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Hi. There are several things you can do now to prepare for your next move, and also potentially make an appeal to move forward to a larger home given your families' needs.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy.

Feel free to reach out via whatsapp or email via my contact below so we can discuss further.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Good day to you.

The owner and essential occupier must meet the MOP requirement before they can qualify to buy a second unit. In your situation, after fulfilling the MOP, you can look for a 5-bedroom unit and sell the HDB at the same time. With effective time management, the transition can be very seamless.

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Mike Lim
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Hi, appreciate your sharing. Upon MOP, able to check what are the measures and current ruling before you are able to proceed.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Yes, your agent is right. As long as you are still within MOP, you cannot enter into any form of purchase even if the development is only going to TOP in a few years. You are only able to enter into any form of interest to purchase a private residential property after you have met your MOP. Read More

https://www.linkedin.com/pulse/how-to-plan-3m-new-launch-purchase-when-youre-still-mani-ukwlc

How-To Plan a $3M New Launch Purchase When You’re Still Under HDB MOP as an Essential Occupier? #AskRealtorMani

???? Why essential occupiers must also satisfy MOP before buying private property?

???? Is there ANY legal exemption allowing early booking of a new launch?

⏳ Can I de-list myself as essential occupier temporarily to buy earlier?

???? Is buying under sole name while being essential occupier still restricted?

???? Will banks assess loan differently if purchase happens right after MOP ends?

????️ Which new launch projects (TOP 2028–2030) match your timeline best?

???? Will delaying purchase by 1–2 years risk price increases in CCR/RCR?

???? How does your family size affect layout selection for 5-bedroom units?

???? Should you buy 5BR new launch or consider a larger resale condo now?

???? How can you structure everything for zero gap between MOP completion and new home move-in?

✅ HDB rules are strict — essential occupiers must complete MOP before buying any private property, even new launch.

???? Removing yourself as essential occupier now will reset MOP for the entire household — not recommended unless fully planned.

???? Best strategy: shortlist 5BR new launches NOW → book immediately when your MOP ends in 2028.

????️ Choose projects with long TOP dates (2028–2031) to align perfectly with your MOP.

???? Prepare your Loan Eligibility NOW — income, credit, TDSR — so you are “purchase-ready” the moment MOP ends.

???? Consider larger resale condominiums first if you need to move sooner — they allow full flexibility post-MOP.

???? Don’t panic-buy — luxury and large-unit prices move slower due to niche buyer pool.

????‍????‍???? A $3M budget gives you strong options in Core Central and City Fringe — shortlist early to avoid rushed decisions.

???? Let me map out a no-gap strategy so your new condo keys come right when MOP ends — ZERO waiting, ZERO renting.

???? Get project-by-project analysis (layouts, PSF projections, TOP timelines) to choose the best 5BR unit for your family.

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???? Mani
Your Family Realtor, Top 1% Real Estate Voice on LinkedIn, Singapore
Connect with me, subscribe to my LinkedIn newsletter with 1000+ Property problems solved.
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I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hi there, understood your desire to upgrade straight after the 5 year MOP is up. however HDB rules does dictates that we can only purchase a new unit after MOP. However if we have any special or strong reason for the purchase, we can try to submit an appeal to HDB for special arrangement. If you are keen to find out more, feel free to drop me a call or text for a more detail discussion

Rix Jim.
Propnex
 9687 1379 
rix.jim@hotmail.com Read More

Hi Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More

(✔1)
Both the owner and essential occupier must **complete the MOP** before considering a second property purchase.

(✔2)
After fulfilling the MOP, you can plan to **sell your HDB and acquire a larger 5-bedroom unit** simultaneously for a smooth transition.

(✔3)
Until the MOP is met, you **cannot commit to any property purchase or reservation**, even if the development will TOP in the next few years.

✔Patience is bitter, but its fruit is sweet. Aristotle✔
WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

You’re right to check early, but no — you’re not allowed to book a new launch while you’re still serving MOP as an essential occupier. HDB rules treat essential occupiers the same as owners when it comes to owning another property, so you’ll only be eligible to buy a private new launch after your MOP ends in 2028.

Once the MOP is over, you can go ahead to purchase in your sole name with no restriction. If you want to minimise the gap, the usual approach is to shortlist projects now, track launch timelines, and commit as soon as you’re legally allowed.

If you want, I can help you map out which 5 bedders fit your budget and expected TOP window.
Aren Goh, PropNex
 96576701  Read More