By MoneyBees
Work out your share of an en bloc sale by share value, strata area or a mix, less your loan, CPF refund with accrued interest and any SSD, and what your next home could cost.
By the method in the collective sale agreement. The Land Titles (Strata) Act does not fix one; owners approve the apportionment at a general meeting and an independent valuer reports on it. This calculator handles a split by share value, by strata area or a mix of both.
At least 90% by share value and by strata area if the development is under 10 years from its latest TOP, or 80% if it is 10 years or older. Consent must be collected within one year.
The Land Titles (Strata) (Amendment) Bill 2026 proposes 70% consent for developments aged 40 to 59 years and 65% for 60 years and older, a six-month signing window and 35% of owners to start a sale. It is not in force yet.
Yes, if you sell within the SSD holding period. Every owner sold within it pays SSD, whether or not they consented, within 14 days of the collective sale contract. For homes bought from 4 Jul 2025 the period is four years.
After your loan is repaid, the CPF you used plus accrued interest goes back to your CPF account. If there is not enough, you do not top up the shortfall in cash, as long as the sale is at market value.
Gains from selling property are generally not taxable in Singapore. IRAS may tax gains from trading in property, looking at how often you buy and sell, why, and how long you hold.
You can file an objection with the Strata Titles Board within 21 days. The Board mediates first. If the case goes to the High Court, the sale can be refused if it is not in good faith, or if an objector would make a financial loss, meaning the net proceeds are less than the price they paid.
Costs incurred for the sale are shared by the owners as set out in the collective sale agreement, and the Board or Court can direct how reasonable costs are borne.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).