Get a Free CPF & Timeline Plan Designed Around Your HDB and Goals
Most People Lose Money Upgrading Because of One Thing: TIMING
Discover EXACTLY when to sell or buy with a FREE CPF & Timeline Report to avoid ABSD or CPF surprises
For Singaporeans upgrading from HDB to condo within the next 3–12 months.
The Real Reason Why Most Upgrades Go Wrong
Most homeowners assume upgrading is simple:
Sell Flat → Buy Condo → Move In.
But here’s what actually happens when things go wrong:
You sell your HDB… but can’t buy in time — and end up renting for 6 months with your family
You buy first… and trigger ABSD because your HDB hasn’t sold yet
Your CPF refund gets delayed — so your funds are locked, and you need a bridging loan
You choose a condo that fits… until you realise your mortgage just ballooned by $1,200/month
You miss the launch you wanted because you weren’t ready when it dropped
Every one of these situations costs real money — or real stress.
So even if the condo is “affordable” — the upgrade can still fail.
And most people only realise it when it’s too late.
Why Timing Mistakes Cost More Than You Think
ABSD PENALTY TRAP
Buy First
You Buy First - You secure a new launch condo at $2M before selling your HDB.
Can’t Sell
Flat Doesn’t Sell in Time - You have 6 months to complete your sale — or else…
Lose $400K
You Pay $400,000 ABSD - Just one delay and the 20% ABSD is gone — no refund, no appeal.
CPF TIMING GAP
Sell First
You Sell Your HDB - Completion done — CPF refund in progress.
CPF Delayed
CPF Takes 6–8 Weeks - Condo payment due next month — CPF not in yet.
Can’t Pay Condo
You Scramble or Miss Out - Either you delay, borrow, or lose the booking altogether.
BRIDGING LOAN STRESS
CPF Not Ready
CPF Refund Not Ready - You need cash now — but your CPF funds aren’t usable yet.
Need Bridging
You Take Bridging Loan - Short-term bank loan to “bridge” the gap.
Double Payments
You Carry 2 Loans at Once - You’re paying interest on both — and risk loan rejection if flat sale is delayed.
These aren’t one-off cases.
In fact, these happen all the time to most of my clients — just because no one explained how the timing works before it was too late.
What Our Customer Says
You Don’t Need to Upgrade Perfectly
You Just Need to Avoid the 3 Timing Traps
Most families only upgrade once.
That’s why I don’t start with listings or prices.
I start with a CPF & Timeline Plan — so none of those mistakes in the previous section ever happen to you.
With this plan, you’ll know:
Whether to sell or buy first — based on CPF timing, ABSD deadlines, and your financial position
When your CPF refund will actually be usable — not just when it’s “in your account”
How to avoid bridging loans, rushed sales, or $360K ABSD losses
We call it the S.T.A.G.E. Framework — and it’s built to de-risk your entire upgrade journey from Day 1.
It’s the same upgrade plan I’ve used with hundreds of families across Singapore —to make sure no one gets blindsided by a CPF delay or ABSD penalty they didn’t see coming.
S — Sequence First
Should you sell or buy first? We plan it based on CPF refund timelines and your ABSD risk.
T — Timeline Control
We map your sale/purchase dates so every step — from HDB completion to key collection — flows smoothly.
A — ABSD Defence
We ensure your timeline meets remission criteria — and protect you from costly missteps.
G — Gameplan for Cash
We break down what you need in CPF and cash at every stage. And if a bridging loan is needed, we’ll plan it precisely — with HDB approval letters, fund disbursement, and timelines locked in.
E — Execute When Ready
Only once your plan is clear do we help you choose a unit that fits.
See How I Helped This Family of 6 Upgraded — Without Renting or Moving Twice
Wilson & Sabrina lived in a Tampines EA with 2 kids + 2 elderly parents
Other agents told them to sell first, rent for a year, then find a landed
That would’ve meant moving twice — expensive and disruptive
NOBODY told them stamp duty had to be paid in cash upfront before CPF reimbursement
When they came to me, I helped them secure a bridging loan and align their HDB sale with an approved extension
Their landed renovation and HDB handover were timed to flow seamlessly
Result: Moved directly from HDB into landed — no renting, no stress
Get a Free CPF & Timeline Plan Designed Around Your HDB and Goals
Most people only realise there’s a problem after ABSD kicks in or CPF gets delayed.
This free plan helps you avoid all that — by showing:
Whether to sell or buy first (based on your real CPF & ABSD timing)
What to expect from your CPF refund timeline
How to avoid bridging loans or rushed, stressful moves