I'm buying an HDB flat
Check how much you can borrow under the HDB rules, and the cash and CPF you'll need for a resale flat.
HDB affordability →Singapore property advice for HDB upgraders & first-time buyers
See the whole picture before you buy.
I'm Melissa Chan, a property consultant with PropNex. I help HDB upgraders and first-time private buyers work out what they can afford, which launch fits, and which unit to pick, before they commit.
Start here
Where are you in your home journey?
I'm upgrading from HDB
Work out what you'll have after selling your flat, how much you can borrow, and the cash you need to bridge the gap.
How much can I afford? →I'm buying my first private home
Know your loan limit, the stamp duty you'll pay and the cash you need on booking day.
Stamp duty calculator →I'm choosing a new launch
See what you pay at each stage of construction, then compare units stack by stack.
Payment schedule →I'm selling my home
See what your HDB flat or condo could sell for, from the latest sales in your own block or development, and get a monthly update from me.
Calculators
Run your own numbers
Answer a few questions and see your numbers straight away. Nothing is sent to me unless you ask for a report.
How much can I borrow?Your loan limit under the bank rules, and the price range it gives you.
Stamp dutyBuyer's stamp duty and ABSD for your purchase.
New launch payment scheduleWhat you pay at each stage, and how much is cash, CPF or loan.
What's my home worth?Recent sales in your own block or development, and an estimate for yours.
Selling onlyThe cash you'll receive and the CPF that goes back to each owner.
HDB sale timelineWhen each step of your flat sale happens, and when to sign for your next home.
Moving for a primary school?
Buy within reach of the school you want
Many families move so their child can register for Primary 1 as a near-school resident. Before you buy, check who actually got in, and whether your new home's dates work for your child's registration year.
On YouTube
MOE just killed the 1 km school premium. Is your property still worth it?
New launches
Now launching
Each launch gets its own page: every unit with its facing, floor plans, finishes, and side-by-side comparisons.
See all 33 launches →
Artist's impression
Bank sale · Preview 6–13 Nov 2026 · Booking 14 Nov
The Marina Collection
38 completed homes on the marina at Sentosa Cove (District 4), in a bank sale: 17 three-bedroom and 21 four-bedroom units, from $2.59M ($1,269 psf and up). 99-year lease from 2007, completed 2011.- Every unit for sale, with its price, size and tenancy
- Floor plans of the four layouts on sale
- Preview dates, payment terms and maintenance fees
Artist's impression
Launched 31 Oct 2026 · Units still available
Thomson Reserve
1,268 homes in six towers at Bright Hill Drive, District 20. By CapitaLand Development, UOL Group and Singapore Land Group. Units still available from $1.635M (developer's price list of 31 Oct 2026, subject to changes by developer).- Every home in 3D, with the ones still for sale and their prices
- All 41 floor plans, finishes and appliances
- Compare any two units or layouts side by side
Artist's impression
Launched 15 Oct 2026 · Units still available
The Serra Residences
133 freehold homes in one 28-storey tower at Bassein Road, Novena (District 11), by Far East Organization. Units still available from $2.27M (pricing as of 01 November 2026, subject to changes by developer).- Every unit in 3D, with the ones still for sale and their prices
- All 13 floor plans, finishes and appliances
- Compare any two units or layouts side by side
Coming up
Launching next
The next launches on PropNex's preview calendar, and what we know about each so far. Names and dates can still change.
Target preview Dec 2026OCR · D25EC
Wynwood Grand
Woodlands Drive 17, Woodlands 430 homes$782 psf ppr land City Developments (CDL) What we know so far → Target preview Jan 2027OCR · D23ECSolano Grand
Senja Close, Bukit Panjang ~302 homes$771 psf ppr land City Developments (CDL) What we know so far → Preview 16 Jan 2027 (TBC)OCR · D27Chencharu Central Residences
Chencharu Close, Khatib, Yishun 875 homes$980 psf ppr land Evia Real Estate, Gamuda Land and Ho Lee Group What we know so far → Target preview Feb 2027OCR · D19One Chuan Grove
Chuan Grove, Lorong Chuan, Serangoon ~1,056 homes$1,331–$1,376 psf ppr land Sing Holdings and Sunway MCL What we know so far → Target preview Feb 2027OCR · D26Lentor Signature
Lentor Central, Lentor 553 homes$1,278 psf ppr land GuocoLand, Intrepid Investments (Hong Leong) and TID What we know so far → Target preview Feb 2027CCR · D10The River Opus
River Valley Road (Valley Point and Fraser Suites), River Valley 407 homes999-year lease Frasers Property and Mitsubishi Estate What we know so far →On YouTube
Latest videos
Launch breakdowns, policy changes and the questions upgraders ask me most.
Clients
What clients say
“When life threw me one of its toughest curveballs — a divorce, two kids to care for, and the urgent need for a new home — Melissa wasn’t just a property agent. She became my lifeline. … She helped me sell my private property at a fantastic margin, and then found a beautiful HDB flat where my kids and I now live happily.”
“We met Ms. Melissa Chan in December 2024 when we were looking to sell our HDB flat and purchase a condominium at the same time. As we had no prior experience with concurrent selling and buying, Melissa spent a great deal of time patiently guiding us through the entire process. … She followed through on everything, even after collecting her commission.”
“From the very beginning, you demonstrated a keen understanding of our needs and preferences … Your attention to detail, coupled with your invaluable insights and guidance, made the entire process smooth and stress-free.”
About
Hi, I'm Melissa
I'm an Associate Group Director with PropNex Realty (CEA Reg. No. R063314G). On my YouTube channel I break down new launches layout by layout, and talk through the questions upgraders and first-time buyers ask me most: new launch or resale, what policy changes mean for prices, and how to plan for when you sell.
Talk to me
Ask about a launch, book a showflat viewing, or get a second opinion on a unit you're looking at.
- WhatsApp / phone
- +65 8102 1221