Thinking of Upgrading From Your HDB to a Condo? Get a Clear, Safe, and Realistic Plan.
If you're an HDB owner considering upgrading to a condo, EC, or a larger home, I help you understand your true affordability, layout your options clearly, and build a step-by-step plan that is financially safe and stress-free.
With rising lifestyle needs and long-term planning in mind, many HDB owners are now considering:
Wanting more space
Better facilities and convenience
Long-term capital appreciation
A better living environment for family
Planning for retirement or children’s future
But they often hesitate because of:
Affordability worries
Confusing rules and timelines
Selling vs buying first
Navigating home loans, MSR vs TDSR
Fear of making a costly mistake
A 30-minute consultation with me is done with one goal:
Give you clarity before you make any decisions.
Does This Sound Like You?
Most HDB upgraders I speak to share these concerns:
“Can I really afford to upgrade to a condo?”
“Should I buy first or sell first?”
“How do I avoid ABSD?”
“Will my monthly payments become too high?”
“Should I choose an EC or condo?”
“Which locations fit my budget and lifestyle?”
“What will my cashflow look like after selling my HDB?”
If these questions are holding you back—you’re exactly who I help.
My 3-Step Condo Upgrade Framework (Proven for HDB Upgraders)
1. Affordability + Cashflow Clarity
No pressure. Just numbers.
Detailed HDB sale proceeds estimate
Condo / EC affordability breakdown
Safe monthly instalment projection
MSR vs TDSR explained in simple terms
CPF + cashflow planning
Grants, timelines, and loan options
2. Property Strategy Built for Upgraders
We compare options based on your goals.
EC vs Condo vs New HDB
Resale vs New Launch
Areas that fit your lifestyle + budget
Potential for long-term capital growth
Investment vs own-stay decision-making
3. Stress-Free Execution
Designed to avoid rushed decisions and risky timelines.
HDB selling timeline mapped out
Buy-first vs sell-first evaluation
Avoiding temporary housing
Loan restructuring for a smooth transition
Step-by-step guidance till you move in
Real Stories From HDB Upgraders
3-Room HDB → EC Upgrade
Sold above valuation, reinvested proceeds, and upgraded with manageable instalments.
"I really appreciate the time and effort Mirta put into our consultation. She demonstrated great commitment to ensuring I understood the financial aspects of buying and selling a home. Her willingness to meet in person and walk me through loan calculations made the process feel much more manageable. Her approachable nature, patience and attentive listening is what sets her apart. Whether you're buying, selling or just seeking a consultation, her fresh perspective and dedication makes the experience stress-free. :)"
5-Room HDB → Condo (OCR)
Wanted facilities + long-term growth. Moved with a zero-rent timeline.
"Thank you sis Mirta for agreeing to meet up with my family in such short notice to discuss. She was super patient in explaining every detail and answering all of our queries. Thank you so much for your time sis."
Young Couple → 3-Bedroom Condo
Structured loan safely, and bought first home without stress.
"Mirta's patience, expertise and initiative has made our journey as first-time homeowners an incredibly smooth one! Extremely responsive and knowledgeable in addressing all our questions and concerns along the way, we were always assured that she was working for our interests and committed to securing us the home of our dreams. Thank you Mirta!"
These are typical results when planning is done right.
Can You Really Upgrade From HDB to Condo?
Answer a few simple questions and I’ll calculate your actual affordability:
Current HDB type
Outstanding loan
Cash/CPF on hand
Household income
Preferred areas
Hi, I'm Mirta
About Me
Hi, I’m Mirta, a Singapore property agent specialising in HDB upgraders exploring condo and EC options.
Looking for a Malay property agent in Singapore who truly understands your needs? I’m a CEA-registered real estate agent with PropNex Realty, who helps families buy, sell, and upgrade their homes with clarity and confidence.
From navigating HDB policies to exploring condo and EC options, I combine market expertise with cultural understanding—so your family can make the right move, stress-free.
Why Start Today?
At 38 years old, I am a parent with children still in primary and preschool. If you are like me, this is the perfect time to consider upgrading your home.
This stage of life is ideal for making strategic moves in real estate, as it allows you to secure a more spacious and comfortable environment for your growing family. More rooms? Check. Swimming pool? Check. Near preferred schools? Check! These are the same thoughts that I had when I decided to make my move.
Furthermore, having stable employment today is also a significant advantage when upgrading, ensuring you can comfortably manage mortgage commitments and leverage favourable loan options. In a way, paying a mortgage on a new home forces you to save, while simultaneously allowing you to enjoy the returns and remain financially secure, even if unexpected events occur.
Let’s work together to take this important step towards a brighter, more prosperous future for your family.
Mirta Syazanna
PropNex Realty
Associate Director
CEA Reg. No. R070524E
If you’re unsure whether upgrading is possible (or worth it), I’m here to give you clarity.
Ready to Explore Your Upgrade Options?
Let’s find out whether upgrading from HDB to condo is realistic, comfortable, and beneficial for your future.
For HDB → Condo Upgraders
Frequently Asked Questions
1. Can I upgrade from an HDB to a condo if I still have a home loan?
Yes, you can — but it depends on whether you choose to sell first or buy first. Your loan options will also shift from MSR (for HDB) to TDSR (for condo). I will calculate your exact borrowing capacity based on your income, outstanding HDB loan, CPF, and credit factors.
2. Should I buy a condo first or sell my HDB first?
Both choices are possible.
Sell first → safer financially, avoids ABSD, but requires careful timeline planning.
Buy first → more convenient but requires meeting TDSR rules and having enough cash + CPF.
I help you evaluate which approach is safest for your situation.
3. Do I need to pay ABSD when upgrading from HDB to condo?
You can avoid ABSD if you sell your HDB before exercising the condo OTP. With proper planning, most HDB upgraders do not need to pay ABSD. I will map out your exact timeline to avoid additional tax.
4. How much cash and CPF do I need to upgrade to a condo?
This depends on:
- Your HDB sale proceeds
- Outstanding loan
- Condo budget
- Loan eligibility
- CPF used for your HDB
Most upgraders use a combination of HDB sale proceeds + CPF refund to fund their condo downpayment. I provide a full affordability breakdown during the upgrade assessment.
5. Is upgrading to a condo better than buying another HDB?
It depends on your goals.
Condos provide facilities, privacy, and long-term capital growth potential.
HDBs offer affordability and larger space in some cases.
I provide a customised comparison based on your finances, lifestyle, and future plans.
6. Should I choose an Executive Condo (EC) or a private condo?
ECs are usually more affordable, come with grants (for some buyers), and have strong long-term appreciation.
Condos offer more flexibility, better locations, and no MOP.
Your choice depends on budget, timing, and lifestyle needs — I’ll walk you through both options.
7. How long does it take to upgrade from HDB to condo?
Most families complete the full journey in 4–8 months, depending on your plan. A detailed timeline will help you avoid renting or rushing.
8. What is the main mistake HDB owners make when upgrading?
Buying without a complete financial plan — especially without knowing exact cashflow, CPF refunds, and loan eligibility.
This often leads to affordability shocks, renting, or forced sales.
My process ensures none of this happens.
9. What are the minimum eligibility rules to buy a condo after selling HDB?
You must:
- Be at least 21
- Have stable income
- Pass bank loan assessment (TDSR)
There is no citizenship restriction for buying private condos.
10. How do I know if I can really upgrade?
Request for a Free Upgrade Assessment — I’ll calculate your sale proceeds, condo affordability, loan eligibility, and monthly commitments.
You’ll get a clear yes/no and your exact options.
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