{"id":92720,"date":"2025-12-09T19:14:23","date_gmt":"2025-12-09T11:14:23","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=92720"},"modified":"2025-12-09T19:25:16","modified_gmt":"2025-12-09T11:25:16","slug":"how-to-buy-home-before-chinese-new-year","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/how-to-buy-home-before-chinese-new-year\/","title":{"rendered":"Top 5 things to look for in a home you can move into before Chinese New Year"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\r\n<p><span style=\"font-weight: 400;\">There\u2019s something special about welcoming a new year, and a new chapter, in a new home. But if you\u2019re <a href=\"https:\/\/www.99.co\/singapore\/insider\/chinese-new-year-home-timeline\/\" target=\"_blank\" rel=\"noreferrer noopener\">hoping to move in before Chinese New Year<\/a> (CNY), timing becomes everything. Completing a property transaction and moving in usually takes about 8 to 12 weeks for HDB resale flats and around 10 to 12 weeks for private condominiums. That means every step, from choosing the right unit to finalising legal paperwork, needs to move quickly and efficiently.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">If you\u2019re serious about settling in before the festivities, you\u2019ll want to focus on homes that minimise every possible delay. To help you get there, here are five key things to look out for when buying a move-in-ready home before CNY.<\/span><\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\">\r\n<h3>Table of contents<\/h3>\r\n<ul>\r\n<li style=\"list-style-type: none;\">\r\n<ul>\r\n<li><a href=\"#h-1-make-sure-you-home-fits-your-needs\" data-level=\"2\">1. Make sure you home fits your needs<\/a>\r\n<ul>\r\n<li><a href=\"#h-what-to-look-out-for\" data-level=\"3\">What to look out for<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-2-family-friendly-layout-ready-for-hosting\" data-level=\"2\">2. Family-friendly layout \u2013 ready for hosting<\/a>\r\n<ul>\r\n<li><a href=\"#h-look-for-these-features\" data-level=\"3\">Look for these features<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-3-absolute-move-in-readiness-the-zero-renovation-rule\" data-level=\"2\">3. Absolute move-in readiness \u2013 the zero-renovation rule<\/a>\r\n<ul>\r\n<li><a href=\"#h-why-renovation-might-not-be-the-way-to-go\" data-level=\"3\">Why renovation might not be the way to go<\/a><\/li>\r\n<li><a href=\"#h-instead-here-s-what-to-look-for\" data-level=\"3\">Instead, here\u2019s what to look for<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-4-seller-readiness-choose-a-clean-deal\" data-level=\"2\">4. Seller readiness \u2013 choose a clean deal<\/a>\r\n<ul>\r\n<li><a href=\"#h-key-things-to-check\" data-level=\"3\">Key things to check<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<li><a href=\"#h-5-aligned-pricing-skip-the-valuation-delays\" data-level=\"2\">5. Aligned pricing \u2013 skip the valuation delays<\/a>\r\n<ul>\r\n<li><a href=\"#h-tips-to-keep-things-moving\" data-level=\"3\">Tips to keep things moving<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div>\r\n\r\n\r\n\r\n<h2 id=\"h-1-make-sure-you-home-fits-your-needs\" class=\"wp-block-heading\"><b>1. Make sure you home fits your needs<\/b><\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image alignnone size-full wp-image-92783\"><img decoding=\"async\" width=\"1200\" height=\"900\" class=\"wp-image-92783\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/12\/how-to-buy-home-before-chinese-new-year-accessibility.jpg\" alt=\"\" \/>\r\n<figcaption class=\"wp-element-caption\">A well-chosen home starts with the right neighbourhood, the right amenities, and the right fit for your daily life.<\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Before diving into the details of renovation or financing, start by ensuring that the home you\u2019re eyeing truly fits your lifestyle. Beyond just looks and layout, your home should align with your daily routines, family needs, and long-term priorities \u2013 from convenience and comfort to accessibility.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-what-to-look-out-for\" class=\"wp-block-heading\"><b>What to look out for<\/b><\/h3>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Location and accessibility:<\/b><span style=\"font-weight: 400;\"> Choosing the right neighbourhood is often the first step. A well-connected area means shorter commutes, quicker errands, and easy access to daily essentials like groceries, clinics, and public transport. Mature estates such as Toa Payoh, Kallang Whampoa, and Bishan are known for their established amenities and excellent connectivity. Meanwhile, non-mature towns like Tampines, Punggol, and Sengkang continue to appeal to buyers seeking newer developments, growing town centres, and long-term potential.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Nearby amenities:<\/b><span style=\"font-weight: 400;\"> Your surroundings should make everyday life easier \u2013 especially if you\u2019re moving in with family. Look out for nearby schools, parks, and supermarkets that match your household\u2019s lifestyle. Having these conveniences within reach saves time and helps you settle into your new environment more comfortably.