Dated 2023 market analysis. Transaction patterns, prices, financing and replacement-home costs have since changed.
A current seller decision needs more than a price peak
- Confirm matched recent transactions for the exact property type and location.
- Calculate net proceeds after loans, CPF refunds, fees and taxes.
- Price the replacement home and interim housing before selling.
- Stress-test timing, interest rates and the risk of buying back into the same market.
- Align the move with family and portfolio objectives.
A paper gain is not the same as an improved financial position. Rebuild the numbers with current evidence before deciding to cash out.