{"id":83080,"date":"2025-03-03T17:13:31","date_gmt":"2025-03-03T09:13:31","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=83080"},"modified":"2025-03-03T17:15:34","modified_gmt":"2025-03-03T09:15:34","slug":"hdb-sales-proceeds-guide","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/hdb-sales-proceeds-guide\/","title":{"rendered":"Everything you need to know about HDB sales proceeds"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/sell-hdb-flat\/\">Selling your HDB flat<\/a> is a significant financial step, and understanding the HDB sales proceeds is crucial. It&#8217;s not just about selling high and pocketing the difference.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Several factors influence your final sales proceeds. Selling your HDB flat is rarely as simple as listing it and waiting for the right buyer \u2014 especially those with freshly <a href=\"https:\/\/www.99.co\/singapore\/insider\/full-list-hdb-bto-projects-mop-2025\/\">MOP-ed units<\/a> looking to upgrade. But before you pop the champagne, it&#8217;s important to understand how your sales proceeds are calculated and how much you stand to earn.<\/span><\/p>\n<p>This comprehensive guide will help you navigate the process, ensuring you&#8217;re fully informed before making any decisions.<\/p>\n<h2>Table of Contents<\/h2>\n<ul>\n<li><a href=\"#what-are-hdb-sales-proceeds\">What are HDB sales proceeds?<\/a><\/li>\n<li><a href=\"#prerequisites-before-selling-your-hdb-flat\">Prerequisites before selling your HDB flat<\/a><\/li>\n<li><a href=\"#breakdown-of-deductions\">Breakdown of deductions<\/a><\/li>\n<li><a href=\"#cash-proceeds-calculation-example\">HDB sales proceeds calculation example<\/a><\/li>\n<li><a href=\"cash-over-valuation-cov\">Cash Over Valuation (COV)<\/a><\/li>\n<li><a href=\"#receiving-your-sales-proceeds\">Receiving your HDB sales proceeds<\/a><\/li>\n<li><a href=\"#using-your-proceeds-for-your-next-home\">Using your HDB sales proceeds for your next home<\/a><\/li>\n<li><a href=\"#partner-with-99co\">How 99.co simplifies your HDB resale<\/a><\/li>\n<\/ul>\n<h2 id=\"what-are-hdb-sales-proceeds\">What are HDB sales proceeds?<\/h2>\n<p>HDB sales proceeds refer to the net cash amount you receive after selling your flat, following the deduction of all outstanding loans, <a href=\"https:\/\/www.99.co\/singapore\/insider\/cpf-housing-refund-savings\/\">CPF refunds<\/a> with accrued interest, agent commissions, legal fees, and other associated costs. The final amount varies depending on your financial obligations and housing arrangements.<\/p>\n<p><strong>Key insight:<\/strong> Estimating your sales proceeds accurately is crucial for financial planning. Use 99.co&#8217;s online calculator for a preliminary estimate, which will help you calculate the final value of your sales proceeds.<\/p>\n<p><iframe loading=\"lazy\" style=\"border: none; width: 350px !important; box-shadow: 0px 2px 12px rgb(11 17 52 \/ 15%); border-radius: 16px;\" src=\"https:\/\/www.99.co\/property-value-widget?contentSource=insider-blog&amp;contentId=hdb-sales-proceeds-guide\" width=\"350\" height=\"370\" scrolling=\"no\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/span><\/iframe><\/p>\n<h2 id=\"prerequisites-before-selling-your-hdb-flat\">Prerequisites before selling your HDB flat<\/h2>\n<p><span style=\"font-weight: 400;\">As with most other property-related transactions in Singapore, the first step prior to selling your flat is checking if you meet the eligibility criteria. Check the following before listing your flat for sale:<\/span><\/p>\n<h3>1. Minimum Occupation Period (MOP)<\/h3>\n<p>The <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-minimum-occupation-period-mop\/\">Minimum Occupation Period (MOP)<\/a> dictates how long you must occupy your flat before you are eligible to sell it. For most resale flats purchased from the open market, or <a href=\"https:\/\/www.99.co\/singapore\/hdb\/bto\" target=\"_blank\" rel=\"noopener\">Build-To-Order (BTO) flats<\/a> bought from HDB on or after 11 May 2010, the MOP is 5 years. Always verify your specific MOP through the HDB Flat Portal. You can sell your HDB flat only when the MOP is complete.<\/p>\n<h3 id=\"ethnic-integration-policy-eip-and-singapore-permanent-resident-spr-quota\">2. Ethnic Integration Policy (EIP) and Singapore Permanent Resident (SPR) quota<\/h3>\n<p>The <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-ethnic-integration-policy-eip\/\">Ethnic Integration Policy (EIP)<\/a> helps maintain social cohesion by setting ethnic quotas for HDB estates. The Singapore Permanent Resident (SPR) quota regulates the number of non-citizens in a neighbourhood. These policies are designed to maintain a balanced ethnic mix within HDB estates.