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Lifestyle suitability:<\/b><span style=\"font-weight: 400;\"> Think about how the space and its surroundings will work for you over time. Whether it\u2019s being close to your workplace, having recreational spots nearby, or living within a vibrant community, the right fit ensures lasting comfort \u2013 not just for the festive period, but for years ahead.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 id=\"h-2-family-friendly-layout-ready-for-hosting\" class=\"wp-block-heading\"><b>2. Family-friendly layout \u2013 ready for hosting<\/b><\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image alignnone size-full wp-image-92782\"><img decoding=\"async\" width=\"1200\" height=\"900\" class=\"wp-image-92782\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/12\/how-to-buy-home-before-chinese-new-year-family-friendly-layout.jpg\" alt=\"A practical, family-friendly layout makes everyday living and festive hosting feel effortless from day one.\" \/>\r\n<figcaption class=\"wp-element-caption\">A practical, family-friendly layout makes everyday living and festive hosting feel effortless from day one.<\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">When choosing a home, layout plays a bigger role than most people realise. Beyond just size, the right layout can make a world of difference in how comfortably you live \u2013 and how easily you can host friends and family. Especially if you\u2019re moving in before Chinese New Year, a home that\u2019s already functional and welcoming means one less thing to worry about.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-look-for-these-features\" class=\"wp-block-heading\"><b>Look for these features<\/b><\/h3>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>At least 3 bedrooms:<\/b><span style=\"font-weight: 400;\"> More rooms give you the flexibility to grow with your family, set up a home office, or comfortably host relatives when needed. Whether it\u2019s accommodating a new family member or turning a spare room into a study, extra space always adds long-term value.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Open-plan living and dining areas:<\/b><span style=\"font-weight: 400;\"> Open layouts are highly sought after because they create a sense of space, light, and connection. They\u2019re ideal for both daily living and occasional gatherings \u2013 from casual get-togethers to festive occasions like Chinese New Year. Plus, they offer flexibility without the need for wall hacking or renovation permits.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Functional kitchen:<\/b><span style=\"font-weight: 400;\"> The kitchen is the heart of the home \u2013 whether you\u2019re preparing everyday meals or cooking for a family celebration. A layout with generous counter space, quality fittings, and good ventilation makes cooking easier and more enjoyable from the start.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Smart storage solutions:<\/b><span style=\"font-weight: 400;\"> Built-in cabinets, storage rooms, or flexible shelving help keep your home organised and clutter-free. As families grow, having ample storage becomes essential to maintaining a comfortable and tidy environment.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">If you find a layout that already meets these needs, you\u2019ll save precious time \u2013 and enjoy a home that\u2019s ready to welcome family the moment you get the keys.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-3-absolute-move-in-readiness-the-zero-renovation-rule\" class=\"wp-block-heading\"><b>3. Absolute move-in readiness \u2013 the zero-renovation rule<\/b><\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image alignnone wp-image-92781 size-full\"><img decoding=\"async\" width=\"1200\" height=\"900\" class=\"wp-image-92781\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/12\/how-to-buy-home-before-chinese-new-year-fit-your-needs.jpg\" alt=\"\" \/>\r\n<figcaption class=\"wp-element-caption\">A move-in-ready home helps you skip renovation delays and settle in smoothly, even on a tight timeline.<\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">If you\u2019re hoping to move in before Chinese New Year, renovation is the biggest roadblock in your way. Even small touch-ups can derail your schedule, so the best approach is to look only for homes that are fully ready for you to settle in immediately \u2013 what we call \u201cfurnish-and-settle\u201d properties.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-why-renovation-might-not-be-the-way-to-go\" class=\"wp-block-heading\"><b>Why renovation might not be the way to go<\/b><\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Renovation might seem manageable at first, but the timeline rarely works in your favour, especially this close to CNY. A full renovation for a resale HDB flat usually takes around 10 to 14 weeks, while major overhauls can stretch to 12 to 16 weeks. Even if you\u2019re only doing extensive carpentry or custom work in a new BTO flat, it still takes about 8 to 12 weeks.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Now, factor in the Chinese New Year shutdown, when most suppliers, contractors, and factories close for four to six weeks, and your new home could easily remain unfinished well into the festive season.