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Moving up from an HDB flat, an EC that has served its MOP, or a condo you have outgrown — equity, timing, sell-first versus buy-first, and the cash you need on hand.
Four paths open up the moment your EC becomes sellable — sell and upgrade, sell and right-size, hold and stay, or decouple and buy a second property. Here is how to tell them apart.
Executive condominiums and private condos look similar from the carpark. The differences are in eligibility, financing, resale restrictions and who you can eventually sell to.
The loan covers the largest line, so people assume the rest is small. It isn't. Here is every cash and CPF outlay in an upgrade, in the order you will be asked for it — the same whether you are selling an HDB flat, an EC or a condo.
The same question whether you own an HDB flat, an EC or a condo. It depends on your cash position, financing capacity, CPF usage and ABSD exposure — and whether you could genuinely carry both properties if the sale took longer than expected.
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