<\/p>\n<p>For sellers, this means that the pool of eligible buyers for their flat may be limited based on the existing ethnic proportions in their block and neighbourhood.<\/p>\n<p>Here are several scenarios illustrating how the Ethnic Integration Policy (EIP) and Singapore Permanent Resident (SPR) quota can affect the sale of an HDB flat:<\/p>\n<h4>Scenario 1: No EIP or SPR restrictions<\/h4>\n<p><strong>Seller:<\/strong> Malay<br \/>\n<strong>Buyer:<\/strong> Malay<br \/>\n<strong>EIP Quota:<\/strong> Malay quota is not full<br \/>\n<strong>SPR Quota:<\/strong> Buyer is Singapore Citizen<br \/>\n<strong>Outcome:<\/strong> Sale can proceed<\/p>\n<hr \/>\n<h4>Scenario 2: No sale due to EIP restrictions<\/h4>\n<p><strong>Seller:<\/strong> Indian<br \/>\n<strong>Buyer:<\/strong> Indian<br \/>\n<strong>EIP Quota:<\/strong> Indian quota is full<br \/>\n<strong>SPR Quota:<\/strong> Not applicable<br \/>\n<strong>Outcome:<\/strong> Sale cannot proceed. Seller must find a buyer from a different ethnic group with available quota. So, if the Chinese quota has available slots, then the seller must find a buyer within the Chinese community<\/p>\n<hr \/>\n<h4>Scenario 3: No sale due to SPR quota restrictions<\/h4>\n<p><strong>Seller:<\/strong> Chinese<br \/>\n<strong>Buyer:<\/strong> PR Couple (both buyers are PRs)<br \/>\n<strong>EIP Quota:<\/strong> Chinese quota is not full<br \/>\n<strong>SPR Quota:<\/strong> SPR quota is full<br \/>\n<strong>Outcome:<\/strong> Sale cannot proceed. Only households with at least one Singapore Citizen can purchase the flat<\/p>\n<hr \/>\n<h4>Scenario 4: When both EIP and SPR quotas are both full<\/h4>\n<p><strong>Seller:<\/strong> Malay<br \/>\n<strong>Buyer:<\/strong> PR Couple (Indian ethnicity)<br \/>\n<strong>EIP Quota:<\/strong> Indian quota is full<br \/>\n<strong>SPR Quota:<\/strong> SPR quota has available slots<br \/>\n<strong>Outcome:<\/strong> Sale cannot proceed. Buyer does not meet the EIP requirement despite meeting the SPR quota<\/p>\n<hr \/>\n<h4>Scenario 5: Successful sale scenario!<\/h4>\n<p><strong>Seller:<\/strong> Indian<br \/>\n<strong>Buyer:<\/strong> Singaporean Malay<br \/>\n<strong>EIP Quota:<\/strong> Malay quota has available slots<br \/>\n<strong>SPR Quota:<\/strong> Not applicable<br \/>\n<strong>Outcome:<\/strong> Sale can proceed<\/p>\n<hr \/>\n<h4>Scenario 6: When EIP restrictions are applicable after monthly HDB update<\/h4>\n<p><strong>Seller:<\/strong> Chinese<br \/>\n<strong>Buyer:<\/strong> Chinese<br \/>\n<strong>EIP quota (at the time of agreement):<\/strong> Chinese quota has available slots<br \/>\n<strong>EIP quota (after monthly update):<\/strong> Chinese quota is full<br \/>\n<strong>Outcome:<\/strong> Sale cannot proceed. EIP quotas are subject to monthly updates, which may affect transactions if the sale is not finalised before the new quota is applied<\/p>\n<hr \/>\n<p>It is essential to check the current EIP and SPR quota via the <a href=\"https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/plan-source-and-contract\/planning-considerations\/eip-spr-quota#:~:text=About%20the%20SPR%20quota&amp;text=Non%2DMalaysian%20SPR%20households%20applying,%25)%20and%20neighbourhood%20(5%25).\" target=\"_blank\" rel=\"noopener\">HDB portal<\/a> when registering your <a href=\"https:\/\/www.hdb.gov.sg\/residential\/selling-a-flat\/plan-source-and-contract\/intent-to-sell\" target=\"_blank\" rel=\"noopener\">Intent to Sell<\/a> (explained below). These quotas are updated regularly and must be met before proceeding with the sale.<\/p>\n<div style=\"border: 2px solid #000000; padding: 10px; margin-bottom: 20px;\"><em>Read more: <a href=\"https:\/\/www.99.co\/singapore\/insider\/can-pr-buy-hdb-resale-flat\/\">Can SPRs buy HDB flats in Singapore?<\/a><\/em><\/div>\n<h3 id=\"special-circumstances\">3. Rules and regulations for special circumstances<\/h3>\n<p>Selling an HDB flat under special circumstances, such as <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-flat-divorce-separation\/\">divorce<\/a> or <a href=\"https:\/\/www.99.co\/singapore\/glossary\/bankruptcy\/\">bankruptcy<\/a>, involves additional complexities and requires strict adherence to specific rules and regulations.