Free Tools
Sell 1 Buy 2 Planner
Work out whether selling your current home and buying two properties, one in each name, is feasible for you, and how it compares with buying one property together. Every figure updates live as you type.
Stage 01
Sell your current property.
Start with what the sale actually puts back in your pocket, after the bank and CPF are repaid.
Sale result
CPF refunds go back into each person's own CPF Ordinary Account and can only be used for that person's own purchase.
Stage 02
Buyer profiles and loan capacity.
Each person is assessed on their own income, so the loan each can carry is what decides whether two purchases are possible.
Husband
Wife
Shared assumptions
Stage 03
Split the cash proceeds.
Cash from the sale is shared and can go either way. CPF stays with its owner and can only fund that owner's property.
Shared cash pool $523,840
Husband buying power
Wife buying power
Stage 04
Compare the two routes.
Option A puts one property in each name, so both stay first-time buyers at 0% ABSD. Option B pools everything into one home.
Option A, Buy 2
One property in each individual name.
Husband's property
AffordableWife's property
AffordableOption B, Buy 1
One property in combined names.
Joint property
AffordableRecommendation
Buy 2, one property in each name.
Both purchases clear on cash, CPF and loan capacity. Holding one property in each name keeps both of you first-time buyers, so ABSD is 0% on each. Buying a second property under one name instead would trigger 20% ABSD, roughly $180,000 on a $900,000 purchase.
Recommended
Buy 2
Combined budget
$2,000,000
ABSD payable
$0
Get in touch
Want Fendy to pressure-test these numbers for your exact situation?
Send your figures across and I will check them against current bank policy, real transacted prices and your CPF position. No obligation. You can also call 9388 5825.
Assumptions
Both buyers assumed Singapore Citizens buying their 1st residential property, 0% ABSD. Max 75% LTV, min 5% cash. Figures are indicative planning estimates, not a loan approval or tax advice. Confirm BSD on the IRAS calculator and loan eligibility with the bank.