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Hi,

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.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

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, appreciate your sharing over PropertyGuru, able to share the timeline and back to back
Looking forward to assist you at WhatsApp +65 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart
PropNex Senior Associate Division Director Read More

I am not exactly sure what do you exactly mean by Contra. Do you mean you will require the funds of your existing place to be ready in order to complete the purchase of your new BTO?

If you mean that, perhaps you maybe unaware that HDB offers Contra Payment Facility, which can help you to:

1) Reduce the cash outlay needed for your booked flat
2) Reduce the housing loan amount needed and the subsequent monthly repayments
3) Collect the keys to your booked flat and renovate it while selling your existing flat

You will have to redeem this additional loan with the net proceeds from the sale of your existing flat. Interest will be charged for this additional loan based on the interest rate charged for your HDB housing loan.

Otherwise, a proper timeline planning can be done for the transition from sale to the completion of purchase.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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

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This is a very common transition, and i'll be happy to support your move! Just a few minor timeline and financial matters to take note of which I can manage for you.

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.

My framework also ensures you get the highest prices for the 4 room unit you are selling.

Drop me a note via whatsapp or email below:

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

Hi

Do you have enough funds (cash + CPF OA) to pay for the balance purchase price of the new flat and resale levy (if any)? If so, you need not do contra. If not, you will have to sell first to unlock the funds for balance purchase price, before hdb will allow key collection.

I have worked on various similar cases and helped the owners to smoothly transit to their new BTO with extension timeline. Look forward to assist for your sale as well.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans over the years. Please reach out to me at (65) 9 7 4 3 2 3 9 5 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
ERA Senior Marketing Director
ERA Multiple Diamond Achiever

SIEA's Salespersons Achievement Award (Platinum) 2025
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Mr & Mrs Wee : We would like to share our appreciation and commendation to Ivan for their professionalism and dedication in handling our property transaction. It was a great pleasure to work with him as he was patient throughout the entire process and explained to us and clarified any doubts we had without fail. He was also very prompt in responding to all the queries we had. While we were unsure if we were able to sell off the property in time, Ivan constantly reassured us that it was possible and offered his professional advice. In fact, he managed to secure an offer to sell the property above our expected price while concurrently negotiated the buying price for our next property. Having Ivan as our agent significantly made the entire process seamless and fuss-free. We will definitely recommend Ivan to our family and friends. Read More

✔1 The HDB Contra Scheme requires you to sell your old flat and collect your new BTO keys on the **exact same day**, leaving you with zero time for renovations unless you negotiate a 3-month extension of stay with your buyer.

✔2 Because your current home is fully paid up, you can choose to collect your BTO keys first, complete your renovations smoothly, and then sell your old flat within HDB's mandatory **6-month grace period**.

✔3 Your choice depends entirely on your financial liquidity: use the Contra route if you strictly need the cash/CPF from your old flat to collect the BTO keys, or choose the 6-month window if your current balances can cover the collection costs upfront.

WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:

https://wa.me/6598569255

Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

✔✔✔You can READ my REVIEWS here:Able S K Toh

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

For PRIVATE HOME BUYERS

✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge

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✔✔ WhatsApp: https://wa.me/6598569255
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CHINESE VERSION // 中文版本

如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。

✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255 
WhatsApp：https://wa.me/6598569255

✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

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--------------- 结束 / The END ------------------ Read More

Hi,

1) The advantage of using Contra Payment Facility are:
(a) Reduce the cash outlay needed for your booked flat
(b) Reduce the housing loan amount needed and the subsequent monthly repayments
(c) Collect the keys to your booked flat and renovate it while selling your existing flat

2) To qualify for the Contra Payment Facility, you must have:
(a) Booked a flat and received an invitation to collect the keys
(b) Applied to sell your existing flat
(c) Fully redeemed your housing loan of your existing flat, if the loan is provided by a financial institution (FI)

3) You must be:
(a) Eligible for a housing loan from HDB, and are using it for your flat purchase (if applicable)
(b) Able to cover the full purchase price of the flat using the following funds:
(i) CPF Ordinary Account balance
(ii) Cash and CPF proceeds from the sale of your existing flat. You may retain up to $20,000 from the CPF refund.
(iii) Maximum housing loan from HDB that you are eligible for following credit assessment

