31/07/2026
🚨 𝗠𝗮𝗷𝗼𝗿 𝗣𝗼𝗹𝗶𝗰𝘆 𝗨𝗽𝗱𝗮𝘁𝗲: 𝗣𝗿𝗶𝘃𝗮𝘁𝗲 𝗛𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗡𝗼 𝗟𝗼𝗻𝗴𝗲𝗿 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗪𝗮𝗶𝘁 𝟭𝟱 𝗠𝗼𝗻𝘁𝗵𝘀 𝘁𝗼 𝗕𝘂𝘆 𝗮𝗻 𝗛𝗗𝗕 𝗥𝗲𝘀𝗮𝗹𝗲 𝗙𝗹𝗮𝘁!
After nearly four years, the Singapore government has officially removed the 𝟭𝟱-𝗺𝗼𝗻𝘁𝗵 𝘄𝗮𝗶𝘁-𝗼𝘂𝘁 𝗽𝗲𝗿𝗶𝗼𝗱.
Effective immediately, eligible private homeowners who sell their property can purchase a resale HDB flat right away (without taking an HDB housing loan), instead of waiting 15 months.
This is great news for homeowners looking to 𝗿𝗶𝗴𝗵𝘁-𝘀𝗶𝘇𝗲, 𝗿𝗲𝘁𝗶𝗿𝗲, 𝗼𝗿 𝘂𝗻𝗹𝗼𝗰𝗸 𝗲𝗾𝘂𝗶𝘁𝘆 from their private property.
𝗪𝗵𝘆 𝘄𝗮𝘀 𝘁𝗵𝗲 𝗿𝘂𝗹𝗲 𝗿𝗲𝗺𝗼𝘃𝗲𝗱?
The main reason is that the HDB resale market has stabilised.
𝗟𝗮𝘁𝗲𝘀𝘁 𝗱𝗮𝘁𝗮 𝘀𝗵𝗼𝘄𝘀:
📉 1Q2026: HDB Resale Price Index fell 0.1%
📉 2Q2026: Prices declined another 0.3%
This marks two consecutive quarters of price moderation.
At the same time, housing supply is set to increase significantly as more flats reach their 𝗠𝗶𝗻𝗶𝗺𝘂𝗺 𝗢𝗰𝗰𝘂𝗽𝗮𝘁𝗶𝗼𝗻 𝗣𝗲𝗿𝗶𝗼𝗱 (𝗠𝗢𝗣):
✅ 2025: ~8,000 flats
✅ 2026: ~13,500 flats
✅ 2027: ~15,000 flats
✅ 2028: ~19,500 flats
With more resale supply entering the market, the government is confident enough to lift the restriction.
𝗪𝗶𝗹𝗹 𝗛𝗗𝗕 𝗿𝗲𝘀𝗮𝗹𝗲 𝗽𝗿𝗶𝗰𝗲𝘀 𝘀𝘁𝗮𝗿𝘁 𝗿𝗶𝘀𝗶𝗻𝗴 𝗮𝗴𝗮𝗶𝗻?
This is probably the biggest question everyone is asking.
Most analysts believe that transaction volumes may increase, but prices are 𝘂𝗻𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗼 𝘀𝘂𝗿𝗴𝗲.
𝗪𝗵𝘆?
✔️ More BTO launches
✔️ A growing number of MOP flats entering the resale market
✔️ Buyers still have alternatives such as Executive Condominiums (ECs) and private homes
As a result, HDB resale prices are still expected to remain relatively stable, with projected growth of around 0.5% to 2% for the full year.
𝗪𝗶𝗹𝗹 𝘄𝗲 𝘀𝗲𝗲 𝗺𝗼𝗿𝗲 𝗺𝗶𝗹𝗹𝗶𝗼𝗻-𝗱𝗼𝗹𝗹𝗮𝗿 𝗛𝗗𝗕 𝗳𝗹𝗮𝘁𝘀?
Possibly.
Some private homeowners who downgrade may choose larger, newer, and better-located resale flats, which could support demand for premium HDB units.
However, these transactions represent only a small portion of the overall resale market, so the impact on overall HDB prices is expected to remain limited.
𝗠𝘆 𝘁𝗵𝗼𝘂𝗴𝗵𝘁𝘀 💭
This policy change sends a clear signal that the government believes the HDB resale market has become more balanced.
For homeowners planning to right-size, retire, or improve their cash flow, the removal of the wait-out period offers much greater flexibility.
While activity in the resale market may increase, the combination of rising supply and a more balanced market should help keep overall HDB prices relatively stable.
💬 𝗪𝗵𝗮𝘁 𝗱𝗼 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗶𝘀 𝗽𝗼𝗹𝗶𝗰𝘆 𝗰𝗵𝗮𝗻𝗴𝗲?
Do you think it will lead to higher HDB resale prices, or will the market remain stable?
Share your thoughts in the comments! 👇