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 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.
Sell Condo, Buy HDB Resale: Rules, Sequence & Timeline
Selling a condo to buy an HDB resale flat? The full sequence from 28 July 2026: eligibility, sell-first vs buy-first, financing rules and the timeline.
The HDB 15-Month Wait-Out Period Has Been Removed: What It Means for Buyers, Sellers and Right-Sizers.
From 28 July 2026, private property owners can buy a non-subsidised HDB resale flat immediately — no 15-month wait. Here is exactly what changed, the one financing condition that still applies, and what it means for right-sizers, EC owners and sellers of larger flats.
The HDB Age-95 Rule: How to Work Out Your CPF and Loan Limits Step by Step
How to run the HDB age-95 rule on your own numbers: three worked buyer profiles, the official CPF calculator walkthrough, the loan-tenure math, and the cash gap — step by step, before you commit to an older flat.
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.