12/06/2026
π "Should I sell my HDB first, or buy my new condo first?"
Get asked this almost every week. In 2026, for most upgraders, it really isn't close.
Buy first on a $1.2M condo and ABSD alone runs you $240,000 upfront. Your TDSR also takes a hit, so the loan you qualify for shrinks. And CPF rules will sit on your HDB sale proceeds longer than most people plan for.
Sell first, and most of that disappears. The cases where buying first actually makes sense are pretty narrow, and very specific.
Swipe through for the full math β‘οΈ plus the rule a lot of upgraders read backwards.
https://wa.me/6594878820