Selling your current home to buy the next one? See what your sale frees up, your new budget, and the smart sequencing.
Your current home
RPGT + agent fee + legal costs. Use the RPGT & sale proceeds calculator for a precise figure.
Your finances
Take-home pay after tax, EPF and SOCSO — banks assess DSR on net income.
Optional
Cash proceeds
RM 440,000
Funds for next home
RM 490,000
Sale proceeds + extra cash
New purchase budget
RM 2,325,000
Comfortable target: around RM 1,478,000
Est. loan
RM 1,063,028
Cash
RM 464,743
Monthly
RM 4,900
Bridging loan
If you buy before your sale completes, your sale cash isn't in hand yet — you may need a bridging loan of about RM 414,743 to cover the new purchase, repaid when the flat sells.
Sell-first vs buy-first
Sell first (safer)
Sell your current home, bank the proceeds, then buy. No bridging loan and less financing risk — but you may need interim housing between homes.
Buy first (faster)
Secure the new home first, then sell. No interim move — but you fund the downpayment and stamp duty up-front, likely need a bridging loan, and carry the risk of not selling in time.
Timeline risk: a subsale completion typically takes 3+ months (longer if state consent is needed on leasehold). Line up your sale and purchase dates carefully, and keep a cash buffer.
Indicative only. Actual proceeds, RPGT, loan eligibility and financing depend on your full situation. Confirm with your banker, your lawyer and a licensed agent.