If the funds above are insufficient, you must be able to top up the shortfall within the time period HDB provides, before the request for the Contra Payment Facility can be approved

4) There are few concerns you must take note:
(a) If this is your 2nd HDB loan, 50% of the cash proceed will be deducted to pay for the BTO.
(b) The Contra Payment Facility does not cover the downpayment of your flat purchase.
(c) You will be invited to collect the keys to the booked flat on or after the date of approval of your resale application to sell your existing flat.
You can choose to use either a CPF contra arrangement, or a CPF and cash contra arrangement.

5) Please be reminded that if you intend to take a bank loan, then you will not be eligible for this contra payment facility.
6) While the contra facility covers most of the purchase price other than the downpayment, it does not cover the ancillary costs.
7) You must pay the following separately using existing CPF fund or cash:
(a) Buyer's stamp duty
(b) Legal fees
(c) Administrative charges
7) Do take note that you are not eligible to the Temporary Loan Scheme (TLS), since this is a scheme to help owners who are rightsizing to a smaller flat.
8) You may apply for the facility request when apply to sell your existing flat if you meet the above requirements, and you are comfortable with the restrictions.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 9011*0636 or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
9011 * 0636
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/ Read More

Hi Fook Kwee,

Congrats on getting a new 4 room BTO. I have assisted many of my clients who are in the same situation, moving from a resale flat into their new BTO flat.

There are a few possible approach to this. If you have sufficient funds on hand, I would suggest that you collect the keys first while selling the flat as this is allow a lot more flexibility in terms of timeline and you will be able to secure the best offer from a bigger pool of buyers.

If you need the sale proceeds from your current place to pay for the new BTO, then we will do the sale and purchase concurrently by contra and plan the timeline such that you are able to get some time for renovation and moving.

Please feel free to contact me privately so that I can understand your situation better and run through the different scenarios with you to determine which is the best approach.

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 2020/2022/2023/2025

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

I would like to express my sincere appreciation for the excellent work you have done in managing both the sale and purchase of my condominium.
Throughout the entire process, you demonstrated strong market knowledge, professionalism and attention to detail. Your clear guidance at each stage — from pricing strategy and marketing, to viewings, negotiations and completion — gave me confidence and made what could have been a stressful experience very smooth and well managed. I am especially grateful for the way you coordinated the timelines between the sale and the new purchase, ensuring everything proceeded seamlessly. Your responsiveness and willingness to address my questions promptly were greatly appreciated. Thank you once again for your dedication and support. I am very pleased with the outcome and would be glad to recommend your services to others seeking a reliable and professional housing agent.
Jane Chng (Homeowner and Investor) 2026

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) 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) 2024

During Nick’s presentation to us, he showed confidence and resourcefulness. He Read More

hi,

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
SRI Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@sri.com
BSc (Real Estate) (Hons)-NUS
Tiktok: https://www.tiktok.com/@jennytransg
Instagram: https://www.instagram.com/jennyyyttt/
Fb: https://www.facebook.com/jennytranrealestate

Testimonial from Satisfied Clients
1. Jenny was honestly everything I could have hoped for in a real estate agent. She helped me sell my house and also found me a great new property, and I always felt she was genuinely looking out for me throughout the process.
What I appreciated most was that she was honest, trustworthy, and very reliable. She was always responsive, explained things clearly, and gave practical advice rather than just pushing for a quick deal. She also had a really good analytical eye — whether it was pricing, timing the sale, comparing different properties, or thinking through the numbers, she helped me make decisions with confidence.
She really went the extra mile, from handling the small details to guiding me through negotiations and making the whole process much less stressful. I’m very grateful for her help and would highly recommend her to anyone looking for an agent who is professional, sharp, and genuinely cares-- Aaron Ho (Resale condo seller & buyer)
2. 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)
3. 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 Cheong ( HDB seller)
4. 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)
5. 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)
6. 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) Read More