
HDB sellers & upgraders
Most HDB owners only sell once or twice in a lifetime. As an ERA Top 50 property agent since 2013, 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.
A defensible price band built from recent transactions in your block and estate, not a hopeful guess.
Principal withdrawn plus accrued interest returns to CPF. You see the full calculation in writing before listing.
Sell-first or buy-first sequencing so you are never exposed on housing, financing or ABSD timing.
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.
No obligation. Kaeden replies personally, usually the same day.