{"id":47744,"date":"2022-01-20T17:32:58","date_gmt":"2022-01-20T09:32:58","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=47744"},"modified":"2022-06-13T17:57:34","modified_gmt":"2022-06-13T09:57:34","slug":"is-it-still-a-good-time-to-upgrade","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/","title":{"rendered":"If your HDB flat is MOP-ing this year, is it still a good time to upgrade?"},"content":{"rendered":"
<\/div>

When you purchase a HDB flat, you\u2019re required to complete the\u00a0<\/span>Minimum Occupation Period<\/span><\/a>\u00a0(MOP) of 5 years before you\u2019re allowed to sell your flat on the open market.\u00a0\u00a0<\/span><\/p>\n

If you\u2019re a HDB dweller whose flat is up for MOP this year and looking to make the jump to swankier new digs, here are some reasons why you should (or shouldn’t) upgrade.<\/span><\/p>\n

Why you should not<\/em> sell your HDB and upgrade<\/span><\/strong><\/h2>\n

While several\u00a0<\/span>recent cooling measures<\/span><\/a>\u00a0kicked in on 16 Dec, the ones that concern HDB upgraders the most would be the LTV and TDSR changes.<\/span><\/p>\n

ABSD hike<\/span><\/strong><\/h3>\n

Depending on your nationality and your significant other’s nationality (if you both co-own your first apartment), it would be prudent to keep in mind the <\/span>Additional Buyers Stamp Duty<\/span><\/a> (ABSD) hike as well if you\u2019re looking to keep your newly MOP-ed flat and buy a second property. <\/span>With the 5% increase in ABSD from 12% to 17%, you\u2019ll definitely feel the pinch when buying a second property, if both of you are Singapore citizens, let alone PRs.\u00a0<\/span><\/p>\n

If we take the price of a resale condo such as a 2 room condo at The Hillford<\/a><\/span> of S$950,000, here\u2019s how much you would need to pay in ABSD charges.\u00a0<\/span><\/p>\n\n\n\n\n\n\n\n\n
Types of Buyers<\/b><\/td>\nABSD on or after 16 December 2021<\/b><\/td>\nABSD payable<\/b><\/td>\n<\/tr>\n
Singapore Citizens <\/b><\/td>\nFirst residential property<\/td>\n0%<\/td>\nS$0<\/td>\n<\/tr>\n
Second residential property<\/td>\n17%<\/td>\nS$161,500<\/td>\n<\/tr>\n
Permanent Residents<\/b><\/td>\nFirst residential property<\/td>\n5%<\/td>\nS$0<\/td>\n<\/tr>\n
Second residential property<\/td>\n30%<\/td>\nS$285,000<\/td>\n<\/tr>\n
Foreigners<\/b><\/td>\nAny residential property<\/td>\n35%<\/td>\nS$332,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

LTV tightened<\/span><\/strong><\/h3>\n

Another significant change is the\u00a0<\/span>Loan to Value<\/span><\/a> (LTV) ratio being tightened five points, from 90% to 85%. This new limit only applies to buyers purchasing HDB BTO flats and resale applicants opting for the HDB housing loan after 16 December. If you’re taking up a bank loan, the LTV ratio is still capped at 75%.\u00a0<\/span><\/p>\n

So for those opting for an HDB housing loan, this may price out the pool of buyers who might’ve been able to qualify for the 90% loan, but who now cannot afford the additional 5%.<\/span><\/p>\n

Using a 4-room Sengkang resale flat example, a potential buyer can now only borrow up to 85% of say, the flat’s cost of S$480,000, instead of 90%. The 5% price difference of S$24,000 might make or break the decision to purchase the resale flat, as most buyers would be young couples on a smaller budget.<\/span><\/p>\n

TDSR tightened\u00a0<\/span><\/strong><\/h3>\n

The\u00a0<\/span>Total Debt Servicing Ratio<\/span><\/a> (TDSR) was also tightened by five points, from 60% to 55%. This is to prevent individuals from over leveraging and taking on more debt than they can afford.<\/span><\/p>\n

For the sake of simplicity, let\u2019s say you\u2019re looking to upgrade to a condo or private property. Unless you have the means to expand a bigger cash outlay, the change in TDSR means your loan amount is now smaller.\u00a0<\/span><\/p>\n

If you have current loans such as a car loan or student loan, you might find it more of a stretch with the new TDSR change.\u00a0<\/span><\/p>\n

Why you\u00a0<\/span>should<\/span><\/em>\u00a0upgrade now<\/span><\/strong><\/h2>\n

However, notwithstanding these new cooling measures, it could be a good time for you to sell your HDB flat and upgrade now. Here\u2019s why.<\/span><\/p>\n

While you do face the new challenge of a tighter TDSR, you would likely be profiting from the sale of your HDB. That additional capital can be directed to your downpayment, which may allow you to take on a smaller loan.\u00a0<\/span><\/p>\n

