing Ratio (TDSR ≤ 55%), but incurs 0% ABSD.
2. CPF Accrued Interest (2.5% Compound)
Any CPF Ordinary Account funds utilized towards downpayment, monthly mortgage servicing, or stamp duties must be refunded back into your CPF OA upon sale, compounded at the guaranteed 2.5% p.a. interest rate. These funds are credited back to your account and remain fully accessible for your subsequent property purchase.
3. Seller's Stamp Duty (SSD) Holding Window
Under IRAS rules, residential properties sold within 3 years of purchase attract Seller's Stamp Duty: 12% in Year 1, 8% in Year 2, and 4% in Year 3. Properties held for ≥ 3 full years attract 0% SSD.