UProperty.sg · Upgrader Planning · Bridging & Contra Clarity

Bridging & Contra Planning Calculator Singapore

When selling one property and buying another, the biggest risk is often not the final affordability. It is the temporary cash gap before sale proceeds, CPF refunds, loan disbursement and completion funds are available.

This calculator is for educational and indicative planning only. It does not determine HDB Enhanced Contra Facility approval, bridging loan approval, bank financing, CPF usage, stamp duty liability, legal completion timeline or property suitability. Always verify with HDB, CPF Board, banks, IRAS, lawyers and licensed property professionals where relevant.

Enter Your Bridging or Contra Scenario

1. Transaction Type

Planning scenario

Sequence strategy

Estimated completion gap / overlap months

2. Sale Property Position

Estimated selling price (S$)

Outstanding loan to redeem (S$)

CPF refund including accrued interest (S$)

Selling costs, legal and admin (S$)

Resale levy / other payable items, if any (S$)

Deposit / option money received (S$)

3. Purchase Property Requirement

Target purchase price (S$)

Estimated new loan amount (S$)

Option / exercise / booking cash needed (S$)

BSD / ABSD / stamp duties estimate (S$)

Legal, valuation and loan setup costs (S$)

CPF OA usable before sale refund (S$)

4. Cash Buffer & Interim Costs

Cash savings available now (S$)

CPF OA usable after sale refund (S$)

Monthly interim holding / moving cost (S$)

Renovation, moving and buffer costs (S$)

Minimum emergency reserve to keep (S$)

Indicative bridging cost rate (%)

Tip: For HDB-to-HDB resale transactions, check whether HDB Enhanced Contra Facility may be relevant. For HDB-to-private or private upgrading, focus on cash gap, bank financing, ABSD exposure, completion sequence and bridging risk.

Your Bridging & Contra Result

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Enter your numbers

Your result will show whether your transaction sequence appears smooth, manageable, tight or high risk.

Estimated Cash Sale Proceeds —

CPF Refund Amount —

Immediate Cash Available —

Immediate Purchase Need —

Interim Overlap Cost —

Temporary Funding Gap —

Indicative Bridging Cost —

Contra / Bridging Relevance —

This tool uses simplified assumptions. Verify HDB contra eligibility, CPF refund timing, bank loan approval, legal completion dates, BSD, ABSD and actual cash requirements before committing.

HDB-to-HDB: Enhanced Contra Facility may be relevant, but approval and conditions must be checked directly with HDB.

HDB-to-private: This is usually a cash-gap and financing sequence issue, not a standard HDB contra case.

Buy-first strategy: Usually carries higher exposure because purchase commitments may arise before sale proceeds are available.

Sell-first strategy: Usually reduces financing pressure, but may create temporary accommodation or moving-timeline issues.

Check HDB to Condo Upgrader Timeline Planner Check Holding Power Stress Test Singapore Check Sales Proceeds Calculator Singapore Check CPF Usage Calculator Singapore Check BSD & ABSD Calculator Singapore

Official references to check: HDB resale and Enhanced Contra Facility rules, CPF housing refund rules, IRAS stamp duties, MAS financing rules and your bank’s bridging loan requirements.