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.
The Temporary Extension of Stay lets HDB sellers stay up to 3 months after completion — if the buyers agree. Here are the rules, the costs, and what to put in writing.
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.
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.
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.
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.
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.
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.
A FREE comprehensive guide for Hdb owners - Hdb financial calculation, Hdb procedure, Hdb timeline and what to look out for.