Selling your place? Three things nobody honest will tell you for free. 要卖房了？三件没人会免费、老实告诉你的事。
Every price you're quoted, every agent at your door — they all get paid only if you transact. This is the opposite: a plain-English read on what your unit is really worth, whether you even need an agent (and how to spot a good one), and what cash you actually keep. We sell you nothing. 你被报的每个价、上门的每个中介——他们都只有在你成交时才赚钱。这个工具相反：用大白话告诉你 你的房子到底值多少、你是否真需要中介（以及怎么看出好中介）、还有 你最后到手多少现金。我们不卖你任何东西。
① What's your unit really worth?① 你的房子到底值多少？
Don't trust a single agent's number. Drop in a few recent sales of units like yours (your agents are already quoting these; EdgeProp / PropertyGuru show them free) and we'll read the evidence honestly — no agenda.别只信某个中介给的数字。填入几笔近期、和你类似单位的成交（中介早就在报这些；EdgeProp / PropertyGuru 免费就能查），我们会客观地帮你读这些证据——没有任何立场。
The honest read客观解读
Read this honestly:请老实地理解： this is your evidence, not a valuation. A specific unit swings ±5–10% on floor, facing, renovation, stack and remaining lease. Recent comps in your own project beat anything else. We don't earn a cent from your sale — that's the whole point. 这是你的证据，不是估价。具体单位会因楼层、朝向、装修、栋向、剩余地契上下浮动 5–10%。同一个项目内的近期成交最有参考价值。我们不从你卖房中赚一分钱——这正是重点。
② Do you even need an agent?② 你真的需要中介吗？
Agents are swarming your door — but the 2% (+9% GST) is negotiable, and sometimes worth every cent. Here's the honest trade-off.中介挤破你家门——但 2%（再加 9% GST）是可以谈的，有时也确实物有所值。这是诚实的权衡。
- • Reach — paid listings on PropertyGuru/99.co where buyers actually look曝光——在买家真正会看的 PropertyGuru/99.co 上付费挂盘
- • Viewings, scheduling, and chasing tyre-kickers so you don't带看、约时间、过滤只看不买的人，省你的事
- • Negotiation — a buffer who won't show your desperation谈判——一个不会暴露你急售心态的缓冲
- • The “fall guy” — someone liable if the paperwork goes wrong“背锅的人”——文件出问题时有人担责
The agent BS-detector看穿中介的“照妖镜”
Don't ask for a track record no agent could have (almost nobody has 3 sales in one project). Here's how vetting really works — and the one move to watch for.别要一份没有中介拿得出的业绩（几乎没人在同一个项目有 3 笔成交）。下面才是真实的考察方式——以及最该提防的那一招。
The agent who quotes the highest price often just wants your signature. Once you sign — especially an exclusive — the “let's be realistic” calls begin and the price drifts down to a fast, easy sale. Be most wary of the outlier-high quote, and make every agent justify their number with actual recent transactions.报价最高的中介，往往只是想要你的签名。你一签——尤其是独家——“我们要现实一点”的电话就开始了，价格被慢慢压到一个又快又省力的成交。对那个明显偏高的报价最要小心，并让每个中介都用真实的近期成交来证明他的数字。
- 1. “What would you list mine at — and show me the recent transactions behind that number.” The one that matters most (see above).“你会帮我挂多少——并拿出支撑这个数字的近期成交。” 最关键的一题（见上方）。
- 2. “How many sales have you closed in the last 12 months?” — then cross-check it free on the CEA Register below. Volume is the honest track record.“你过去 12 个月成交了几单？”——再用下面的 CEA 名册免费核对。成交量才是诚实的业绩。
- 3. “Have you sold in this development — or ones like it? What did they close at, and how long did they take?”“你在这个项目——或类似项目——卖过吗？成交价多少，花了多久？”
- 4. “What's your exact marketing plan?” — portals, professional photos, video, how many active listings.“你具体怎么营销？”——哪些平台、专业照片、视频、会同时挂几个盘。
- 5. “Open or exclusive — why better for me? How long is the exclusive, and is the commission negotiable?” (It is.)“公开盘还是独家——为什么对我更好？独家签多久，佣金能谈吗？” （能。）
Free. Shows their licence status, their transaction count over the last 24 months (their real volume — not project-specific), and any disciplinary record.免费。显示他的执照状态、过去 24 个月的成交数量（真实成交量——不是单个项目），以及任何违纪记录。
③ What you actually keep③ 你真正到手多少
The headline “profit” is not your cash. Commission, seller's stamp duty, legal, and your CPF refund all come out first.账面“利润”不是你的现金。佣金、卖方印花税、律师费、CPF 退款都会先被扣掉。
What lands in your bank真正进你银行的钱
Your CPF refund is NOT a loss退回 CPF 的钱不是“亏掉”
The CPF you refund (principal + accrued interest) goes straight back into your own CPF and keeps earning 2.5%. It is not “lost” — it is just locked, not spendable cash. The money that truly leaves you is only stamp duty, commission, and legal.你退回的 CPF（本金 + 应计利息）会原封不动回到你自己的 CPF，继续赚 2.5%。它不是“亏掉”——只是锁住、不能当现金花。真正离开你的只有印花税、佣金和律师费。
④ Renting it out? Photograph it together — never fight over the deposit again④ 要出租？一起拍照存证——以后别再为押金吵架
The #1 rental fight is the deposit at move-out: “that scratch was already there.” The fix is a baseline both sides agreed to. This tool stores no photos (nothing leaves your browser) — it gives you the protocol and a condition report you both fill, photograph, and keep alongside your own photos.租房最大的纠纷是退租时的押金：“那道划痕本来就有。”解决办法是一份双方都认可的基准。这个工具不存任何照片（数据不离开你的浏览器）——它给你流程和一份验房记录，你们一起填写、拍照，并连同照片各自保存。
Joint condition report共同验房记录
The record you both keep你们各自保留的记录
You can't deduct for normal aging — faded paint, minor scuffs, worn high-traffic flooring, aircon needing routine servicing. You can for damage beyond that — burns, holes, stains, broken fittings, missing items. The agreed photos settle which is which.正常老化不能扣——褪色油漆、小刮痕、走道地板磨损、冷气需常规保养。超出这些的损坏可以扣——烧痕、破洞、污渍、损坏的配件、丢失的物品。双方认可的照片用来判定属于哪一类。
Disputes go to the Small Claims Tribunals — a dated, jointly-agreed photo record is the strongest evidence either side can bring. This is a record, not legal advice.纠纷可向小额索偿审裁处（Small Claims Tribunals）处理——一份注明日期、双方认可的照片记录，是任何一方能拿出的最有力证据。这是一份记录，不是法律建议。
The rules behind the numbers数字背后的规则
- •Estimates, not advice. This does not tell you whether or what to sell — only what the published rules cost you, and what your own comps imply. Not financial, legal or valuation advice.是估算，不是建议。它不会告诉你该不该卖、卖什么——只告诉你公开规则会让你付出多少，以及你自己的成交数据意味着什么。不是理财、法律或估价建议。
- •Rules current as of . Confirm with IRAS & CPF. Nothing you type leaves your browser.规则截至 。请到 IRAS 与 CPF 核实。你输入的内容不会离开浏览器。