在新加坡换房，从HDB组屋升级到公寓时，最重要的决定就是：先买还是先卖？
为什么大多数人选择先卖再买？
- 避免缴ABSD
- 保证贷款成数最高、CPF可正常使用
两种常见先卖再买的操作方式：
- 卖找组屋买家，拉长时间线，快速去找公寓
- 先锁定公寓，与卖方协商多支付option fee换取延长exercise期限，快速卖组屋
时间安排要注意：
- 组屋exercise要早于公寓exercise (免ABSD)
- 公寓completion要在组屋completion后约三周 (CPF可回流使用)
- 组屋买家要同意提供3个月延迟交屋
- 公寓卖家不应要求延迟交屋
协调这些环节，需要经验丰富的中介帮你掌控节奏。
换房不是简单买卖，更涉及资金规划与时间配合。
我是 Rayla，专注协助HDB屋主升级私人住宅，欢迎联系我，定制最适合您的换房策略。
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Upgrading from an HDB flat to a private condo in Singapore? The key question is: Should you buy first or sell first?
Why most choose to sell first, then buy:
- Avoid paying ABSD
- Maximise loan eligibility and CPF usage
Two common “sell first, buy later” strategies:
- Secure an HDB buyer first, extend the timeline, then quickly purchase a condo
- Lock in your desired condo first, negotiate a higher option fee for a longer exercise period, then sell your HDB within that window
Key timeline considerations:
- HDB exercise must happen before condo exercise (to avoid ABSD)
- Condo completion should be around 3 weeks after HDB completion (to allow CPF funds to return and be reused)
- HDB buyer must agree to a 3-month Extension of Stay
- Condo seller should not require an Extension of Stay
Coordinating these steps requires an experienced agent who can manage timelines, negotiate effectively, and guide you through financial planning.
Upgrading your home isn’t just about buying and selling, it’s about strategy.
I’m Rayla, and I specialise in helping HDB owners transition smoothly to private property. Contact me to create a plan that works for you.