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