From the Blog
Practical Property Insights
Clear explanations, useful calculations and current Singapore property information to help you make a better-informed move.
Written by Amanda Yap and Terence Ho, and reviewed regularly as regulations and market conditions change.
Where to start
These guides are written for Singapore homeowners who are approaching MOP or have already passed it. Each one is organised around a decision that homeowners commonly face at this stage, from working out what you would actually receive from a sale to deciding whether to sell, upgrade or stay. If you are not sure where to begin, pick the question closest to yours.
I’ve just reached MOP. What changes?
MOP is an eligibility milestone, not an instruction to sell. What Happens After Your HDB MOP? explains what changes and what stays the same, and Common Mistakes Homeowners Make After MOP covers the errors that appear most often. For quick answers on dates and rules, see the MOP FAQs.
What would I actually walk away with if I sold?
A headline price is not cash in hand. How to Estimate Your HDB Sale Proceeds walks through the outstanding loan, CPF refund and selling costs, and What Happens to Your CPF When You Sell Your Property? explains where the CPF you used actually goes.
Should I sell, upgrade or hold?
Once MOP is behind you, the useful question is which option leaves your household in the strongest position for what comes next. Start with Sell, Upgrade or Hold: What Should You Do After MOP?, then read Should You Buy First or Sell First in Singapore? if you are leaning towards moving.
What will moving to a condo really cost?
The purchase price is only part of the budget. Moving from HDB to Condominium: Costs You Should Consider covers the stamp duties, financing differences and monthly running costs, and How Much Property Can You Comfortably Afford? separates what you can borrow from what you can comfortably afford.
Should I refinance my mortgage?
If you are still on an HDB loan, Should You Refinance Your HDB Loan to a Bank Loan? covers the rates, the costs and the one-way switch. If your bank loan's lock-in is ending, your bank will not remind you that you have options, and Mortgage Lock-in Ending: Repricing Versus Refinancing explains how the two compare.
Which calculator should I use?
Most homeowners only need two or three of our calculators, in a specific order. Which Calculator Should You Actually Use? shows which ones, and the calculators page has them all.
These guides are general information, not personal advice. If you would like to talk through your own situation, you can contact Amanda or Terence or request a Free Indicative Value Review.
What Happens After Your HDB MOP?
MOP is an eligibility milestone, not an instruction to transact. Here is what actually changes, what stays exactly the same, and how to work out what to do next.
By Amanda Yap · 10 min read
Latest Insights
How to Estimate Your HDB Sale Proceeds
Selling price is not the same as cash in hand. Here is exactly how outstanding loan, CPF refund and selling costs turn a headline price into what actually lands in your account.
By Amanda Yap · 9 min read
Sell, Upgrade or Hold: What Should You Do After MOP?
Once MOP is behind you, the useful question is no longer whether you can sell. It's which option leaves your household in the strongest position for what comes next.
By Terence Ho · 10 min read
What Happens to Your CPF When You Sell Your Property?
The CPF you used to buy your flat does not simply vanish when you sell - and it does not simply appear as cash either. Here is exactly where it goes, and why.
By Amanda Yap · 9 min read
Should You Buy First or Sell First in Singapore?
There is no universally correct answer - only a set of trade-offs that land differently depending on your household's cash buffer, risk tolerance and timeline.
By Terence Ho · 9 min read
Common Mistakes Homeowners Make After MOP
The same handful of mistakes show up again and again after MOP - not from carelessness, but from letting the milestone skip past the arithmetic.
By Amanda Yap · 9 min read
Moving from HDB to Condominium: Costs You Should Consider
The purchase price is the number everyone budgets around. The stamp duties, financing differences and monthly running costs are the ones that quietly change the maths.
By Amanda Yap · 9 min read
Which Calculator Should You Actually Use?
Twelve calculators is not twelve homework assignments. Most homeowners only ever need two or three of them, in a specific order - here is which ones, and why.
By Amanda Yap · 9 min read
How Much Property Can You Comfortably Afford?
“How much can I borrow” and “How much can I comfortably afford” are two different questions, answered by two different sets of numbers.
By Amanda Yap · 8 min read
Mortgage Lock-in Ending: Repricing Versus Refinancing
When your mortgage lock-in ends, your bank will not remind you that you have options. The cheaper-looking one is not always the better one.
By Amanda Yap · 9 min read
Should You Refinance Your HDB Loan to a Bank Loan?
Refinancing from an HDB loan to a bank loan is a one-way decision. Here is what the rates, costs and rules look like, and the questions that decide whether the saving is real.
By Amanda Yap · 8 min read
Additional articles are in factual and CEA compliance review and will be published once cleared.