Silas Tan
District Director · Huttons Asia Pte Ltd · Co-Founder, TRIBE · CEA R000303I
Former mortgage banker (AVP) · Property investor
Home advice · Singapore
Should you buy, sell or wait?
We help Singapore households work out when to move, what they can comfortably afford, and which home fits the way they live.
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New Project Scorecard84 graded
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Illustrative example
Upgrading from HDB: buy first or sell first?
The same move, two orders. Here is what each order asks of you.
A family in an HDB flat wants to move to a condo. They can buy the new home first, or sell the flat first. Both can work; the questions are different.
Buy first
- Cash for the next home
- Most has to be ready before the flat money comes in
- Timing of the sale
- You hold two homes until the flat sale completes
- Where you live
- Often one move, if the new home is ready before the flat is handed over
- If it slips
- Plan B if the flat sells late or for less
Sell first
- Cash for the next home
- You know your sale proceeds before you commit
- Timing of the sale
- You choose when to list, then buy
- Where you live
- May need a stay in between, depending on when the new home is ready
- If it slips
- Plan B if the right home takes longer to find
Buy first trades cash and a deadline for a chance of moving once. Sell first trades a possible stay in between for certainty on the money. How it plays out depends on when each home completes, and which order suits a household depends on its cash buffer and how it lives, not on the market.
Illustrative only: not a real client and no figures. Your own numbers, stamp duty and loan terms need checking for your case.
Run your own numbersHow we help
Three questions before you commit
When to move
Buy, sell, both, or wait. We map the order and the dates that keep you safe.
What you can comfortably afford
Cash, CPF, loan and a buffer, so the monthly payment still leaves room to live.
Which home fits
Size, schools, commute, sun and resale, matched to the way your family lives.
The research behind the advice
Our working, in public
Resale Property Scores
Resale condos graded, with the full method published.
See the scorecardsUnit Selector
See which way each stack faces, what the window looks at and how the sun falls, across new launches, resale condos and HDB estates.
Pick a unitResearch and insights
Plain-English reads on launches, rules and the market.
Read the latest
Price Check
Found a unit? Ask us if the price is right.
Pick the condo. We’ll tell you how the asking price compares with recent sales in that stack.
New launches by district
Insights
Latest Singapore property analysis.
8 November 2026 · HDB
Matched on Lease, November's BTO Flats Are 31% to 45% Below Resale
HDB's November exercise closes on 11 November. In the six projects with a resale market, four-room prices sit 30.6% to 44.6% below a lease-matched resale flat in the same town. Bedok's raw town median puts the gap at 9.3%, understating it by 21.7 points.
Read article →7 November 2026
Waiting Out the Index Saves This Upgrader $756. Their Loan Choice Is Worth $69 a Month.
An illustrative Tampines couple sell a four-room at $670,000 to buy a five-room at $810,000. Another three quarters of index decline at the current pace narrows that $140,000 step by $756. Financing the same step at 2.60% instead of 1.60% costs $69 a month, every month, for 25 years.
Read article →7 November 2026
The HDB Index Fell 0.54%. Matched Four-Room Prices Span 5.89 Points by Town.
HDB's resale index has fallen three quarters running, to 202.5. Across 5,379 four-room resales, holding size, lease, storey and town still, the market price fell 0.28% — the index is right. But the same-quality price moved across 5.89 points between towns, and the unadjusted town median overstates Clementi's move by 9.92 points.
Read article →What clients say
Read client reviews A home-first team at Huttons Asia
Hao Feng
District Director · Huttons Asia Pte Ltd · Co-Founder, TRIBE · CEA R064409H
Property investor · A decade of sales experience in logistics · Systems and process
Personalised consultation
Talk it through before you commit.
Your situation, budget and timing decide the rest. We’ll help you plan the move around them.