HDB Reaching MOP? Here’s Why Waiting Hurts

Описание: If your HDB has just reached MOP — or will be reaching MOP soon — you’re probably asking yourself the same question many homeowners are facing in 2026:

Should I upgrade now… or should I wait?

With a record number of HDB flats reaching MOP this year, rising property prices, tighter new launch supply, and mixed signals in the market, it’s easy to feel stuck or pressured by conflicting advice.

In this video, I’ll walk you through a clear, structured framework to help you decide what makes sense for your own situation.


🧠 Who this video is for:

• HDB owners reaching or just past MOP

• Families deciding between upgrading vs waiting

• Buyers feeling uncertain due to market noise

• Anyone who wants a calm, numbers-driven approach instead of sales pressure


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01:30 - Assessing Unlocked Proceeds & Income
03:13 - Category A: Income capped / conservative
07:36 - Category B: Comfortable but Cautious
09:45 - Category C: Strng Income / Asset ready
11:57 - Saving & Waiting VS Upgrading Now - Opportunity Cost Involved
23:13 - Options For Consideration
24:07 - Option 1: Stay Put, Do Nothing
26:36 - Upgrade To Another HDB
28:51 - Upgrade To New EC
31:38 - Upgrade To Private Property
33:50 - How To Decide? Mini Checklist



📱 Contact & Follow Me:
💬 WhatsApp: https://wa.me/6597735351
Mobile: +65 97735351
📘 Facebook:   / jolenezhongrealtor  
📸 Instagram:   / snippetsofjo  
🎵 TikTok:   / snippetsofjo  



📌 All figures used are illustrative examples for education and comparison — not one-size-fits-all advice. Every household is different.


If you’d like a personalised discussion based on your own numbers, feel free to reach out — I’m always happy to walk through this together, whether in person or over Zoom.

If you found this helpful, do remember to Like 👍, Subscribe 🔔, and leave a comment below — especially if you’re reaching MOP this year and deciding your next move!