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
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