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Services
Selling with Elegant Confidence
Property Selling and Upgrading Checklist
For current homeowners planning to sell their property in Singapore
1 | Financial Planning & Preparation
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Assess total funds available (cash, CPF OA, and sale proceeds from current property).
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Check loan eligibility with a banker or mortgage broker — consider TDSR and LTV limits.
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Review outstanding home loan and plan timing for full redemption or discharge.
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Understand the Additional Buyer’s Stamp Duty (ABSD) and how to avoid or minimize it.
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Include renovation, legal fees, and moving costs in your budget.
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Decide if you need a bridging loan to cover short-term cashflow gap.
2 | Property Search & Shortlisting
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Identify your purpose — own stay, upgrading, or right-sizing.
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List must-have features: location, schools, transport, facilities, layout, facing, etc.
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Compare new launches vs resale projects (price, size, completion date, maintenance fees).
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Check developer reputation or condo management quality.
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View shortlisted units physically to assess ventilation, noise, and light.
3 | Selling-To-Buy Timeline for Planning
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Decide whether to sell first or buy first — understand pros & cons with your agent.
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Coordinate sale completion with your next purchase timeline to avoid overlap.
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If buying first, secure approval for bridging or temporary financing.
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Request an extension of stay from buyer if you need time before moving into your next property.
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Plan temporary accommodation or interim rental if required.
4 | Purchase Process
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Appoint a conveyancing lawyer upon OTP exercise.
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Coordinate with the bank and lawyer for loan redemption & discharge.
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Sign sale documents and track completion timeline (usually 8–12 weeks).
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Confirm sales proceeds disbursement (cash + CPF refund).
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Settle utilities, property tax, and management fees before completion.
Frequently Asked Questions
💰 Financial & Affordability
📑 Regulations & Timeline
🏠 Property Choice & Lifestyle
🔧 Practical Considerations
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