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.

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.

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.