Calculate net cash in hand from selling an HDB flat or condo after outstanding loan payoff, CPF accrued interest refund, resale levy, and agent commissions.
Free cash available to deploy or invest after all obligations are settled.
Net\ Cash\ Proceeds = Selling\ Price - Outstanding\ Mortgage - CPF\ Refund - Resale\ Levy - Agent\ Fee - Legal\ Fee \\
CPF\ Refund = Principal\ Withdrawn + Accrued\ Interest\ (2.5\%\ Compound)The gross sale price pays off the outstanding mortgage first, followed by mandatory refund of all CPF OA savings withdrawn plus 2.5% compounded accrued interest back to your CPF OA. Deducting the resale levy, agent commission (+9% GST), and conveyancing legal fees yields the actual cash in hand.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
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