Selling
Seller Valuation & COV Read
An honest, evidence-backed read of what your flat will actually transact for — not a flattering number to win your listing.
Who it’s for
Owners who need the real net figure before they commit to selling.
Best done alongside your seller valuation, before you list.
The number that matters when you sell is not the sale price — it is the cash that lands in your account after everyone is paid. Many owners are surprised by how the CPF refund works: the money you took from CPF to buy the flat goes back to your CPF on sale, together with the interest it would have earned, before any cash reaches you.
We sit down and build the full picture: your likely sale price, your outstanding HDB loan, the CPF principal you used and the accrued interest on it, and any housing grant that returns to CPF. What is left over is your indicative cash proceeds. Knowing this early changes decisions — sometimes for the better, occasionally enough to wait a year.
You can sketch a first version yourself in seconds with our Resale Proceeds Estimator on this site, then we sharpen it together with your real CPF and loan figures. It is a guide, not a financial promise, but it stops the unpleasant surprises.
Priced to actually sell
A defensible price from real transacted data — never a flattering number that leaves your flat sitting unsold for months.
A personal, honest approach
You deal with the same consultant throughout, who raises the awkward truths early so nothing blindsides you at completion.
We hold your timeline
From the Option to Purchase through to completion, we keep every date moving so your sale and next home line up.
Ready to talk it through with Marcus Lim? Get in touch
What’s included
Exactly what you get
- Your outstanding HDB loan and CPF refund laid out clearly
- A plain explanation of CPF accrued interest and why it matters
- How any housing grant returns to CPF on sale
- An indicative cash-proceeds figure you can plan around
- A starting estimate you can run yourself in the on-site tool
Often paired with
Outstanding-loan and CPF refund breakdownAccrued-interest explainerIndicative cash-proceeds estimate
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