<\/p>\n<p>If you are undergoing a divorce, the division of matrimonial assets, including your HDB flat, must be addressed in your divorce proceedings. The court may order the sale of the flat and the division of the proceeds between the parties. You will need to provide HDB with a copy of the court order to facilitate the sale. In cases where there are children involved, the court may also stipulate specific arrangements regarding housing.<\/p>\n<p>For individuals facing bankruptcy, the sale of an HDB flat is subject to the <a href=\"https:\/\/io.mlaw.gov.sg\/files\/linkclick157c.pdf\" target=\"_blank\" rel=\"noopener\">Official Assignee&#8217;s<\/a> (OA) approval. The OA will assess the situation and determine if the sale is necessary to satisfy outstanding debts. If approved, the OA will oversee the sale process and distribute the proceeds according to the relevant bankruptcy laws. The OA may also impose conditions on the sale, such as requiring the flat to be sold at a market value to maximise returns for creditors.<\/p>\n<p>In both divorce and bankruptcy cases, it is highly recommended to seek legal advice and consult with HDB to understand the specific requirements and ensure compliance with all applicable regulations. Failure to do so can lead to legal complications and delays in the sale process.<\/p>\n<h3 id=\"intent-to-sell-and-option-to-purchase-otp\">4. Intent to Sell and Option to Purchase (OTP)<\/h3>\n<p>Before selling your flat, you must register your Intent to Sell on the HDB Flat Portal.\u00a0<span style=\"font-weight: 400;\">Your HDB Intent to Sell is valid for 12 months and must be valid when you are granting the <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-option-to-purchase-otp\/\" target=\"_blank\" rel=\"noopener\">Option to Purchase<\/a> (OTP) to your potential buyers. After you have registered your HDB Intent to Sell, you will be able to download a copy of the OTP and view your estimated sale proceeds.<\/span><\/p>\n    <section id=\"portal-widget-tab-panel-6a0d3aeddceba\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-6a0d3aeddceba\">\n                        <div class=\"row-title-widget\">\n                <div class=\"portal-widget-carousel-title-left\"><h4 class=\"portal-widget-title\">Available HDB resale flats<\/h4><\/div>\n                <div class=\"portal-widget-carousel-title-right text-right\"><span class=\"portal-widget-see-all-link link-top\"><a href=\"\" class=\"nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/hdb?utm_source=blog&utm_medium=widget\">See all listings<\/a><\/span><\/div>\n            <\/div>\n                        <div class=\"portal-widget-carousel swiper-wrapper\">\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/qFMvnLDWjxQgqq3EAwkZaD?text=Jasmine+Lau&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=0b3da5d25d7f04e6890688d19d8fac4d93dd3b45\" alt=\"Park Villas Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Park Villas<\/div>\n                            <div class=\"card-text card-subtitle\">Pk Villas Terrace \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>5<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>6<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,614 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 3,088,888<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/park-villas-terrace-landed-EeABLE7y5noLGp7sGJ4SGq?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/UNiY5v2kkefYnjEvbUHqbc?text=Joanne+Eng&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=eb02bdae5e865aa5e0011d058cd23bfd4b86e54b\" alt=\"178 Woodlands Street 13 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">178 Woodlands Street 13<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 730178 \u00b7 D25<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>1<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,302 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 638,888<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/178-woodlands-street-13-hdb-dZe46ENZPgKB2CFkLCpQEJ?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/QePMVt4nCHcZSDFEapyTR9?text=Eric+Choy+82228903&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=18f8f0bcdd41aab89664c1742d3bee19b78bb61c\" alt=\"Eastvale Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Eastvale<\/div>\n                            <div class=\"card-text card-subtitle\">35 Pasir Ris Dr 3 \u00b7 D18<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,098 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,278,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/eastvale-condo-92GRWLPVZRefFmSoYJoPny?