Most HDB owners only sell once or twice in a lifetime. As an ERA award-winning top 1% achiever real estate agent, Kaeden Ong has guided hundreds of flat owners through resale and upgrading — starting with the numbers that decide everything: your valuation band, outstanding loan, CPF refund with accrued interest and the cash you actually walk away with.
Free HDB valuation
A defensible price band built from recent transactions in your block and estate, not a hopeful guess.
CPF & proceeds clarity
Principal withdrawn plus accrued interest returns to CPF. You see the full calculation in writing before listing.
Upgrading without a gap
Sell-first or buy-first sequencing so you are never exposed on housing, financing or ABSD timing.
What makes selling an HDB flat different
HDB resale is governed by rules private property does not face: Minimum Occupation Period (MOP), ethnic integration policy quotas, resale levy for second-timers and CPF refund obligations. A generic agent may miss one of these and cost you tens of thousands. Kaeden checks every eligibility gate first, then prices your flat within the real transaction band for your block, storey and facing.
- — MOP, SPR ratio and EIP quota verification
- — Resale levy estimate if you took a CPF housing grant
- — CPF principal + accrued interest refund calculation
- — HDB valuation vs market asking price strategy
The HDB selling timeline most owners follow
Eligibility check
Confirm MOP, levy, CPF refund and HDB approval timeline.
Valuation & pricing
Benchmark recent block transactions and set a competitive asking price.
Marketing & viewings
Professional photos, portal listings and qualified buyer viewings.
OTP & completion
Option, HDB resale application, completion and handover.
Know your net cash proceeds before you list
The number that matters is not the asking price — it is what lands in your bank. Kaeden prepares a written proceeds estimate before any marketing starts: sale price minus outstanding loan, CPF refund with accrued interest, resale levy, agent commission, legal fees and stamp duty. You enter the sale knowing exactly what you can afford for your next home.
Example breakdown Kaeden provides:
- • Estimated sale price range
- • Outstanding HDB / bank loan balance
- • CPF principal + accrued interest refund
- • Resale levy (if applicable)
- • Commission, legal and miscellaneous costs
- • Net cash proceeds
Common mistakes HDB sellers make
Overpricing from the start
The first two weeks generate the most buyer interest. Price too high and the listing goes stale, forcing later price cuts that signal desperation.
Ignoring CPF accrued interest
Many owners forget the accrued interest on CPF used, then realise their cash proceeds are far lower than expected.
Wrong sell/buy sequence
Selling before buying leaves you homeless; buying before selling strains cash flow and ABSD deadlines. Kaeden models both.
Want the full step-by-step HDB selling guide?
Kaeden wrote a detailed guide covering eligibility, valuation, marketing and completion for HDB sellers in 2026.
Read the HDB selling guideQuestions owners ask
How much is my flat worth today? We benchmark against verified recent transactions in your block, adjust for floor, facing and condition, and give you a realistic range.
How much CPF must I refund? Everything you withdrew plus accrued interest. We calculate it up front so your cash proceeds are never a surprise.
Can I afford a condo after selling? We run affordability, loan eligibility and timeline before any marketing begins.
Read more about the full selling process, Kaeden's track record or get in touch directly.
Free HDB valuation
No obligation. Kaeden replies personally, usually the same day.
What clients say
"I am both awed by and thankful for Kaeden's impeccable attitude, commitment, dedication, responsiveness and counsel during the course of our long transaction which spanned several months for both our sale and purchase sides. He even went the extra mile for us on multiple occasions and should be highly commended for his work ethic and professionalism. I would definitely recommend him to anyone in search for a trusted and stellar partner."
Mr & Mrs Tan
Changi Rise
"Professional agent. Glad to meet him. Managed to sell for me at a good price and negotiate the best price for my purchase."
Eric
Bukit Batok 394
"Would like to compliment your agents Kaeden Ong and Dean Howard Wong for their professional presentation in Bellewaters and the terrace projects."
Lenz
Bellewaters
Testimonials shared directly by clients of Kaeden Ong 王天财, ERA Singapore.