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"my current flat is using back loan. my new bto will be using hdb loan. like to ask if i can collect"
Asked by kok yong neo on Jul 15, 2025
Hi,
1) There is no restriction on whether to sell before and after key collection of the BTO.
2) The policy stated the following in order to have freedom to determine when to sell current flat:
(a) You are able to get enough loan from financial institute or HDB to cover the balance amount (max 75%) after the downpayment (min 25%), can be in cash or funds from CPF OA.
(b) You have to settle any outstanding resale levy if applicable in cash only.
3) If you are unable to settle any of the above. You will have to sell the current flat to make up the difference before the key collection appointment.
4) The HDB will advise all payment matters before your key appointment. You may consult with them if you have any doubts.
5) If this is your 2nd HDB loan, the HDB will further deduct a 50% cash proceeds from your sale if this is a positive sale. They will not deduct any if your cash proceed is at or below $25k.
All The Best!!!
Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636, or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.
Best regards
Ling CK
90110636
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/
Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
The best way to get a follow-up is to WhatsApp or email us directly.
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9 Answers in HDB Questions
"Hi, me and my wife might be getting a divorce, i'm turning 35 next year, will i be able to keep the"
Asked by Anonymous on Jul 14, 2025
Hi,
1) If you have an agreement with your spouse that she has no objection for you to buy over her shares.
2) Both of you may include this under your agreement, the court will indicate this under the interim court order to minimise any conflict in the later stage.
3) You have to be 35 yrs old by the time the final court order is out. Otherwise, the HDB can reject your application to buy over the share, and command to sell it in open market, or they will take back at a lower rate than the market.
4) In general, it takes about 9 months from the lawyers submit document to the court to get the final court order.
5) It is around 3 months from interim court order to final court order.
6) So, time the processes carefully with both lawyers to work out the best timing for both of you.
All The Best!!!
Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636, or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.
Best regards
Ling CK
90110636
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/
Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
The best way to get a follow-up is to WhatsApp or email us directly.
Read More
13 Answers in General Questions
"Is this Freehold? Can view?"
Asked by Anonymous on Jul 16, 2025
Hi! I’d need to know which project or listing you’re referring to — some developments in the same area have both leasehold and freehold options.
If you send me the unit name or location, I can check and arrange a viewing for you. I’m Aren from PropNex, 9657 6701 — just WhatsApp me and I’ll sort it out for you.
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4 Answers in Condo Questions