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/ATcjAe89wmrNdEdrsrxBD3?text=Alex+Ang&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=214c64875f59c44257f2ccbd4fdecefc868964bb\" alt=\"539 Bukit Panjang Ring Road Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">539 Bukit Panjang Ring Road<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 670539 \u00b7 D23<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,076 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 590,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/539-bukit-panjang-ring-road-hdb-MqKHqzTLN8sWe7UVQmd3pc?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/ndxSpvqxYoYH3UqWN57myh?text=Faris+Malik&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=33c9d80a299fe3cad736a13513d965863f2792dc\" alt=\"419B Northshore Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">419B Northshore Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 822419 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>721 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 599,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/419b-northshore-drive-hdb-FXLtMpLxKJiCZDkmPKSJcD?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/rK3JGFKEzZCrW9bk2W6bJb?text=Chin+Wei+Sei+%28Ally%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=838ba37a85fe00bff374a78dff60594875e5e42e\" alt=\"434 Hougang Avenue 8 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">434 Hougang Avenue 8<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 530434 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,109 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 699,999<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/434-hougang-avenue-8-hdb-2Y6kzm9VeikhSwNLP7aAzs?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/VgzBFnCXwxdrCHaGzFrs25?text=Izaac+Fong&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=9e343f456f4fa88a7badc809a6943568285aff38\" alt=\"Hilltops Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Hilltops<\/div>\n                            <div class=\"card-text card-subtitle\">99 Cairnhill Circle \u00b7 D9<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,550 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 5,000,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/hilltops-condo-TLb2Lp8skRfpCNjxARnkbq?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/nt9yxD9xFkDxaTEzhg2YXL?text=Jackson+B.&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=98e755e0daf964da4600db80264ca36cdf724d01\" alt=\"AMO Residence Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">AMO Residence<\/div>\n                            <div class=\"card-text card-subtitle\">23 Ang Mo Kio Rise \u00b7 D20<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,141 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 2,779,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/amo-residence-condo-nPZVFqgJZ6egYtH47aWvR6?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/3yhLW28GjReym4HpSVHBQM?text=Evon+Tan&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=9a312ea22abd965d5ca3c462b146f14ea5fa76c3\" alt=\"Watermark Robertson Quay Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Watermark Robertson Quay<\/div>\n                            <div class=\"card-text card-subtitle\">3 Rodyk St \u00b7 D9<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,733 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 4,200,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/watermark-robertson-quay-condo-V6iYLh6iksm6cwz3u7YmEk?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/z6J3kEj9caGjGGTMixGQok?text=Ethan+Goh&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=2610f19d365ac5ba26c3de63aa09dadd8082b662\" alt=\"907 Jurong West Street 91 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">907 Jurong West Street 91<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 640907 \u00b7 D22<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,163 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 508,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/907-jurong-west-street-91-hdb-bQNEvdKCMfuijm8oP6WqSc?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <!-- Add Arrows -->\n            <div class=\"swiper-button-next\"><\/div>\n            <div class=\"swiper-button-prev\"><\/div>\n                    <\/div>\n    <\/section>\n\n<p>&nbsp;<\/p>\n<h2 id=\"breakdown-of-deductions\">Breakdown of deductions<\/h2>\n<p>When calculating your sales proceeds, you need to take into account any outstanding loans, mortgages, and the CPF funds. Let&#8217;s break down all of these below:<\/p>\n<h3 id=\"outstanding-home-loan-deduction\">1. Outstanding home loan deduction<\/h3>\n<p>Any remaining balance on your home loan will be deducted from the sale price. This applies to both HDB loans and bank loans. For example, if your sale price is S$500,000 and your outstanding loan is S$150,000, your balance for further deductions will be S$350,000. If the outstanding loan exceeds the sale price, the shortfall must be paid in cash.