Upgrading, sequenced correctly.
Selling an existing property while buying the next one raises timing, financing and cash-flow questions that are easy to get wrong. Plan the sequence before you commit to either side.
Start with an honest read of your position.
Most upgraders are weighing whether to sell first or buy first, while also checking MOP and how much of their sale proceeds fund the next purchase.
Decide these in order, not all at once.
- Have you reached MOP if you're selling an HDB flat?
- Should you sell first or buy first, given your financing and temporary housing options?
- How much of your next purchase depends on this sale's proceeds?
- What will stamp duty and selling costs actually leave you with?
Grounded in the relevant property pillar.
Run the numbers for this journey.
Avoidable, if you see them early.
- Committing to a purchase before confirming MOP or sale proceeds
- Underestimating selling costs, such as agency fee, SSD and CPF refund, when budgeting the next purchase
- Not planning temporary housing if selling first creates a gap before the next move-in
Try one of these to start the conversation.
Answers before you reach out.
Should I sell before buying, or buy before selling?
It depends on your financing capacity, temporary housing tolerance and market conditions for both sides of the move.
How do I know my MOP date?
MOP is generally counted from the date you collected keys to your HDB flat, typically 5 years, with some scheme-specific exceptions.
What costs reduce my sale proceeds?
Outstanding loan, CPF refund with accrued interest, agency fee, SSD (if within the holding period) and legal or miscellaneous costs.
Ready when you are
Start with one clear conversation.
Share what you are considering, and Glenice can help you understand value, timing and the practical next step.
Glenice Toh
Trusted Property Advisor