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 your current home — loan cleared, CPF refunded, cash in the bank. 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
The buyer pays one price. From that pot, you clear the loan, refund CPF, pay fees — then whatever's left lands in your bank.
Sale price
→ −211,000 Goes to the bank, not to you.
→ −157,430 Leaves the sale, but credits your CPF Ordinary Account (not your bank).
→ −2,000 Paid from sale in cash.
→ 329,570 This is your cash after the sale.
You used CPF to buy this flat. On sale, Singapore rules require you to repay CPF (plus interest) from the proceeds. That money doesn't vanish — it moves into your CPF OA wallet, ready for your next flat. It's the same dollars, not a bonus.
Step 2
You now have two wallets for the next flat
Cash and CPF are separate. You can't pay everything from one pocket — HDB rules decide which costs come from where.
Bank (cash)
329,570
From sale, after loan + CPF refund + fees
CPF OA
157,430
Refunded from sale (Owner 1 + Owner 2 CPF)
Combined spending power: 487,000 (cash + CPF — not all cash!)
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.

Owner 1
Andy Excel · Ray / Yiwei
Beyond sale proceeds
Owner 2
Andy Excel · 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