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Benefits of HDB Upgrade to Condo

Updated: Jan 24

If you are a Singapore family and planning to upgrade your property from an HDB to a condo or an Executive Condominium (EC) then it’s vital to check profit earned from selling your HDB flat is enough for you.

To be able to upgrade to a condo or landed property from your HDB flat, you need to have completed the Minimum Occupation Period (MOP) for your HDB flat. Usually, you require living in your HBD flat for a minimum period of 5 years prior you can upgrade to private property. The MOP is the minimum number of years you need to have actually occupied your HDB flat prior you buy a private property or sell the HDB after MOP.

In the case of upgrading from an HDB flat to a condo, the MOP is often calculated from the date you collected the keys to your HDB flat to the date of signing the sale and purchase agreement of your new property, regardless of whether it is still under construction or ready for possession.

Upgrading from an HDB flat to a condo is a pipedream for plenty of homeowners. Some people do it because of the posh amenities like steam rooms and pools, while others merely want the knowledge that they own a piece of property for life. Whatever the reason be, making the rise is no small deed, but it doesn’t have to be difficult.

As long as you upgrade within your means, and don’t overestimate your finances, you too can live a life of gated real estate. If you’re not able to afford it now, you’re free to put it on your vision board to manifest it in the future.

Many times, there comes a time in a homeowner’s life when they start considering if it’s worth upgrading their humble HDB flat into a posh condo. But for all the perks that come with ownership of private property, the downside is the intricate process of making this real estate move.

In order to guide potential condo owners through upgrading their HDB flat to a condo, you need to tackle the following:

Ensure Your Minimum Occupation (MOP) is over

Prior you go and view a potential condo’s show flat, the first thing you have to ensure is that your Minimum Occupation Period (MOP) is over. There are 5 years for most HDB flats and 10 years for major location housing developments.

Selling Your HDB Flat

Selling your HDB flat can be done either before or after you buy the condo, and each of these options has its own pros and cons. Prior you get into that, you need a quick guide on how to sell your HDB.

Register Your Intent to Sell

Registering your intent to sell with HDB is very much important and it has to be done by the owner of the house. The intent to sell will be valid for 12 months. Also when your application needed approval, the timeframe for HDB is within 2 weeks to remain benefitted.


We understand that financial planning can be a daunting task, and we're here to simplify it for you speak with us.

If you have a plan in mind but not sure if it works well – do share with us or let us know.

We will do our best to assist you to make sure you look at your plan from multiple angles and ensure you have a very clear picture on what’s going on.

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