The same trap HDB owners fell into in 2017 is setting up again.
Between 2017 and 2019, HDB resale fell 1.5 percent while private condos rose 30 percent. The supply numbers for the next three years have already been announced.
The biggest mistake is rarely the property. It is the structure.
How you and your spouse hold the title — joint tenancy, tenancy-in-common, or 99/1 — shapes your ABSD, CPF and exit. In plain language.
Your downpayment might be too big.
Putting more cash down feels safe. Often it quietly drains the buffer that protects your upgrade. Why a bigger downpayment can be riskier.
The framework I used on my own upgrade. And on every client since.
The exact framework Heikal used on his own Tampines flat at MOP — how to know whether upgrading is safe before any showflat.