<\/p>\n<h3 id=\"cpf-refunds-with-accrued-interest\">2. CPF refunds with accrued interest<\/h3>\n<p><span style=\"font-weight: 400;\">Any CPF funds used to finance your flat must be returned to your CPF Ordinary Account (OA) \u2014 with accrued interest. This includes the down payment, monthly mortgage payments, and housing grants.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s say you\u2019ve used S$200,000 of CPF funds, and the accrued interest amounts to S$50,000. That\u2019s S$250,000 that must be refunded to your CPF account from the sales proceeds. If the remaining proceeds aren\u2019t enough to cover this amount, you won&#8217;t need to top up the shortfall in cash \u2014 but there&#8217;ll be fewer funds available for your next home purchase.<\/span><\/p>\n<div style=\"border: 2px solid #000000; padding: 10px; margin-bottom: 20px;\"><em>Read more: <a href=\"https:\/\/www.99.co\/singapore\/insider\/9-must-know-things-about-using-cpf-to-buy-a-house\/\">Things to know before using your CPF fund to buy a HDB flat<\/a><\/em><\/div>\n<h3 id=\"agent-fees-and-other-deductions\">3. Agent fees and other deductions<\/h3>\n<p>At 99.co, <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-agent-commission\/\">agent commissions<\/a> typically range around 2% of the sale price. Additional deductions include legal fees, property taxes, and service and conservancy charges up to the completion date.<\/p>\n<h2 id=\"cash-proceeds-calculation-example\">HDB sales proceeds calculation example<\/h2>\n<p><span style=\"font-weight: 400;\">Here\u2019s how your estimated cash proceeds might look after all the deductions. Please note this is just an illustrative example:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<th style=\"text-align: left;\">Description<\/th>\n<th style=\"text-align: right;\">Amount<\/th>\n<\/tr>\n<tr>\n<td>Flat sale price (HDB Valuation)<\/td>\n<td style=\"text-align: right;\">S$500,000<\/td>\n<\/tr>\n<tr>\n<td>Outstanding home loan<\/td>\n<td style=\"text-align: right;\">-S$150,000<\/td>\n<\/tr>\n<tr>\n<td>CPF refund with accrued interest<\/td>\n<td style=\"text-align: right;\">-S$250,000<\/td>\n<\/tr>\n<tr>\n<td>Agent fees (2%)<\/td>\n<td style=\"text-align: right;\">-S$10,000<\/td>\n<\/tr>\n<tr>\n<td>Other fees<\/td>\n<td style=\"text-align: right;\">-S$5,000<\/td>\n<\/tr>\n<tr>\n<td>Estimated cash proceeds<\/td>\n<td style=\"text-align: right;\">S$40,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"cash-over-valuation-cov\">Cash Over Valuation (COV)<\/h2>\n<p><a href=\"https:\/\/www.99.co\/singapore\/insider\/cash-over-valuation-cov-hdb\/\">Cash-Over-Valuation (COV)<\/a> is the difference between the agreed-upon sale price of your HDB flat and its official HDB valuation. This amount is paid by the buyer directly to you in cash. It&#8217;s important to understand that COV is a separate component from the overall sales proceeds and directly impacts the amount of cash you receive.<\/p>\n<p><strong>Taking the example above:<\/strong> Let&#8217;s say you sell your flat for S$550,000, and the HDB valuation is S$500,000. The COV in this scenario is S$50,000.<\/p>\n<p>This S$50,000 is paid directly to you in cash, in addition to the other sales proceeds. Therefore, the COV effectively increases the total cash you receive from the sale.<\/p>\n<p>However, it&#8217;s crucial to note that the HDB valuation is only revealed after the buyer exercises the Option to Purchase (OTP). This means you cannot accurately predict the COV amount until this stage.<\/p>\n<div style=\"border: 2px solid #000000; padding: 10px; margin-bottom: 20px;\">\n<p><strong>\ud83d\udca1Important note:<\/strong><br \/>\nMarket conditions and the buyer&#8217;s willingness to pay above valuation play significant roles in determining the COV. In a hot market, buyers may be more willing to pay a higher COV to secure a desirable property. Conversely, in a buyer&#8217;s market, the COV may be minimal or non-existent.<\/p>\n<p>So, while COV can boost your final cash proceeds, it&#8217;s not a guaranteed amount and should be considered a potential bonus rather than a fixed component of your sales proceeds.