Right time and Right price to sell your property?
Understanding your property finances can be a headache, let Homeowner 360° do the math for you so you don't have to.Get started
Track your property value
Find out your property's estimated sale value and rental value using X-value
Estimate your sales proceeds
See how much actual cash will you receive after loans and CPF
Plan your progress
Evaluate your options with your available deposit and maximum bank loan
That's why it's so important to get this right.
Whether you're right-sizing or upgrading, get an unbiased report on what your property options are.
Frequently Asked Questions
How much of a home loan can I borrow?
Alternatively, you can visit 99.co's affordability calculator. You can then find the perfect mortgage for you via this tool which searches across banks, compares different packages and secures the best deal for you.
Before you choose a home loan package, you might want to read more about loan-to-value limits, Mortgage Servicing Ratio and Total Debt Servicing Ratio, to better understand your borrowing capacity limits.
How much do I need to earn to upgrade from HDB to a private condo?
How to calculate CPF accrued interest?
Here are some relevant articles related to CPF financing for home loans:
How accurate is Property Value calculation?
The good news is that 99.co has a simpler option via its Property Value Tool. If you want to quickly get an estimate of your property's value prior to listing it for sale, here's a quick overview on how to do so with 99.co Property Value Tool.
What is better - bank loan or HDB loan?
For HDB loans, your down payment can be made with your CPF Ordinary Account savings and the maximum loan-to-value (LTV) ratio is 85%. You can also choose to refinance your home loan with a bank loan even after getting a higher LTV with the initial loan.
Check out further comparisons here and here.
How to select an agent to sell my property?
What is refinance and how can it help me save interest payment?
Find out more about refinancing and how a prudent strategy when choosing your package can help you save more on your interest payments.
What is a Negative Sale?
You can do simple inputs in the Homeowner 360° tool to calculate if you will end up in a negative sale situation!
Find out how you can avoid ending up with a negative sale here: