Plan the move before committing to the sale.

Selling an HDB flat

Start with the checks that could affect your plan.

Before choosing a listing date, consider your applicable MOP, ownership circumstances and any eligibility questions that need confirming. A price discussion should also look at recent comparable transactions and how your flat differs from them.

The next steps can include:

• Identifying the checks relevant to your flat and household.
• Reviewing recent comparable sales as a guide—not a formal valuation or promised price.
• Discussing how to present the home's features clearly and accurately.
• Planning viewings, offers, documentation and completion around your circumstances.

A strong plan makes the trade-offs clearer. It does not guarantee a buyer, a price or an approval.

Ask a selling question

Selling and buying your next home

The sale and the purchase belong in the same conversation.

A headline selling price is not the same as the cash available for your next home. Outstanding loans, CPF refunds, costs and the timing of each payment need to be considered separately.

Start with three practical questions:

1. What funds can you actually use, and when?
2. What monthly commitment are you comfortable with?
3. Which dates and conditions must line up before you commit?

The planning tools can help you organise assumptions. Their stated exclusions still apply, and an estimate is not a loan offer or eligibility decision. Joint applications and unusual ownership or funding situations need individual checks.

Explore the upgrade worksheet

Ask about the sequence

Right-sizing

A smaller home should fit your life, not just your floor-area target.

Think about daily routines, accessibility, family proximity and the funds you want to keep available. Compare the practical differences between staying, moving and changing the type of home you own.

Before relying on a budget, confirm how any CPF refund can be used and whether the next-home option fits your circumstances. Do not assume every refund is immediately available for another purchase.

Talk through right-sizing

Inherited-property questions

Start with ownership and authority to act.

A family property can come with legal and HDB requirements that need to be clarified before a sale is possible. I can help identify the property-process questions, while legal advice, estate administration and official eligibility decisions remain with the appropriate professionals and authorities.

There is no need to send wills, NRIC copies or estate documents through the website enquiry form. Start with a general question.

Ask an inherited-property question

Comparing a new launch

Look beyond the brochure headline.

Compare the location, layout, tenure, published project information and what the purchase would mean for your budget and timeline. It is just as useful to understand why a project may not fit your needs as why it might.

The project directory links to the sources available for its named projects. It is not a complete market list, live stock feed or price guarantee. Availability, pricing and terms need to be confirmed before any commitment.

Browse the sourced project directory

Ask about a project

What happens when you get in touch

1. Tell me what you're trying to work out. A question, a rough timeline or a concern is enough to start.
2. Separate facts from assumptions. We identify what is known and which official or professional checks are still needed.
3. Decide your next step. That may be a clearer plan, another check or simply more time to consider your options.

Not ready to make a move? Ask the question anyway.

You don't need a perfect plan or a decision to sell before starting a conversation.