SINGAPORE PROPERTY • SELL • BUY • UPGRADE

PROPERTY DECISIONS,
MADE CLEARER.

We help Singapore homeowners understand their numbers, explore their options and make their next property move with confidence.

◎Personalised
Advice
▥Data-Driven
Insights
◇Honest
Guidance
↗Results That
Matter

WHERE ARE YOU IN YOUR PROPERTY JOURNEY?

SINGAPORE PROPERTY MARKET UPDATES

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LATEST HDB RESALE SIGNALS

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PROPERTY NEWS

Latest Singapore property headlines

Official housing and property updates, refreshed on the 1st and 15th of each month.

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SELL SMARTER

Your selling price is only half the story.

Before you list, understand how much you may actually walk away with after your outstanding loan, CPF refund, legal fees and other costs.

01

Estimated sale proceeds

Map out the cash and CPF flow before you accept an offer.

02

Pricing strategy

Position your home using recent transactions, competition and buyer demand.

03

Timeline planning

Coordinate selling, buying and completion dates with fewer surprises.

UPGRADE WITH CLARITY

Can you upgrade?
Let the numbers answer.

We pressure-test your next move using estimated sale proceeds, CPF, loan capacity, taxes, monthly instalments and a sensible cash buffer.

Map Out My Upgrade →

RECENT LISTINGS

Fresh from our property listings

The latest six opportunities from Syahid’s PropNex inventory, refreshed twice monthly.

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FREE DOWNLOAD

The HDB Seller Guide

Everything you need to know before selling your HDB.

  • Timeline & process
  • Costs & fees
  • Sale proceeds
  • Upgrading options
Request Guide →
THE HDBSELLER
GUIDE
SYADUOHOMES

INTERACTIVE HDB CALCULATOR

Estimate your sale proceeds

Adjust the figures below. Your estimated cash and CPF breakdown updates instantly.

1
Expected selling priceUse your likely sale price, not the asking price.
2
Amounts returned or repaidCheck your latest loan and CPF figures for a better estimate.
3
Estimated selling expensesEvery figure remains editable.

The calculator automatically adds 9% GST to the agency commission entered above.

ESTIMATED CASH PROCEEDS$301,150

Based on the figures entered above.

CashCPF refundLoan & costs
Sale price
$750,000
Less outstanding loan
− $250,000
Less CPF refund
− $180,000
Agency commission before GST
− $15,000
GST on agency commission (9%)
− $1,350
Other selling costs
− $2,500
Estimated cash proceeds
$301,150
CPF returned$180,000
Total estimated sale expenses$18,850
Review My Numbers on WhatsApp → Illustrative estimate only. Actual cash proceeds depend on your loan redemption amount, CPF refund, transaction expenses and completion statement.

LET'S TALK

Have questions about your next property move?

We're here to help you understand the numbers and your options.

WhatsApp Us →
Call / WhatsApp
+65 9223 1005

INTERACTIVE HDB BUYING PLANNER

See the money and milestones before you buy.

Choose your buying route, adjust your figures and see an indicative timeline with the funds you may need to prepare.

FINANCIAL AFFORDABILITY ESTIMATOR

How much HDB could you potentially afford?

Enter your household details to compare an indicative HDB loan, bank loan and possible CPF housing grants.

Estimate only — confirm through HFE / bank IPA

The estimate uses up to 30% of gross monthly income for the housing instalment. It does not assess credit history, age, existing debts, remaining lease or bank-specific criteria.

INDICATIVE MAXIMUM PURCHASE BUDGET$706,000Using the higher of the two indicative financing routes
Estimated HDB loan—Monthly instalment: —
Estimated bank loan—Monthly instalment: —

Potential CPF housing grants

Enhanced CPF Housing Grant
$0
CPF Housing Grant for resale flat
$0
Proximity Housing Grant
$0
Other confirmed grant / special scheme
$0
Total estimated grants
$0

Grant eligibility is assessed by HDB through the HFE application.

CPF + cash entered$150,000Monthly housing cap used$2,400

Your buying plan

ABSD depends on buyer profile and property ownership. It is set to 0% for a Singapore Citizen buying a first residential property; change it if your situation differs.

Estimated funds to prepare$179,100Downpayment plus estimated duties and costs
Indicative downpayment (25%)
$162,500
Buyer’s Stamp Duty
$14,100
Additional Buyer’s Stamp Duty
$0
Legal and administrative costs
$2,500
OTP deposit — included in price
Up to $5,000

The resale OTP deposit forms part of the purchase price and is not added again to the total.

Review My Buying Plan on WhatsApp →
ESTIMATED KEY DATE—
INDICATIVE JOURNEY—

    Planning estimate only. Actual eligibility, grants, loan amount, valuation, stamp duties, fees and appointment dates depend on your circumstances and the prevailing requirements of HDB, CPF, IRAS and your financier.

    WHAT OUR CLIENTS SAY

    MEET SYADUOHOMES

    Two advisers. One clear approach.

    Syaduohomes combines practical market knowledge, careful financial planning and personal guidance to help homeowners make their next move with confidence.

    SELLING • BUYING • UPGRADINGProperty guidance built around your numbers and priorities.
    Start a Conversation →

    OUR MILESTONES

    A journey built on trust and consistency.

    Gold Achiever milestones from 2023 to 2026, made possible by the clients, friends and families who placed their trust in us.

    Syahid Masnor Gold Achiever award, November 2023
    Syahid Masnor
    Syahid Masnor Gold Achiever award, January 2024
    Syahid Masnor
    Syahid Masnor Gold Achiever award, April 2024
    Syahid Masnor
    Syafique Abu Bakar Gold Achiever award, May 2025
    Syafique Abu Bakar
    Syahid Masnor Gold Achiever award, June 2025
    Syahid Masnor
    Syafique Abu Bakar Gold Achiever award, June 2025
    Syafique Abu Bakar
    Syahid Masnor Gold Achiever award, March 2026
    Syahid Masnor
    Syafique Abu Bakar Gold Achiever award, May 2026
    Syafique Abu Bakar
    LATEST
    Syahid Masnor Gold Achiever award, July 2026
    Syahid Masnor

    CONTACT

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