Sell first or buy first? The sequencing decision determines your ABSD risk, cash flow, and whether you can qualify for the condo you want. Here's how to choose.
Clarifies that HDB decoupling has been prohibited since 2016, covers private property decoupling as an alternative, and explains the practical options for upgraders — a content gap many competitor articles get wrong.
Read articleThe practical mechanics of executing both transactions at once — synchronising completion dates, deferred completion clauses in resale OTPs, developer flexibility, bridging loans, and interim housing options.
Read articleAn outstanding housing loan caps your new condo LTV at 45% (down from 75%), meaning you need 55% in cash plus CPF. In practice, this forces most buyers to sell the HDB first.
Read articleYes — but you pay 20% ABSD upfront and must sell the HDB within 6 months for IRAS remission. Covers the exact remission process, the risk of missing the window, and who this strategy suits.
Read articleSide-by-side risk/benefit comparison with a decision framework: sell first means no ABSD risk but interim housing needed; buy first means no disruption but 20% ABSD upfront and a 6-month sell-down clock.
Read articleThe calculator works out your net cash, ABSD exposure, and condo affordability before you read a single article.
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