Selling one HDB flat while buying another? The Enhanced Contra Facility routes your sale proceeds and CPF refund straight into your next purchase. Here's the 2026 guide — rules, timeline, worked numbers, and the failure modes nobody covers.
An existing EC can be decoupled at the five-year MOP. Past that point the loan is tested on TDSR, not MSR, which is what decides whether one owner can carry it.
Decoupling costs BSD on the transferred share, two sets of legal fees and a valuation, with SSD and ABSD only in some cases. The CPF refund is not a cost — here is how to work out the break-even.
Neither tenure wins on its own. URA resale data by region, one real pair compared factor by factor, and the CPF test for when tenure starts to matter.
Selling one property and buying two rests on a single piece of arithmetic: each name buys as a first housing loan, at up to 75%. Here is how that works, who it fits, and when keeping the property you already own is the better move.
There is no perfect property agent, but there is a checkable one. What the CEA Public Register shows about an agent's record, what it leaves out, and the questions worth asking before you appoint anyone.
Selling your HDB flat on your own is permitted, and CEA publishes the route for it. Whether it suits you depends on how many moving parts your sale has — and on knowing what the buyer's agent may and may not do.
How much commission is fair to your property agent? Factors to consider when paying property agent commission. Will Service and Value add be more important?
Collecting BTO keys soon? See when to sell your current HDB flat, how the 6-month rule works, and the two HDB schemes that bridge the payment gap.
An HDB bridging loan and HDB's Enhanced Contra Facility (ECF) solve the same problem — paying for your next flat before the money from your sale arrives — through different doors.
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