Updated September 2026. Eligibility, CPF, tax and financing rules change. Verify the exact household position before selling.
MOP is a gate, not an automatic sell signal
HDB advises owners to confirm their MOP and eligibility in MyHDB before selling. For an EC, confirm the applicable ownership and disposal restrictions from the title, purchase documents and current rules.
Compare three household paths
- Keep the home and review financing, maintenance and household fit.
- Sell and buy another home, including duties, loan limits and timing.
- Sell and rent temporarily where flexibility or sequencing warrants it.
Calculate net proceeds and cash flow
Include the outstanding loan, CPF principal plus accrued interest, legal and agent fees, taxes, renovation, bridging needs and temporary accommodation. For HDB flats, register the Intent to Sell and follow the current resale process.
The five-year point does not guarantee profit or make upgrading suitable. Decide from verified net proceeds, affordability, family plans and downside scenarios.