OCR vs. RCR vs. CCR, new launch vs. resale, EC vs. private — the four key property decisions every HDB upgrader faces, and how to think through each one.
District-by-district breakdown for upgraders: OCR value pockets (Tampines, Jurong, Sengkang), RCR picks for budget-stretchers (Queenstown, Bishan), and MRT-accessibility as the key long-term appreciation heuristic.
Read articleECs are 15–25% cheaper than equivalent private condos, but face the same 5-year MOP restriction and MSR caps on loans. Covers 2026 EC pipeline (5 new projects) and eligibility requirements.
Read articleBreaks down the progressive payment scheme stage by stage (booking 5%, foundation 10%, structural 10%...) and maps each draw to a typical construction timeline, covering when bridging loans become necessary.
Read articleCovers progressive payment cash flow for new launches vs. resale full payment upfront, the 2026 price premium on new launches, and why more upgraders are shifting toward resale (3,347 to 4,013 units in 2023–2024).
Read articleExplains URA's three planning regions and what they mean for upgraders: OCR led price growth in Q4 2025, RCR appeals to dual-income PMET households, and CCR is rarely the right first step for HDB sellers.
Read articleThe calculator works out your net cash, ABSD exposure, and condo affordability before you read a single article.
Free · No sign-up · Singapore-specific