在新加坡换组屋时，屋主最常问的问题就是：应该先买还是先卖？
换组屋有两个特点：
- 无需缴付ABSD：因不能同时拥有两套组屋。
- 交易时间线固定：从Option到Exercise OTP最多21天，无法延长。
先买后卖：适合资金充裕者
若您不依赖卖房资金即可支付新房首付款与尾款，建议先买后卖。
优势包括：
- 有更充裕时间挑选心仪单位
- 不受旧房销售影响，流程更稳妥
- 可配合卖家的延迟交屋 (Extension of Stay)
购买完成后，6个月内出售现有组屋即可。
先卖后买：适合资金需周转者
若您需要卖房资金来支付新屋尾款，可选择先卖再买，并搭配：
- 拉长时间线：将卖房exercise与resale application间隔拉至60天
- 申请最多3个月的延迟交屋：用于装修和搬家缓冲
这种方式可行，但需注意：
- 时间拉长，可能减少潜在买家
- 买房时间受限，易有压力
- 新屋最好无需延迟交屋，否则流程易冲突
降低换房压力的方法
- 找临时过渡住所：解决搬家空档期问题
- 向亲友短期借款：先买后还，避免时间冲突
总结：策略取决于您的财务与时间弹性
每位屋主情况不同，建议根据资金能力与生活节奏制定换屋计划。如需协助，我是Rayla，欢迎联系我，帮您定制最适合的换房流程。
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When it comes to upgrading or changing HDB flats in Singapore, the most common question homeowners ask is: Should I buy first or sell first?
There are two key features of HDB-to-HDB transactions:
- No ABSD required: Because you cannot legally own two HDB flats at the same time.
- Fixed transaction timeline: From Option to Purchase (OTP) to exercising the OTP, the maximum period is 21 days and cannot be extended.
Buy first, then sell: Suitable for those with sufficient funds
If you do not need proceeds from your current flat to pay for your new one, it is recommended to buy first and sell later.
Advantages include:
- More time to select your ideal unit
- Process is more stable and not dependent on your flat’s sale
- Can accommodate seller’s Extension of Stay request
After completing the purchase, you will have 6 months to sell your current flat.
Sell first, then buy: Suitable for those needing to unlock funds
If you require proceeds from the sale of your current flat to pay the balance of your next purchase, choose to sell first, then buy. You may also consider:
- Extending the timeline: Stretch the gap between exercising the OTP and resale application to 60 days
- Applying for up to 3 months of Extension of Stay: This allows time for renovation and moving
This method is workable, but take note:
- Longer transaction time may reduce buyer interest
- Buying timeline becomes tighter and more stressful
- The flat you’re buying should ideally not require Extension of Stay, or timelines may clash
Ways to reduce stress when changing flats
- Secure a temporary place to stay: Solves the gap between selling and moving into your new home
- Borrow funds short-term from family or friends: Buy first, repay later after selling your flat
Conclusion: Your strategy depends on your financial and timing flexibility
Every homeowner’s situation is unique. It’s best to plan your move based on your financial position and lifestyle needs. If you need guidance, I’m Rayla — feel free to contact me for a personalised flat transition plan that works for you.