Furthermore, due to the pandemic, the construction of new BTOs are being\u00a0<\/span>delayed<\/span><\/a> by 6 months to a year, bringing the wait time to around 4-5 years.\u00a0<\/span><\/p>\n

Traditionally, the demand for BTOs has always exceeded the supply. In\u00a0<\/span>November 2021<\/span><\/a>, some estates received ten times more applicants than the readily available flats. This means for every 1 HDB flat available; there were 10 applicants vying for it.\u00a0<\/span><\/p>\n

\"undersupply<\/a>
Source: HDB<\/figcaption><\/figure>\n

Some knock-on effects include potential BTO buyers unwilling to weather the long wait times, turning to the resale market instead.\u00a0<\/span><\/p>\n

The government is taking steps to boost the supply<\/a> of both public and private housing by releasing 40% more units under the confirmed list of the H1 2022 Government Land Sales (GLS) Programme, compared to H2 2021, according to Minister for National Development Desmond Lee. However, these measures will take at least five years to reflect in the property market.<\/p>\n

So cooling measure or not, there will always be a market for first-time homebuyers, especially if they’re house-hunting for recently MOP-ed HDB resale flats.<\/p>\n

\n

Are you looking to upgrade from your HDB flat? Let us know in the comments section below or on our Facebook post.<\/h2>\n

If you found this article helpful, check out What to know about upgrading from HDB flat to condo<\/a> and What can you do with your new MOP-ed flat<\/a>?<\/span><\/p>\n

Looking for a property? Find the home of your dreams today on Singapore\u2019s fastest-growing\u00a0property portal<\/a>\u00a099.co<\/a>! If you would like to estimate the potential value of your property, check out\u00a099.co\u2019s Property Value Tool<\/a>\u00a0for free. Also, don\u2019t forget to join our Facebook\u00a0community page<\/a>! Meanwhile, if you have an interesting property-related story to share with us, drop us a message\u00a0here<\/a>\u00a0\u2014 and we\u2019ll review it and get back to you.<\/p>\n","protected":false},"excerpt":{"rendered":"

