Direct answers to common questions about buying, selling, and financing property in Singapore.
The short answer is yes. You can buy your next flat before selling your current one. However, you must plan the timing according to HDB's rules and regulations. Having an experienced agent can help make the process much smoother.
You don't have to use one — HDB now lets you buy and sell directly. But most people still do, because an agent catches costly mistakes and handles the tight deadlines for you.
From signing the Option to Purchase to getting your keys, it usually takes 8 to 12 weeks. Add the time spent finding a buyer or a flat, and the whole journey often takes 3 to 4 months.
From signing the Option to Purchase to completion, it usually takes 8 to 12 weeks. It can be a little faster than HDB.
Bank loans currently offer lower interest rates, helping to reduce your monthly repayments. HDB loans provide a stable interest rate and allow the down payment to be fully paid using CPF. Chat with me to learn more about how you can pay less interest fees!
For a HDB loan, it's 25%, and CPF alone can cover it. For a bank loan, it's usually 25% for your first property with at least 5% in cash — the amount goes up if it's your second or third property.
Correct as of July 2026. Please verify current rates with HDB or your bank.
MOP stands for Minimum Occupation Period — the years you must live in your flat before you're allowed to sell it. It's 5 years for most flats, and 10 years for Prime and Plus flats.