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Even minor works like adding a partition or changing built-ins require an HDB renovation permit, which itself takes about 2 to 4 weeks to process. When every week counts, that\u2019s time you might not be able to spare.<\/span><\/p>\r\n\r\n\r\n\r\n<p><iframe loading=\"lazy\" style=\"border: none; width: 350px !important; box-shadow: 0px 2px 12px rgb(11 17 52 \/ 15%); border-radius: 16px;\" src=\"https:\/\/www.99.co\/property-value-widget?contentSource=insider-blog&amp;contentId=how-to-buy-home-before-chinese-new-year\" width=\"350\" height=\"370\" scrolling=\"no\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/span><\/iframe><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-instead-here-s-what-to-look-for\" class=\"wp-block-heading\"><b>Instead, here\u2019s what to look for<\/b><\/h3>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Brand-new TOP-ed condominiums<\/b><span style=\"font-weight: 400;\">: These are ideal because they come freshly completed, so you can move in without waiting for renovation permits or structural works.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Recently refurbished resale flats<\/b><span style=\"font-weight: 400;\">: Look for resale flats or private condos that have been refurbished in the last three to five years. These homes often come with modern interiors and fittings \u2013 and while you may pay a bit more upfront, you\u2019ll save time, stress, and money by skipping renovation altogether.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Light touch-ups only<\/b><span style=\"font-weight: 400;\">: If you must make changes, limit them to things like repainting, replacing light fixtures, or professional cleaning. These can be done in one to two weeks and don\u2019t require formal approval.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">It\u2019s also wise to check if the seller plans to leave behind major appliances or furniture. Ordering new ones might be tricky around this time since imported items or custom furniture often face delivery delays due to the seasonal factory closures.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-4-seller-readiness-choose-a-clean-deal\" class=\"wp-block-heading\"><b>4. Seller readiness \u2013 choose a clean deal<\/b><\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image\">\r\n<figure id=\"attachment_92784\" aria-describedby=\"caption-attachment-92784\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"wp-image-92784\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/12\/how-to-buy-home-before-chinese-new-year-seller-readiness.jpg\" alt=\"Working with a seller who\u2019s prepared ensures fewer delays \u2013 and a much smoother handover.\" width=\"1200\" height=\"900\" \/><figcaption id=\"caption-attachment-92784\" class=\"wp-caption-text\">Working with a seller who\u2019s prepared ensures fewer delays \u2013 and a much smoother handover.<\/figcaption><\/figure>\r\n<\/figure>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Even if you find a ready-to-move-in home, delays can still happen \u2013 and often, they come from the seller\u2019s side.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">When you\u2019re racing the clock, the seller\u2019s situation matters almost as much as the home itself. You\u2019ll want to work only with sellers who are fully prepared to hand over the keys without complications or hidden delays.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">A clean deal means that the seller has already sorted out their next move, resolved all financial matters, and is ready to give you full possession of the home right on schedule.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-key-things-to-check\" class=\"wp-block-heading\"><b>Key things to check<\/b><\/h3>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Vacant possession<\/b><span style=\"font-weight: 400;\">: This should be non-negotiable. It means the home must be empty and ready for you to move in on the completion date \u2013 no lingering tenants, no leftover furniture (unless they\u2019re leaving them behind), and no extensions for the seller to stay temporarily.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>No sale contingencies<\/b><span style=\"font-weight: 400;\">: Avoid deals where the seller\u2019s move depends on buying another property. Such \u201cchain transactions\u201d are unpredictable and can easily stretch past your deadline.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Sort out legal matters early<\/b><span style=\"font-weight: 400;\">: Ask your agent or solicitor to ensure there are no unresolved ownership issues, unpaid taxes, or encumbrances tied to the property. These legal hiccups can delay completion by weeks.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">To move fast, appoint your conveyancing solicitor as soon as you decide to buy. Having them check all paperwork early helps prevent last-minute surprises.