Clarry vs Andy

HDB Asset Progression Comparison

Clarry Au PDF
Andy Excel
Source
Clarry PDF + Andy Worksheet • Mar 2026

Sell your flat first

Start here: what you get from selling 463A Bukit Batok West Ave 8 #13-29 (Roy & Binbin). Steps 1–4 below; then scroll down to compare what you can buy.

Live · Your numbers
Step 1
You sell your flat — the money gets split
Buyer pays one price. Loan, CPF refund, and legal come off first — cash left lands in your bank; CPF refund goes to your OA (Step 2).

Comes off the sale

CPF refund → OA · not your bank

Cash in bank 329,570

Spendable cash — CPF lands in OA (Step 2)

Step 2
You now have two wallets for the next flat
Bank (cash)
329,570
CPF OA
157,430
Roy + Binbin spending power: 487,000
Step 3
Buying the new flat — each wallet pays its share
Some costs must be cash (e.g. part of down payment, stamp duty, fees). The rest can come from CPF OA, up to limits.
Paid from bank
−92,500
5% down payment, stamp duty, legal — amounts you typically cannot cover fully with CPF.
Paid from CPF OA
−384,100
Remaining down payment + CPF earmarked for the new flat purchase.
Step 4
What's left after you buy — your cushion
If either wallet goes negative, you don't have enough — you'd need more savings, a smaller flat, or different financing.
Cash you won't use on the flat
Kept invested, not for upfront
Cash free after buying
237,070
For renovations, emergency fund, living expenses
CPF OA left
24,185
Buffer in CPF for future installments / rules

Then — what can you buy?

After your sale (above), compare purchase paths: Clarry PDF (sole HDB, joint HDB, condo), Andy Excel (5-room), and your 5-Room / Condo sandboxes. Table reads sell → wallet → buy top to bottom.

Scenarios · Saved on this device
5 Your wallet after the sale

Add cash & CPF on top of sale proceeds

Sale money is Step 1 above. Here add extra savings, existing OA, and set-asides — the compare table rolls this into Everything you can spend before each purchase column.

Roy
Beyond sale proceeds
Binbin
Beyond sale proceeds
Total cash available
329,570
Sale cash + extra savings
Total CPF OA available
451,285
Refund + existing OA + CPFIS

Cash you'll set aside

Earmark cash for renovation or investments before buying — reduces what Custom can put toward the flat. Shown in the comparison table under cushions.

6 Compare each purchase path

HDB, EC, or condo — side by side

Clarry and Andy columns are frozen from the source PDF/worksheet. 5-Room and Condo use your sale wallet — pick property type per column in the table to set fees & growth. Read selling your flat rows first, then buying rows.

Read sell → wallet → buy top to bottom. Columns HDB → condo (left to right). Hover row names (e.g. Loan details) for MAS/HDB rules · double-click numbers to trace.

Your bank offer

HDB bank loans are capped at 25 years (HDB/MAS). Private/EC can go to 30–35 years per MAS age rules. Apply updates 5-Room & Condo sandbox columns only.

Table wider than screen — click and hold, then drag left or right to pan (hand cursor). Right-click drag works too.

Illustration only — not financial or tax advice. Columns trace Clarry Au PDF and Andy Excel only. LTV defaults 75% where sources imply it — actual LTV can be lower (age, tenure, MSR/TDSR). Appreciation % are rough guesses. ABSD defaults to 0% (sell-then-buy, SC first home). Verify with HDB, CPF, bank, and your agents.
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For illustration & educational purposes only. Always verify with HDB, CPF, your bank, and a licensed advisor.
Data: Clarry Au PDF + Andy Excel • Mar 2026