Upgrading isn't a leap of faith — it's four numbers: what your flat sells for, what you can borrow, what ABSD you'll wear, and when. Run the 60-second check below and see where you actually stand.
Indicative only — based on prevailing LTV, ABSD, MSR and TDSR rules. Your exact numbers depend on valuation, loan tenure and CPF usage; that's what the full consultation models.
No ABSD, full sale proceeds in hand, clean loan quantum. The cost: you need somewhere to live in between — and the market can move while you wait. Right when cashflow is tight or the market is soft.
Secure the next home before letting go of the flat. You front 20% ABSD (remission possible for married couples who sell within 6 months) and carry two loans briefly. Right when the target is scarce and your holding power is real.
Why it matters to an upgrader: flagged flats show you what buyers in your town are being offered — and what your own flat is competing against this week.