AskGuru Q&A Community

Hi,
I would suggest you do the HFE first. This is where it all starts and your answers will become clearer when the application is approved. As agents we cannot comment as every individual HDB application is unique due to the family composition.

Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Hi, usually when people plan to upgrade their flats, they will choose to find a new house first. Depending on whether you are looking at a BTO or resale, the procedures might be slightly different. There is a small risk of not having a house to stay in if the house is sold before securing another house. Another thing to note will be the timeline, and downpayment will still be required on your end for the house.

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

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

https://www.era.com.sg/R064892F

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

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

1. Apply for the HFE first — it’s the foundation of your housing journey. Each submission is assessed individually based on family makeup, so clarity only comes after approval.

2. Many prefer securing their next home before selling. The resale and BTO routes have different processes, so understanding which path you're taking helps streamline decisions.

3. There’s a possibility of a gap in accommodation if your current flat is sold before a new one is confirmed. Strategic planning is key to avoid such issues.

4. You’ll need to prepare funds for the next property’s downpayment, regardless of whether your existing flat has been sold.

5. Temporary housing or applying for a completion extension may serve as a safety net during the transition.

6. Partnering with a professional agent early ensures that each step is tailored, timely, and in sync with your long-term plans.

*"The best way to predict the future is to create it." – Abraham Lincoln*

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”
=========
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*** Conn Read More

I will always recommend that both the sale and purchase process to be done concurrently as I understand the anxiety for clients who are afraid to sell first, fearing that they are unable to find a place they like, or fear to purchase first as they worry they are unable to get a buyer for their current place, and end up make a compelled decision due to either.

By doing both simultaneously, the clients will usually be able to determine what are their options available when it comes to purchase and when an offer comes for their own place, they should be able to make a more informed decision on the sale and purchase.

Do up your HFE first perhaps and we can brief you more about the transition to allow you a better idea on what can be expected.

——

I have been in the real estate business since 2009, with more than 15 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 15,900 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.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Senior Division Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Good day to you,

You need to ensure that none of the other main applicants have used their first-time application opportunity on the current application. If they have, this may result in needing to pay a resale levy.

To simplify the process, I suggest that you submit the HFE application for assessment.

With that, you can submit your application for the BTO selection that your family is interested in and pay the deposit after the selection process. You can utilize the Enhanced Contra Facility if both your current unit and the upcoming unit are financed by an HDB loan.

Once HDB confirms the estimated key collection date, you can begin marketing your current unit. Planning and timing are crucial, especially when it comes to incorporating renovation and settling into the new unit before handing over the current one.

Let's get in touch for a detailed discussion to help make your intentions a reality.

Navigate Property Decisions with Confidence

With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

I offer in-depth knowledge in:
Ø Estate Planning and Distribution: Planning for the future can feel daunting. Let’s work together to create a smooth, transparent process that brings peace of mind.
Ø Divorce: Navigating property settlements during a divorce can be challenging. I provide expert guidance to help you achieve a fair and efficient outcome.
Ø And More: From Power of Attorney to navigating financial challenges, I handle various situations to address your concerns and empower you to move forward confidently.

Schedule a Free Consultation Today! Let's discuss how I can assist you in your property journey. For more informative insights, follow our short video here: https://www.youtube.com/@YourSGHomeCompass-MLnU.

Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Hi Michael,

If you are buying a new BTO flat, I would suggest for you to sell only when the new flat is ready so that you are able to move directly from the current flat to the new one without the need for an interim housing solution. You can make sure of the ECF facilities if your current flat is under a HDB loan and the next flat is also under HDB loan or you intend to fully pay off the next flat with the current flat sale proceeds.

We will need to do up the sums to see whether financially it is feasible for the move. Please feel free to contact me so that I can gather more information from you and work out the sums for you so that you can get a better picture.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

SEAA Salespersons Achievement Platinum Award 2020/2022/2023

WhatsApp: https://wa.me/qr/X6VRPGSSIHN5D1

Visit my website to get to know me better:
www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

Testimonial from my Clients
Nick is THE absolute best agent, guide to navigating the property market in Singapore. From selling to buying, he manages to get the absolute highest when selling and negotiators to the absolute lowest when purchasing. (So double win for me!). In fact, I bought my new home at the absolute lowest transaction across all the transacting homes. Most agents would just give vanilla advice, he puts scrutiny into every potential choice we were making by advising potential gains, rental yields, back up plans. I think we went through a whole list of more than 20 + before narrowing down to a few high potential properties! Super responsive to our questions and handheld us through the process and even answered questions in the middle of the night. Would absolutely recommend working with Nick for anyone looking to buy, sell or just advice!
Kenneth (Seller and Buyer) Jan 2025

Nick was introduced to me by a friend who learned that my previous property agent wasn’t meeting my expectations. During our first phone call, Nick quickly grasped my concerns and provided a detailed financial plan the next day. Since switching to Nick, selling my house has been much more relaxed. His virtual tour and informative fact sheet eliminated the need for my family and me to be constantly present for viewings by unsuitable buyers.
Nick was invaluable in purchasing my next property. He sourced units within my budget and analysed price trends of condo projects I was interested in. With Nick’s assistance, the buying process was seamless, and he expertly coordinated the sale of my current unit with the purchase of the next. Kudos to Nick for his outstanding service and advice!
Eileen Chen (Seller) June 2024

During Nick’s presentation to us, he showed confidence and resourcefulness. He showed us his various methods of reaching out to potential buyers instead of just relying on Propertyguru. He also saw the potential of our home to sell at our projected price. Where other agents deem impossible to achieve, he did his analysis and deems it reasonable and achievable. Nick proves trustworthy. From time to time, Nick will update us on the progress and on any viewing. He will filter buyers who could not meet our asking price and provide update and advice on the offers. We are grateful that he helps us to negotiate for a good price for our home. In summary, Nick is dedicated, resourceful, trustworthy and willing to take challenges.
Sunny Ng (Seller) April 2024

Selling our house was a pretty stressful ordeal, as we have already committed to buying our new home and hence have a timeline to meet. Losing a substantial deposit and worse still, not getting our dream home caused many sleepless nights as we are nearing our deadline. I am very glad we have decided to switch to Nick and seek his help after the dismal performance of our first agent. Not only is Nick very patient in explaining things to us, time and time again Read More

1. Apply for the HFE first — it’s the foundation of your housing journey. Each submission is assessed individually based on family makeup, so clarity only comes after approval.