<\/p>\n<\/div>\n<h2 id=\"receiving-your-sales-proceeds\">Receiving your HDB sales proceeds<\/h2>\n<p>The cash portion of your sales proceeds is disbursed via cashier\u2019s order on the completion day. CPF refunds are typically processed within two to three weeks after the sale completion.<\/p>\n<p>While selling at a profit is desirable, deductions can significantly reduce your final cash proceeds. It is essential to calculate your estimated proceeds thoroughly and seek advice from experienced <a href=\"https:\/\/www.99.co\/singapore\/insider\/real-estate-industry\/agent-success-stories\/\">property agents<\/a> before making a decision.<\/p>\n<h2 id=\"using-your-proceeds-for-your-next-home\">Using your HDB sales proceeds for your next home<\/h2>\n<p>Your sales proceeds from your HDB flat can play a significant role in <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-second-timers-before-sell\/\">financing your next HDB property purchase<\/a>. These funds can be utilised for the down payment, reducing the overall loan amount required, or to cover other cash components associated with the purchase.<\/p>\n<p>Let&#8217;s understand how these proceeds can be effectively channelled into your new home:<\/p>\n<h3>1. Enhanced Contra Facility<\/h3>\n<p>For those purchasing another HDB resale flat, the Enhanced Contra Facility offers a streamlined approach to financial management. This facility allows for the direct transfer of your CPF refunds and cash proceeds from the sale of your existing HDB flat to the purchase of your new resale flat.<\/p>\n<p>While the Contra Facility simplifies the transfer of funds, it does not cover all expenses. Specifically, CPF funds cannot be used to pay for stamp duty or legal fees, which must be covered separately.<\/p>\n<h3>2. Bridging loans<\/h3>\n<p>In situations where your next property purchase precedes the disbursement of your sales proceeds, a <a href=\"https:\/\/www.99.co\/singapore\/insider\/what-singapore-property-buyers-need-to-know-about-bridging-loans\/\">bridging loan<\/a> may be necessary. This type of loan provides temporary financing to cover the gap between your purchase and the receipt of your sales proceeds.<\/p>\n<p>Do note that bridging loans come with interest charges, and you&#8217;ll need to factor these costs into your overall financial planning. Also, be sure to chart a clear plan for repaying the loan once your sales proceeds are received to avoid financial struggles.<\/p>\n<h2 id=\"partner-with-99co\">How 99.co simplifies your HDB resale<\/h2>\n<p>Understanding your HDB sales proceeds is just the first step in a successful property transaction. To truly maximise your resale potential, you need to reach the widest possible audience of qualified buyers. This is where <a href=\"https:\/\/www.99.co\/owner\">99.co&#8217;s Owner Listings<\/a> service becomes invaluable.<\/p>\n<p>By listing your property directly on our platform, you immediately reach out to 15,000+ active real estate agents across Singapore. Each of these agents has their own network of potential buyers. This significantly increases your chances of securing a swift and profitable sale.<\/p>\n<p>Notably, over 50% of enquiries on our Owner Listings come from agents with ready buyers and tenants. While you have the option to decline agent commissions during listing, remember that collaboration with these professionals often accelerates the sales process and helps you achieve the best possible price.<\/p>\n<p>At 99.co, we provide you with the tools and exposure necessary to navigate the HDB resale market with confidence; without the risks associated with unverified platforms. List your HDB property on 99.co today and experience a smoother, more efficient path to a successful sale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selling your HDB flat is a significant financial step, and understanding the HDB sales proceeds is crucial. It&#8217;s not just about selling high and pocketing the difference.\u00a0 Several factors influence your final sales proceeds. Selling your HDB flat is rarely as simple as listing it and waiting for the right buyer \u2014 especially those with&hellip;<\/p>\n","protected":false},"author":17,"featured_media":83118,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"no","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53631,53643],"tags":[53644,59328,59327],"persona":[57125,57127,57128],"class_list":{"2":"type-post","15":"entry","16":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HDB Sales Proceeds Guide and Calculation<\/title>\n<meta name=\"description\" content=\"Selling your HDB flat but wondering how much you can earn? 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