Thinking of Upgrading Your HDB?
Don’t Agar-Agar.

Get the 5-in-1 Calculator That Shows You the Exact Numbers to Safely Afford Your Condo.

  • Find your True Maximum Loan (based on TDSR), not the bank's "best guess."

  • See the Exact Cash & CPF you'll get from your HDB sale.

  • Reveal the Total Upfront Cash you must have for downpayment, Buyer's Stamp Duty (BSD) & legal fees.

  • Map out your 6-Month Upgrading Timeline to avoid renting or paying ABSD.

100% Free & Confidential.

No Obligation.

Get the 5-in-1 Calculator That Shows You the Exact Numbers to Safely Afford Your Condo.

  • Find your True Maximum Loan (based on TDSR), not the bank's "best guess."

  • See the Exact Cash & CPF you'll get from your HDB sale.

  • Reveal the Total Upfront Cash you must have for downpayment, Buyer's Stamp Duty (BSD) & legal fees.

  • Map out your 6-Month Upgrading Timeline to avoid renting or paying ABSD.

100% Free & Confidential.

No Obligation.

PROBLEM

Does this sound like you?

You want to upgrade. But the more you search PropertyGuru, the more questions you have:

  • "How much will I actually get from my HDB sale... after paying back my loan and all my CPF?"

  • "What's the real upfront cash I need? I'm concerned about missing anything important.

  • "How does the timing work? If I sell first, where do I stay? What's the best timeline for my situation?"

  • "My bank's 'approval' seems high. Can I really afford that monthly mortgage without 'eating grass' for 25 years?"

  • "Am I missing something? If I get this wrong, it's a multi-million dollar mistake?"

Stop the guesswork.

Stop relying on conflicting forum advice.

Get clear, instant answers to your biggest property questions.

Stop the guesswork.

Get your real numbers in just 5 minutes.

LIMITED TIME OFFER

Get Instant Access to the 5-in-1 Upgrader's Toolkit That Makes Your Finances Crystal Clear.

This isn't just a calculator.

It's your complete financial roadmap from HDB to Condo.

  • Your True Loan Amount: Our Maximum Loan Calculator uses the official TDSR rules to show you what banks will actually lend you.

  • The "Unlock" Figure: The Sales Proceeds Calculator instantly reveals the exact 6-figure sum in Cash & CPF you’ll get from your HDB sale.

  • No Nasty Surprises: Get a Full Cash & CPF Breakdown so you know the total cash needed for your downpayment, Buyer's Stamp Duty (BSD), and legal fees.

  • Your Step-by-Step Plan: The Sample Buying & Selling Timeline maps out your 6-month journey so you can time your move perfectly.

  • Plan Your New Lifestyle: See your Estimated Monthly Mortgage and the Full Monthly Cost Breakdown (including your new condo maintenance fees, property tax, etc.) so you can upgrade with 100% confidence.

AND THE MOST VALUABLE PART…

  • A FREE 15-Minute "Roadmap Call" with Elfi: After you get the calculator, you'll be invited to book a 1-on-1 call. I will personally verify your HDB's value and help you build a "no-agar-agar" plan.

Unlock your clear, step-by-step financial plan.

Get a clear, step-by-step process to plan your next property purchase and maximize your budget.

Here’s What You Get…

Unlock a clear, step-by-step process to plan your next property purchase and maximize your budget.

Hi, I’m Elfi

As a veteran real estate advisor in Singapore, I've met countless HDB upgraders paralysed by one thing: fear of the unknown.

They were trying to make the biggest financial decision of their lives based on "agar-agar" (guesswork), conflicting advice, and confusing bank spreadsheets.

I created this 5-in-1 Toolkit to remove that fear.

It’s designed to answer your most critical questions in 5 minutes, giving you a clear, honest, and realistic plan. 

My mission is to help you build your family's wealth through property, not by taking a blind gamble, but by making a confident and well-planned decision.


  • A "No-Agar-Agar" Approach to Property

  • Help HDB Upgraders & First-Time Buyers Build a Safe, Clear Plan

  • Your Trusted Partner for a Confident Property Journey

Download the 5-in-1 Toolkit I created for you.

Stop Dreaming. Start Planning.

Get free, instant access to the 5-in-1 Affordability Toolkit, as well as my "Roadmap Call", and take the first confident step towards your dream home

Get instant access to the free calculator.

You're invited to book a "roadmap call" with me as well, no obligations

Disclaimer:

The calculator and "Roadmap Call" are for educational purposes only. All figures are estimates and do not constitute financial or mortgage advice. This is not a substitute for consultation with qualified professionals. All information is provided "as is" without warranty; rely on it at your own risk.

© Elfi Abdullah - All rights reserved.