2. Many prefer securing their next home before selling. The resale and BTO routes have different processes, so understanding which path you're taking helps streamline decisions.

3. There’s a possibility of a gap in accommodation if your current flat is sold before a new one is confirmed. Strategic planning is key to avoid such issues.

4. You’ll need to prepare funds for the next property’s downpayment, regardless of whether your existing flat has been sold.

5. Temporary housing or applying for a completion extension may serve as a safety net during the transition.

6. Partnering with a professional agent early ensures that each step is tailored, timely, and in sync with your long-term plans.

*"The best way to predict the future is to create it." – Abraham Lincoln*

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ” Read More

Hi,

1) In terms of down payment, it will be the same for buying a resale and BTO.
2) It is the final payment that has a significant difference.
3) Both has to pay the final payment when the key is ready for collection. For resale, it is around 2 months from paying the down payment, whereas, for BTO, it could be 3~4 years down the road.
4) ECF is the term used for buying resale, it means that the sales proceed will be used to pay for outstanding amount of the purchase directly without waiting. This is especially convenient for those selling and buying at the same time. Otherwise, you have to wait for 14~21 days for the CPF to return to your account before able to be used to pay for your purchase.
5) It is known as Contra Facility (CF) when come to buying an BTO. It means the same thing in terms of function.
6) If this current 3-room flat is bought from HDB direct. There is another thing you have to consider, the resale levy. This is an amount that need to pay to the HDB when buying a 2nd subsidized flat.
7) The resale levy is $30,000 for a 3-room flat. This amount has to be paid in cash only. You may paid in cash as a single lump sum at key collection appointment or deduced from the net proceeds upon the sale of the 1st subsidised flat. Any shortfall must be paid in cash.
8) There is no resale levy when come to buying a resale flat.

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
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer
https://www.linkedin.com/in/ckling/ Read More

Have you applied HFE?
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, goood day, I will be happy to assist, as upgrading comes with certain risk in terms of finances and resale levy if any.

The first step is to apply HFE and check on ur loan eligibility if any.

Buying and selling can be done with proper timeline planning too.

Depends if u are looking at resale or new BTO.

Will this be your stepping stone and with the intention to upgrade and elevate your assets or as a potential for passive income too in the near future too ?

Please reach out to me at 9821 6829  and we can discuss further on various options , looking forward to hear from you soon, thanks.

Cheers,
Shoan
PropNex
www.shoanproperty.com
IG/FB/TT @shoanproperty Read More

Hi

I assuming you meant to upgrade to a resale completed 5-room flat, from your existing 3-room flat. Is your MOP of 5 years already fulfilled?

If you are eligible for contra facility (ECF), advise to go for that so that the chance of initial higher upfront cash outlay will be avoided. And the sale proceeds and CPF refund can be ported over to the next flat seamlessly with less processing time. To do so, you must not be taking bank loan for current house or for the next flat.

Typically I will advise my client to do both sale & purchase concurrently, especially if their next flat has only very limited options (tight budget, specific location and blocks etc.). This is such that if you find a flat you like, you can put a deposit first and potentially have a ready buyer on hand to go ahead with your house. It also allows the possibility to coordinate both timelines such that you only need to move once after the sale.

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
ERA Multiple Diamond Award Achiever

SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
ERA Top 64th Achiever in March 2024 (Top 1% Company Level)
ERA Top 37th Achiever in Oct 2023 (Top 1% Company Level)
ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
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**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! **

-- HDB Executive Maisonette Sellers, Mr & Mrs Yeo --

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!

HDB 3-room upgrader

Mr. Emman & Mrs. Charo Moneda : We are extremely pleased to have engaged Ivan Ng to assist us in the sale of our 3 RM HDB flat and buying a 4RM HDB flat. Ivan made the stress of selling & buying our house as minimal as possible! We thank him for bearing with us and adjusting with the different demands. Ivan displayed an exemplary drive to ensure that we were able to sell and buy our property within the given time frame. He used his very good negotiating skills to obtain the very best deal for us. A very dependable property agent. We recommend him without hesitation. Thank you Ivan! Read More

hi,

For all my clients who are upgrading their properties, I always manage the sale and purchase concurrently to ensure a smooth transition. Ideally, the buyer of your current property should exercise the Option to Purchase (OTP) before you commit to the OTP for your next home.

I’ll plan the timeline carefully so that the sale completion takes place about three weeks before the purchase's completion. This allows enough time for your CPF funds to be refunded and used for the next transaction. We can also explore Enhanced Contra Facilities to further ease the cash flow.

Additionally, I recommend negotiating a 3-month extension stay with your buyer, so you have more time to move and complete the buying process comfortably.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and looking out for great deals and even tailor-made property proposal geared towards their needs. Will certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our neighbourhood to understand what she was marketing. During the marketing period, she managed potential buyers and provided timely updates and recommendations so we could stay on top of the process. Overall, Jenny was professional and helped us to achieve a positive result which we are very thankful for--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More

Hi, appreciate your sharing. Able to meet up and share the few options and allow you to decide.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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