Singapore Property Guides for Sellers, Upgraders and Buyers
Practical, worked-number guidance on selling, upgrading and buying residential property in Singapore — HDB, EC, Landed and private condo.
Written by Rick Long, Associate Senior Division Director at Huttons Asia (CEA R026818Z), covering CPF, ABSD, sale proceeds and affordability, grounded in official sources like HDB, CPF Board and IRAS. New guides published regularly.
What the rules say, what the numbers show, and what I’d do next.
Client Experiences | Documented, Not Curated
HDB Contra (ECF): How to Sell and Buy an HDB Flat at the Same Time
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.
Second HDB Loan: The 50% Cash Proceeds Rule
If you take a second HDB concessionary loan, HDB right-sizes it: you keep the higher of S$25,000 or 50% of your cash proceeds from the flat you sold — including the deposit you received — and the rest goes into the next purchase to reduce your loan. Each household can take at most two HDB loans. Here is how the numbers actually land.
Best Time to Sell Property in Singapore
There is no universal best month. For private property, timing is set by four dates you can look up — and one of them changed on 4 July 2025.
HDB to EC Upgrade: Costs, Rules & Returns
The EC scheme split in two on 8 May 2026. Here is what changed, what an EC actually costs an HDB upgrader, and what the resale record shows.
Can I Afford to Upgrade to a Condo or EC?
Wondering if you can afford to upgrade from HDB to a condo or EC in Singapore? Map your sale proceeds, CPF refund, loan range and monthly comfort before you decide.
Sell HDB, Buy Condo in Singapore: What to Know Before You Upgrade
Thinking of selling your HDB to buy a condo in Singapore? Understand CPF refund, ABSD, real cash proceeds and timing before you commit. A calm, practical guide.
HDB Resale Process in Singapore: Step-by-Step Guide for Sellers
A FREE comprehensive guide for Hdb owners – Hdb financial calculation, Hdb procedure, Hdb timeline and what to look out for.
Should You Sell Your HDB Flat? Sell Now or Wait
Deciding whether to sell your HDB flat now or wait? Work through your proceeds, CPF refund, timing and the current market data before you commit.
HDB Downgrader Watch: Demand, Rental & COV Tracker
After the 15-month wait-out removal: a quarterly tracker of HDB resale demand, larger-flat volumes, COV reports and rental effects — official data, attributed.
Hi, I’m Rick Long,
Associate Senior Division Director, Huttons Asia · CEA Reg. R026818Z
With decades of experience in Singapore’s real estate market, I’ve had the privilege of being mentioned in media outlets such as Channel NewsAsia, The Straits Times, and 99.co.
Over the years, I’ve written extensively on the local property landscape — tackling the real questions buyers and sellers face, and helping them navigate each step with greater steadiness and confidence.
Many of my clients have become long-time friends — their trust and kind reviews continue to inspire me to raise the bar in everything I do.
I believe real estate should be strategic, seamless, and deeply aligned with your life’s journey.