1. What is actually available after the sale?
Start with your expected selling price, outstanding housing loan, selling costs, and CPF refund amount. Keep cash and CPF separate in your worksheet. A headline sale price is not the amount you can spend on the next home. Check your own CPF housing dashboard for the figures relevant to you.
2. What will the move cost?
Create a list of purchase and moving costs to verify: down payment, applicable stamp duties, legal fees, renovation, furnishings, and temporary accommodation if needed. Ask your lender and conveyancing professional to confirm your financing and transaction requirements before committing.
3. What will everyday life look like afterwards?
Put the new monthly housing commitment next to your household spending and other goals. Consider maintenance, insurance, and room for unexpected expenses. Try a scenario with lower income or higher repayments. This is a planning exercise, not a borrowing eligibility assessment.