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.
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.
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.
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.
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.
The "second CBD" is a story until it's built. Here's what's confirmed, how to judge the price, and who JLD actually suits — minus the hype.
Not all cheap properties are undervalued, and not all undervalued ones are cheap. Here's the VALUE Lens framework — and the value traps to avoid — before you make an offer.
Most buyers judge a home on price or a score. The Right Fit Framework judges the fit — across the Property, the Numbers, the Life and the Exit.
One of the key studies I rely on for my analysis of potential growth is the URA Master Plan - Lets take a look today on what to look out for.
More space or more lease? Compare older vs newer HDB resale flats on CPF rules, renovation cost, resale pool, and family fit. The right questions, calmly.