Guide
Buying a new EC in Singapore: eligibility, financing and the application process
HDB's eligibility rules cover the household, citizenship, age, income, private and non-residential property, earlier housing subsidies and wait-out periods.
Buy & Upgrade
Buying or upgrading?
Start from where you are now.
HDB to EC, sell and buy, resale or new launch, or a first home: the order, the money and the dates for each.
Your planning route
HDB to EC: Moving from an HDB flat to an executive condominium: whether your household can buy, how the payments fall, and the deadline to sell your flat.
- 01Understand your starting positionYour flat's minimum occupation period, your household's income against HDB's ceiling for the EC, and what your flat could sell for.
- 02Map the money and timelineThe payments at booking and signing, any deferred payment terms or bank bridging loan, and HDB's deadline to dispose of your flat after you collect the EC's keys.
- 03Compare suitable homesNew ECs, resale ECs and private homes side by side: size, tenure, total price and when you can move in.
A real upgrade
635B Senja Road → Copen GrandBuying an EC while still living in the HDB flatSee how the move was plannedGuides for this route
Reading for HDB to EC
Guide
EC payment schemes explained: Normal Payment Scheme (NPS) vs Deferred Payment Scheme (DPS)
The EC sale and purchase agreement is in a form prescribed by the Executive Condominium Housing Scheme Regulations 2016, with one Payment Schedule; the regulations contain no deferred schedule.
Guide
Solano Grand at Senja Close: what is confirmed and what buyers should assess
Confirmed: Solano Grand, a 99-year EC at Senja Close, Bukit Panjang.
Guide
Resale completion or extension of stay: when do you actually have to move out of your HDB flat?
Resale completion is when ownership passes and you must move out.
Guide
CPF accrued interest when you sell your HDB flat
The refund is the CPF principal you withdrew plus accrued interest.
Research and homes
Weighing a new launch? The team’s site has project facts, floor plans and StackLens. Team launches & StackLens (opens the Property Elites Clique website)
Your planning route
Sell & Buy: Selling one home and buying the next: which comes first, where the money for the next home comes from, and where you live in between.
- 01Understand your starting positionWhat your home could sell for, the loan to repay, and the CPF to be returned with accrued interest.
- 02Map the money and timelineThe order of the sale and the purchase, the completion dates, and whether an extension of stay applies to you.
- 03Compare suitable homesHomes that fit the budget the sale leaves you, and what each would ask of the timeline.
A real upgrade
635B Senja Road → Copen GrandBuying an EC while still living in the HDB flatSee how the move was plannedGuides for this route
Reading for Sell & Buy
Guide
Sell your HDB flat first, or buy the next home first?
Sell first: for ABSD, your flat counts as sold once the Option to Purchase for its sale has been exercised, so you can commit to the next home before the sale completes.
Guide
Resale completion or extension of stay: when do you actually have to move out of your HDB flat?
Resale completion is when ownership passes and you must move out.
Guide
CPF accrued interest when you sell your HDB flat
The refund is the CPF principal you withdrew plus accrued interest.
Your planning route
Resale or New Launch: A completed resale home now, or a new launch later: space, tenure, total price, and when you can move in.
- 01Understand your starting positionWhen you need to move, what you can commit each month, and what the purchase would be paid with.
- 02Map the money and timelineA resale is paid at completion; a new launch is paid in stages as it is built. Lay both out against your own dates.
- 03Compare suitable homesLike for like: the same size band, the tenure, the price per square foot and the total.
Research and homes
- Project ResearchSales and rents for a private development
- New LaunchesFacts, floor plans and a dated price guide
- Homes for saleResale homes James is marketing
Weighing a new launch? The team’s site has project facts, floor plans and StackLens. Team launches & StackLens (opens the Property Elites Clique website)
Guides for this route
Reading for Resale or New Launch
New launch
Thomson Reserve vs The Sen: Which Makes More Sense for Different Buyers?
A practical comparison of Thomson Reserve and The Sen across quantum, space, MRT access, scale, buyer profile and exit considerations.
Your planning route
First Home: Buying your first home: what you can afford, the costs on top of the price, and what to check before you commit.
- 01Understand your starting positionYour savings, your CPF Ordinary Account and the loan a bank may offer you.
- 02Map the money and timelineThe option fee, the downpayment, stamp duty and legal fees, and when each is due.
- 03Compare suitable homesHomes within that budget, compared on size, location, tenure and age.
Guides for this route
Reading for First Home
HDB
Buying an HDB Near Admiralty MRT: What Should You Compare Beyond Walking Distance?
Looking for an HDB near Admiralty MRT?
HDB
Woodlands at $600,000 to $700,000: a newer 4-room flat or an older, larger 5-room flat?
510 of the 1,762 flats resold in Woodlands from July 2025 to June 2026 sold for $600,000 to under $700,000.
James is your contact. The team works with him.
James plans your move with you, and works with the team at Property Elites Clique, which he co-founded with Christopher Low; StackLens is the team's stack explorer for selected new launches. To talk to James, use Let’s Talk.
Talk to James
Want your own route mapped out?
Tell James where you are now and where you want to be. He will set out the order, the money and the dates with you.
Prefer to call? +65 9696 9567
I usually reply within one working day.
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