Essential Financial Proficiency in HDB Resale Flat Transactions
Professional Competencies · 4 Professional Competencies (PC) hours
This course is part of AsianPrime Capital's practical CPD training series, designed for busy Real Estate Salespersons (RES) who want focused, trainer-led learning that respects their time. Course fee: S$100 per lesson.
Course overview
A practical course on the financial calculations behind HDB resale flat transactions, covering sale proceeds, CPF refund, resale levy, negative sale, HDB and bank loan eligibility, grants, affordability, monthly instalments and cash outlay.
Learning objectives
- Calculate net sale proceeds for HDB resale flat sellers, including outstanding loan, CPF refund and cash proceeds.
- Analyse seller scenarios involving second subsidised flat purchases, resale levy and second HDB loan implications.
- Evaluate negative sale situations and explain CPF refund obligations and financial exposure to sellers.
- Perform HDB housing loan calculations, including loan amount, loan tenure and monthly instalment.
- Perform bank loan calculations for HDB resale flat buyers, including normal and stretched loan tenure scenarios.
- Assess affordability for joint buyers, including grants, MSR, stress test interest rate, loan amount, monthly instalment and cash outlay.
Course outline
- HDB resale sale proceeds formula and key financial components such as outstanding HDB loan, bank loan, CPF refund with accrued interest, resale levy, second subsidised flat purchase and second HDB loan considerations.
- Negative sale scenarios and CPF refund implications.
- HDB housing loan eligibility, Loan-to-Value limits, loan tenure and monthly instalment.
- Bank loan eligibility, stretched loan tenure and monthly repayment impact.
- Joint buyer affordability assessment using income, MSR and stress test interest rate.
- CPF savings, grants, downpayment, final loan amount and total cash outlay.
- Comparison between HDB loan and bank loan.
Who should attend
Real Estate Salespersons handling HDB resale flat transactions.
Trainer
Martin Koh. Our trainers bring practical real estate experience and structured, adult-learning-led delivery to every session.
Attendance note. Please arrive on time and stay for the full session. For this online class, please keep your camera on throughout, as required for your attendance to be recognised. Where a course is recognised for CPD, attendance and any assessment requirements must be met in full for the learning to count towards your CPD.
CPD recognition. This course information is provided for general reference. CPD recognition, category and training hours are subject to applicable CEA approval and listing status. Please check the official CEA CPD Course Directory where applicable.