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-5-aligned-pricing-skip-the-valuation-delays\" class=\"wp-block-heading\"><b>5. Aligned pricing \u2013 skip the valuation delays<\/b><\/h2>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image alignnone size-full wp-image-92785\"><img decoding=\"async\" width=\"1200\" height=\"900\" class=\"wp-image-92785\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2025\/12\/how-to-buy-home-before-chinese-new-year-seller-valuation.jpg\" alt=\"Making data-backed offers helps you avoid valuation hiccups and keep your purchase moving.\" \/>\r\n<figcaption class=\"wp-element-caption\">Making data-backed offers helps you avoid valuation hiccups and keep your purchase moving.<\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Many homebuyers underestimate how much pricing can slow down the buying process. It might seem like negotiations and valuations are just formalities, but they\u2019re often where valuable weeks quietly slip away.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">One common setback here is the valuation gap. If your agreed price exceeds the official bank or HDB valuation, you\u2019ll have to pay the difference in cash (known as <a href=\"https:\/\/www.99.co\/singapore\/insider\/cash-over-valuation-cov-hdb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cash Over Valuation, or COV<\/a>). Worse, if you can\u2019t bridge that gap, you might need to renegotiate the deal \u2013 or lose it entirely.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">To avoid these setbacks, you\u2019ll want to make data-backed offers.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-tips-to-keep-things-moving\" class=\"wp-block-heading\"><b>Tips to keep things moving<\/b><\/h3>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Base your offer on recent transactions<\/b><span style=\"font-weight: 400;\">: Use recent sale prices of similar units to guide your bid. This keeps your offer realistic and reduces the chance of valuation mismatch.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Avoid drawn-out negotiations<\/b><span style=\"font-weight: 400;\">: Sellers who price their homes too high often take longer to close. If a listing has been on the market for months, it might be a sign that the seller is open to a fair, fast deal.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Prepare for minor COV<\/b><span style=\"font-weight: 400;\">: If the difference is small, having cash ready allows you to close without delay.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p style=\"border: 2px solid black; padding: 10px;\"><b><i>Working with an experienced buyer\u2019s agent, such as a 99.co Advisor, ensures that every step, from valuation alignment to offer negotiation, is handled strategically, helping you secure the right home <\/i><\/b><strong><i>quickly and confidently. <\/i><a href=\"https:\/\/www.99.co\/singapore\/seller-concierge\/\" target=\"_blank\" rel=\"noreferrer noopener\"><i>Book a FREE consultation here<\/i><\/a><i>.\u00a0<\/i><\/strong><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">You should also make sure your financing is pre-approved before making any offer. For HDB buyers, this means securing your <a href=\"https:\/\/www.99.co\/singapore\/insider\/hfe-hdb-flat-eligibility-letter-what-is-it-how-to-apply\/\" target=\"_blank\" rel=\"noreferrer noopener\">HDB Flat Eligibility (HFE) letter<\/a>. For private property buyers, it means getting an <a href=\"https:\/\/www.99.co\/singapore\/insider\/in-principle-approval-ipa\/#:~:text=An%20IPA%20is%20a%20non,HLE)%20is%20to%20BTO%20flats.\" target=\"_blank\" rel=\"noreferrer noopener\">In-Principle Approval (IPA)<\/a> from your bank.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">When sellers see that you\u2019ve already sorted out financing, they\u2019re more likely to prioritise your offer, helping you lock down the deal faster.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-wrapping-up\" class=\"wp-block-heading\"><b>Wrapping up<\/b><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">In a busy season where time feels short, it helps to focus on what truly matters \u2013 finding a home that\u2019s ready, practical, and built for how you want to live. Every decision you make now, from the location to the layout, brings you one step closer to a smoother move and a fresh start in the new year.<\/span><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>There\u2019s something special about welcoming a new year, and a new chapter, in a new home. But if you\u2019re hoping to move in before Chinese New Year (CNY), timing becomes everything. Completing a property transaction and moving in usually takes about 8 to 12 weeks for HDB resale flats and around 10 to 12 weeks&hellip;<\/p>\n","protected":false},"author":141,"featured_media":92780,"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":"59689,72282,81829,32033,13487,81669","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"no","_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":[53601,53631,57131],"tags":[54102,59658,55698],"persona":[57126],"class_list":{"2":"type-post","14":"entry","15":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 5 things to look for in a home you can move into before Chinese New Year - 99.co<\/title>\n<meta name=\"description\" content=\"Planning to move before CNY? 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