How to upgrade your #HDB FAST!
First group: Couples bidding to buy their first HDB flat
1) HDB ownership rules: Joint ownership vs Owner+Occupier
2) Loan size tips: Is 5x median annual household income too much?
Second group: Families who have already bought, how you can upgrade to private property or sell HDB and buy two #privateproperty
Step 1: Save on mortgage now by refinancing
Step 2: Save on family expenses from all angles
Step 3: Invest your new extra savings
Step 4: Calculate how much CPF and cash is coming back if you sell your HDB
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