Singapore Property Blog
Guides
265 articles
How Long Does HDB Sale Take After OTP Exercise ({YEAR})?
HDB resale 8-12 week timeline from OTP signing to completion. Step-by-step breakdown, common delays, and ABSD-timing implications for upgraders.
Can I Keep My HDB After Buying a Condo ({YEAR})?
Rules for keeping HDB after buying private property: SC vs PR, MOP rules, ABSD cost analysis, when keeping HDB makes financial sense.
How Does a Bridging Loan Work for HDB Upgraders ({YEAR})?
Bridging loan mechanics for HDB→Condo upgraders, cost comparison with ABSD-upfront strategy, bank package overview.
ABSD Remission Timeline for HDB Upgraders ({YEAR})
Step-by-step 6-month ABSD refund timeline for HDB upgraders, required documentation, and forfeiture risks.
Should I Sell My HDB First or Buy Condo First ({YEAR})?
Sell-first vs buy-first comparison for HDB upgraders: ABSD math, cash buffer, market risk. Decision framework based on capital availability and HDB sa
What Happens to HDB at 99-Year Lease Expiry ({YEAR})?
HDB lease-decay curve, Lease Buyback Scheme, SERS, VERS, and what happens at year 99. Worked example for a 1971-built flat at lease expiry.
Can I Use HDB Grants for an EC Purchase ({YEAR})?
HDB grants do NOT apply to ECs. Only the EC Family Grant (S$30k) is available, with strict income criteria. Resale levy applies on HDB-to-EC upgrades.
How Long Is BTO Wait in Mature Estates ({YEAR})?
BTO wait times in 2026 by estate type: 4-5 years mature, 3-4 years non-mature, 5-7 years Plus/Prime. Why wait shortened from the 2022 peak.
What Is the HDB Resale Price Index ({YEAR})?
HDB RPI explained: 4.2% YoY growth in Q1 2026 (RPI 192.0), trend analysis by flat type, and what the index means for buyers, sellers, and investors.
Can Divorced HDB Owners Reapply for BTO ({YEAR})?
3-year waiting period for divorced HDB owners reapplying for BTO. Eligibility conditions, subsidy clawback, and worked example for an SC age 38.
How Does HDB BTO Ballot Priority Work ({YEAR})?
HDB priority schemes for BTO balloting: MGPS, PPS, SPS, and probability of getting a unit by scheme. Worked example for mature-estate Tampines 4-room.
What Are Plus Flat Resale Restrictions in Singapore ({YEAR})?
Plus flat tier rules: 10-year MOP, SC-only resale, subsidy clawback. Worked example showing year-10 resale net proceeds.
Can I Rent Out My HDB Room During MOP ({YEAR})?
HDB room rental rules during MOP: owner-occupancy requirement, occupant limits, tenant types, registration, and worked example showing S$11,151 net an
What Is HDB MOP and How Does It Work ({YEAR})?
HDB Minimum Occupation Period rules for 2026: 5-year standard, 10-year Plus/Prime, exceptions, and worked example for Plus flat resale at year 10.
BTO vs SBF vs OBF: Which HDB Application to Pick ({YEAR})
Comparison of BTO, SBF, and OBF HDB application routes: wait time, balloting, selection, grant eligibility, with worked example for Tengah 4-room.
How to Calculate ABSD in Singapore ({YEAR})
ABSD calculation formula, 2026 rate grid by buyer type and property count, five worked examples covering SC / PR / foreigner / second-property / below
Can I Get an ABSD Refund in Singapore ({YEAR})?
Three ABSD refund scenarios: married-couple remission, trust refund, cancellation. Step-by-step claim process and worked example of HDB upgrader S$300
Does Inheritance Trigger ABSD in Singapore ({YEAR})?
Inheriting property does not trigger ABSD but counts toward future-purchase property total. Worked example showing the S$300k cost of holding inherite
When Is ABSD Payable in Singapore ({YEAR})?
ABSD payment timing: 14 days from OTP exercise (Singapore signing) or 30 days (overseas), payment methods, and penalty schedule for late payment.
What Is Decoupling and Does It Work for ABSD ({YEAR})?
How property decoupling avoids 20% ABSD on a second purchase. Cost breakdown (S$26k–S$33k), worked example showing S$268k net savings, and conditions