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Sell · Tool 10
Sales proceeds waterfall
Loan, fees, SSD and CPF accrued refund separated from the final cash result.
Decision questionWhat actually becomes usable cash after the sale?
Rules reviewed10 Aug 2026CPF basis
02 · Primary answerPasses entered checks
Estimated cash after sale
S$882,627Property proceeds after loan, sale costs, SSD and the CPF principal-plus-accrued-interest refund.CPF requiredS$255,133
CPF restored from proceedsS$255,133
Cash before CPFS$1,137,760
Decision shaperelative scale
NAVARO read
Net cash—not the selling price—is the usable budget for the next property.
03 · Calculation trail
See the number being built.
The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.
01Sale priceS$1,800,000
02Less outstanding loan−S$620,000
03Less salesperson fee + GST−S$39,240
04Less legal allowance−S$3,000
05Less SSD · 0%S$0
06Less CPF restored from available proceeds−S$255,133
07Estimated cash after saleS$882,627