When you purchase a HDB flat, you\u2019re required to complete the\u00a0Minimum Occupation Period\u00a0(MOP) of 5 years before you\u2019re allowed to sell your flat on the open market.\u00a0\u00a0 If you\u2019re a HDB dweller whose flat is up for MOP this year and looking to make the jump to swankier new digs, here are some reasons why…<\/p>\n","protected":false},"author":123,"featured_media":45427,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53631,53643,53589,57131],"tags":[54004,54228,54589,54587],"persona":[],"class_list":{"2":"type-post","15":"entry","16":"has-post-thumbnail"},"acf":[],"yoast_head":"\nIf your HDB flat is MOP-ing this year, is it still a good time to upgrade? - 99.co<\/title>\n<meta name=\"description\" content=\"If you have a newly MOP-ed HDB flat and are looking to upgrade, here's how the cooling measures will affect you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"If your HDB flat is MOP-ing this year, is it still a good time to upgrade?\" \/>\n<meta property=\"og:description\" content=\"If you have a newly MOP-ed HDB flat and are looking to upgrade, here's how the cooling measures will affect you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-20T09:32:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-13T09:57:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"5184\" \/>\n\t<meta property=\"og:image:height\" content=\"3456\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jamie Wong\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jamie Wong\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/\"},\"author\":{\"name\":\"Jamie Wong\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/d551007feca4d19f33c9cdab4fba8971\"},\"headline\":\"If your HDB flat is MOP-ing this year, is it still a good time to upgrade?\",\"datePublished\":\"2022-01-20T09:32:58+00:00\",\"dateModified\":\"2022-06-13T09:57:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/\"},\"wordCount\":872,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg\",\"keywords\":[\"selling hdb\",\"selling home\",\"upgrade home\",\"upgrader\"],\"articleSection\":[\"HDB\",\"HDB Resale\",\"Home & Living\",\"Property News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#respond\"]}],\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/\",\"name\":\"If your HDB flat is MOP-ing this year, is it still a good time to upgrade? - 99.co\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg\",\"datePublished\":\"2022-01-20T09:32:58+00:00\",\"dateModified\":\"2022-06-13T09:57:34+00:00\",\"description\":\"If you have a newly MOP-ed HDB flat and are looking to upgrade, here's how the cooling measures will affect you.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#primaryimage\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg\",\"contentUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg\",\"width\":5184,\"height\":3456,\"caption\":\"Image credit: Benjamin Wong, Unsplash\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"HDB\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/hdb\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"HDB Resale\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/hdb\/hdb-resale\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"If your HDB flat is MOP-ing this year, is it still a good time to upgrade?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/\",\"name\":\"\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\",\"name\":\"99.co\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp\",\"contentUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp\",\"width\":192,\"height\":72,\"caption\":\"99.co\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/99dotco\/\",\"https:\/\/x.com\/99dotco\",\"http:\/\/instagram.com\/99.co\",\"https:\/\/www.linkedin.com\/company\/3625176\",\"http:\/\/pinterest.com\/99dotco\/\",\"https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/d551007feca4d19f33c9cdab4fba8971\",\"name\":\"Jamie Wong\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e431ec1179ecd08fd5f469069363e009750f362e93fcb77ee1624fb21ba63f87?s=96&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e431ec1179ecd08fd5f469069363e009750f362e93fcb77ee1624fb21ba63f87?s=96&r=g\",\"caption\":\"Jamie Wong\"},\"url\":\"https:\/\/www.99.co\/singapore\/insider\/author\/jamie-wong\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"If your HDB flat is MOP-ing this year, is it still a good time to upgrade? - 99.co","description":"If you have a newly MOP-ed HDB flat and are looking to upgrade, here's how the cooling measures will affect you.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/","og_locale":"en_US","og_type":"article","og_title":"If your HDB flat is MOP-ing this year, is it still a good time to upgrade?","og_description":"If you have a newly MOP-ed HDB flat and are looking to upgrade, here's how the cooling measures will affect you.","og_url":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/","article_publisher":"https:\/\/www.facebook.com\/99dotco\/","article_published_time":"2022-01-20T09:32:58+00:00","article_modified_time":"2022-06-13T09:57:34+00:00","og_image":[{"width":5184,"height":3456,"url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg","type":"image\/jpeg"}],"author":"Jamie Wong","twitter_card":"summary_large_image","twitter_creator":"@99dotco","twitter_site":"@99dotco","twitter_misc":{"Written by":"Jamie Wong","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#article","isPartOf":{"@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/"},"author":{"name":"Jamie Wong","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/d551007feca4d19f33c9cdab4fba8971"},"headline":"If your HDB flat is MOP-ing this year, is it still a good time to upgrade?","datePublished":"2022-01-20T09:32:58+00:00","dateModified":"2022-06-13T09:57:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/"},"wordCount":872,"commentCount":0,"publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#primaryimage"},"thumbnailUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg","keywords":["selling hdb","selling home","upgrade home","upgrader"],"articleSection":["HDB","HDB Resale","Home & Living","Property News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#respond"]}],"copyrightYear":"2022","copyrightHolder":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/","url":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/","name":"If your HDB flat is MOP-ing this year, is it still a good time to upgrade? - 99.co","isPartOf":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#primaryimage"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#primaryimage"},"thumbnailUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg","datePublished":"2022-01-20T09:32:58+00:00","dateModified":"2022-06-13T09:57:34+00:00","description":"If you have a newly MOP-ed HDB flat and are looking to upgrade, here's how the cooling measures will affect you.","breadcrumb":{"@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#primaryimage","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/11\/benjamin-wong-JWCQ2LZQouA-unsplash-scaled-e1637039312571.jpg","width":5184,"height":3456,"caption":"Image credit: Benjamin Wong, Unsplash"},{"@type":"BreadcrumbList","@id":"https:\/\/www.99.co\/singapore\/insider\/is-it-still-a-good-time-to-upgrade\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.99.co\/singapore\/insider\/"},{"@type":"ListItem","position":2,"name":"HDB","item":"https:\/\/www.99.co\/singapore\/insider\/hdb\/"},{"@type":"ListItem","position":3,"name":"HDB Resale","item":"https:\/\/www.99.co\/singapore\/insider\/hdb\/hdb-resale\/"},{"@type":"ListItem","position":4,"name":"If your HDB flat is MOP-ing this year, is it still a good time to upgrade?"}]},{"@type":"WebSite","@id":"https:\/\/www.99.co\/singapore\/insider\/#website","url":"https:\/\/www.99.co\/singapore\/insider\/","name":"","description":"","publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.99.co\/singapore\/insider\/#organization","name":"99.co","url":"https:\/\/www.99.co\/singapore\/insider\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","width":192,"height":72,"caption":"99.co"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/99dotco\/","https:\/\/x.com\/99dotco","http:\/\/instagram.com\/99.co","https:\/\/www.linkedin.com\/company\/3625176","http:\/\/pinterest.com\/99dotco\/","https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA"]},{"@type":"Person","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/d551007feca4d19f33c9cdab4fba8971","name":"Jamie Wong","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e431ec1179ecd08fd5f469069363e009750f362e93fcb77ee1624fb21ba63f87?s=96&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e431ec1179ecd08fd5f469069363e009750f362e93fcb77ee1624fb21ba63f87?s=96&r=g","caption":"Jamie Wong"},"url":"https:\/\/www.99.co\/singapore\/insider\/author\/jamie-wong\/"}]}},"modified_by":"Terence Ang","_links":{"self":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/47744","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/users\/123"}],"replies":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/comments?post=47744"}],"version-history":[{"count":0,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/47744\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media\/45427"}],"wp:attachment":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media?parent=47744"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/categories?post=47744"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/tags?post=47744"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/persona?post=47744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}