10 Answers

Hi, appreciate your sharing. Do you require the funds to roll over ? Or you have enough funds.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Stewart-PropNex (Senior Associate Division Director) Read More
Hi there, from what i am understanding, You will be making use of the contra facilities to transit from your current HDB to your new BTO. If your estimated timeline for your new BTO is 1st Q 25. you should look to begin your selling process Dec 24 -Jan 25. Allow for enough time for viewers to view your unit therefore achieve a good selling price and also cater for enough time to achieve your aim of transfering your sales fund to your new BTO. your main concern would be 1. your funds from your current unit to your BTO and 2. your timeline to smoothly move into your BTO from your current place. drop me a text/call and we can do up a ideal timeline and financial plan for your transition. Cheers
 9687 1379 
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Hi Shirley,

HDB Resale completion is about 8-10 weeks from the date of HDB's acceptance of the resale application.

I believe I would be of great assistance to help in the process, you may reach out to me via WhatsApp 9189 0029  for further discussion. To prepare yourself better, it is best to engage an agent to plan ahead and start to market soon as time is needed to find you the right buyer. If you managed to find a buyer earlier, you can state in your portion of the resale application that there is an arrangement for temporary extension of stay. This would buy you some time.

Feel free to reach out to me for further assistance, happy to share more. Thank you.

Angel Lim 9189 0029  ERA REALTOR R070213E Read More
Hi, this sounds like you want to use contra facility to pay for the new BTO, which will require you to sell your existing unit before you can collect the keys to your BTO. In order for this to be achieved, a good time to start considering to market the unit would be around september-Nov (depending on key collection date) to have allowance for time for buyers to find your unit as well as for the contra to go through before your BTO key is ready.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

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Landon Chew
97 39 60 40
landonchew@email.com Read More

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, it is advisable to sell a few months before the key collection of your BTO flat and in your case it be around the 3rd to 4th quarter of this year.

Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More
Hi Shirley,

I have assisted many of my clients who are in the same situation to make use of the sale proceeds and CPF refund of their current HDB to fully pay off their new BTO and also be able to transit smoothly from their old place to the new one without the need for an interim housing. With proper planning, there is some buffer time for renovation as well.

If your keys are ready in Q1 2025, I would suggest we start the marketing process closer to the end of 2024. In this way, we can ensure that we will have sufficient time to prepare the house for sale and secure the highest price possible.

Please feel free to contact me so that I can understand your situation better and explain to you the timeline and procedures in greater details.

Nick Tan
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“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant man Read More
Hi Shirley,

Ideally, if you have done the positioning of your unit for sale right, the sales and marketing process takes under 2 months to be done, and another 8 to 10 weeks for completion, thus you may need to look into commencing the sales and marketing process about 5 months ahead of the key collection date.

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

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Using CPF Contra Facility for New BTO Flat (Summary):
If you plan to use CPF Contra to pay for your new BTO:

You must sell your existing unit before collecting the BTO keys.
Ideal timeframe to sell existing unit:

This allows time for buyers to find your unit and for CPF contra processing.
Sales & Marketing Process Timeline (Ideally):
Approximately 4 to 5 months before your BTO key collection date.

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From: ABLE Toh- Your Property ASSISTANT :)

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Hi Shirley,

Looks like you need your sale proceeds to complete the purchase of the new flat and key collection. May I know which BTO project is that and is there any possibility of earlier key collection? In this case it may be ideal to market the unit for sale 3 to 6 months before the key collection, which should be around September period. This is to cater for sufficient time to find the buyer and to allow hdb processing for the sale approval and funds to come back. It may also be possible to go for the contra facility if your current hdb is not on bank loan. I am familiar with such cases and will be happy to customize a plan for you.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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Before contacting Ivan Ng, our Property Realtor, we were quite apprehensive about our Contra-deal ( concurrent resale & purchase of HDB flats) as at that time the outlook of the resale property market was quite sluggish & pessimistic. But surprisingly our property realtor, Ivan , was able to put us at ease with his professional competence, astute work experience & friendly nature . He was able to consummate our contra-deal within one month of our HDB application. Now we are convinced by his promise that (in Ivan's own words) ... "A contra-deal is where the sale & purchase transactions are done concurrently and completed on the same day. This results in a seamless transition of the funds from your sale proceeds and CPF proceeds towards your purchase price." More importantly Ivan has also managed to clinch a good deal for our contra-deal. We'll certainly recommend him to our kins & friends. Thank you very much, Ivan. We are definitely your satisfied customers!

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We were fortunate to have met Ivan Ng. He was thorough in going through what the complicated home-selling process required of us and more so in understanding what we would like to achieve from the sale of our unit. His responsiveness and assurance, was a trait that we really appreciate. We managed to secure a sale that exceeded our expectation with Ivan’s advises. The offered price for our unit was a record set for the flats in the neighborhood. This was definitely supported by the fact that Ivan’s listing of our unit was detailed and stood out from other listings. Because of this, we also engaged Ivan's service to help us search and buy our new resale home. After some searches and viewings, we managed to secure one at a reasonable price with his help. With Ivan’s cheery and positive demeanour, selling our unit to procuring a new one, was a smooth journey for us. It was a pleasure to have worked with him. Read More
Hi Shirley,

1) You might be able to utilize the contra-facility if you are taking an HDB loan for the BTO.
2) However, from your description it seems that you are not taking any loan for the BTO. Thus, the Temporary Loan Scheme might be more suitable for your situation.
3) Both methods will require you to complete the resale application process before being eligible for them.
4) Thus, a more precise month for the BTO key collection will be needed to time it right.
5) Otherwise, you will have to bet on your luck if we only know which quarter you are collecting your keys.
6) If you start your marketing in September 2024, and you accept an offer and submit your resale application in late September. Your completion would properly fall on later Dec 2024 or Jan 2025.
7) So, if your key collection falls after Jan 2025. It will be too late to apply for any facility from the HDB. But you can pay for the BTO with your redundant CPF.
8) If you only accept an offer at the end Nov 2024 (3 months of exclusive marketing), your completion would fall in later Feb or March 2025.
9) You should be able to make use of the facility from the HDB to ensure the refunded CPF can be used to pay for the BTO.
10) If you only accept any offer later than the end of Nov 2024, your key collection will have to be delayed until you complete the sale.
11) From the estimation of the above. You are not too early to start the marketing campaign in September 2024.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

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
https://www.linkedin.com/in/ckling/ Read More