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
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.
Singapore HDB: VERS Takes Shape
Singapore’s HDB renewal is shifting from selective SERS to vote-based VERS. First announced in 2018, Parliament confirmed in September 2025 that compensation details are still being worked out and not every older flat will get VERS. Pilots are targeted for the early 2030s. SERS: no new projects planned for now.
HDB Depreciation Curve: Why Some Flats Hold Value Better Than Others
Age alone doesn’t decide what an HDB flat is worth. Five factors do — remaining lease, location, size, competing supply, and next-owner confidence. Here’s the valuation lens, the real cash math behind a “gain,” and Cash Over Valuation explained.
HDB Lease Decay in Singapore: What a Shrinking Lease Does to Your Flat’s Value, CPF and Loan
When you buy an HDB flat, you buy the years left on its lease — not the land. Here’s what a shrinking lease does to value, CPF and financing, what happens at expiry, and the moves you still have.
Upgrade HDB to Condo With Zero Cash: Check These Numbers First
The “$0 upgrade” mechanic is real — your HDB sale proceeds and CPF refund can fund the next home, and for many households it genuinely works. This guide traces where the money comes from, which costs still need cash along the way, and how to check whether your own numbers support it before you commit.
Bala’s Curve: How Leasehold Value Decays in Singapore — and How to Tell If a Price Has Overpaid
A sourced guide to SLA’s Leasehold Table — how leasehold valuedecays in Singapore, why a leasehold can rise before it falls, and how to tell if a pricehas already paid for a future that may not arrive.
Progressive Payment Scheme Singapore: Calculator & Guide 2026
The Progressive Payment Scheme lets you pay for a new-launch condo in stages as it is built, with your loan drawing down the same way. Here is the full schedule, the CPF and stamp-duty timing, and how upgraders should think about ABSD.
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.