Correction, 25 October 2026: We have withdrawn the former HDB upgrading handbook because its tax, CPF, loan and eligibility explanations could mislead a buyer. Do not rely on the former quick answers, tables, graphics, family example or FAQs when committing to a replacement home.
Which advice has been withdrawn?
The former text gave an incorrect 65% foreign-individual ABSD rate, used wrong BSD amounts in its S$1.35 million and S$1.45 million examples, and presented a three-year SSD schedule as universal current guidance. It also described EC ownership counting incorrectly and treated a first private purchase as though that alone settled ABSD.
Its buy-first passages suggested a general or automatic upgrader refund and used unreliable disposal and refund clocks. Other passages promised immediate reuse of the full CPF refund and implied that all HDB restrictions end at MOP. We have removed those claims, the unsupported price and interest-rate assertions, and the resulting affordability verdicts.
Use the actual transaction and funding sequence
IRAS’s current ABSD guidance distinguishes the buyer profile and residential-property interests. HDB’s ownership conditions and CPF refund-use rules answer separate questions. The former guide should not be used as a substitute for those checks.
Our sell-first or buy-first funding guide now shows how the peak shortfall changes before cash and CPF become available. It does not promise an ABSD refund or a particular loan. For borrowing capacity, use the household affordability guide with a lender assessment.
If you relied on the earlier instructions for an ongoing purchase, gather the option, ownership details and payment dates and contact Lin Xuan or Ade for an introduction to a property lawyer and banker. This correction does not set a replacement tax deadline or determine eligibility for an individual household.
Photograph: Singapore River at Robertson Quay, 14 August 2022, Wzhkevin, CC BY-SA 4.0. Source: commons.wikimedia.org/wiki/File:Singapore_River_at_Robertson_Quay_-_2022-08-14.jpg. Licence: creativecommons.org/licenses/by-sa/4.0/. Resized for web and displayed cropped. Neighbourhood context, not an example property.
Need a brochure, price list or professional introduction?
Contact Lin Xuan at 82222556 or Ade at 81888871 for the full project brochure, latest available price list, a viewing, or introductions to bankers who can help you compare home-loan rates and packages to find the best available option for your needs. If you need legal advice on a property purchase, sale or tenancy, we can also put you in touch with property lawyers.
WhatsApp Lin Xuan | WhatsApp Ade. Let us know the project or property question you would like help with. Prices and availability are subject to developer confirmation, while loan terms and approval are determined by the bank.
Lin Xuan: ONG LIN XUAN, CEA registration R069812H. Ade: CHUA MUAY MUAY (ADE CHUA), CEA registration R014252F. ERA REALTY NETWORK PTE LTD, estate agent licence L3002382K.