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Am I Ready to Upgrade?

A few quick questions about your MOP status, buyers, and target property — for an indicative loan quantum and affordability check. Takes about 2 minutes.

Step 1 · MOP Status

We'll work out if you've cleared your Minimum Occupation Period (5 years standard, 10 years for Prime Location Public Housing).

Step 2 · Who's Buying

Age affects your maximum loan tenure and LTV — we'll average it across all buyers.

Step 3 · Your Upgrade Plan

Sell-first avoids ABSD entirely. Buy-first means paying ABSD upfront (refundable if you sell your HDB within 6 months) — see our How to Upgrade guide for the full mechanics.

Step 4 · Household Income

Combined income of all borrowers, before CPF/tax deductions.

Step 5 · Existing Commitments
Indicative Loan Quantum
Enter a property price above to see this
MOP Status
Buyers / Average Age
Max Loan Tenure Supported
Estimated Monthly Instalment
Affordability Check (TDSR 55%)
Est. Cash/CPF Needed Upfront
ABSD Exposure
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