http://forum.lowyat.net/ Wed, 28 Oct 2026 16:35:53 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/5572452 Hi Sifus and Property Experts,<br /><br />Looking for some advice and real-world experiences from anyone who has gone through upgrading from a developer condo unit to a landed subsale property.<br /><br />Brief Background:<br />Bought a brand new condo directly from developer about 2.5 years ago. Currently staying in it. Lock in period with bank is expiring soon, and planning to sell in 1–2 years&#39; time.<br />Want to upgrade to a landed property to move closer to my wife’s workplace and children’s school (targeting established/growing townships nearby).<br />For the locations and house types we are aiming for, mostly subsale units are available (or new launches that take too long to complete).<br />Sales proceeds from current condo should easily cover all upfront downpayment + legal/stamp duty fees for the next house.<br /><br />Questions for Sifus who have done this before:<br />Sell First vs. Buy First for Subsale?<br />Since we are staying in our current unit, what is the best sequence? If I sell first, how do you handle the timing gap so the family doesn&#39;t need to move twice? Or can I request to rent the house I just sold? <!--emo&:cry:--><img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /><!--endemo--> <br />Coming from a developer new-launch background (where HDA covers SPA/loan fees, progressive billing, etc.), what are the major hidden traps or cash outflows when buying subsale landed? (e.g., Valuation gap, unexpected repair costs, layer of legal fees). <!--emo&:stars:--><img src='http://static.lowyat.net/style_emoticons/default/rclxub.gif' border='0' style='vertical-align:middle' alt='rclxub.gif' /><!--endemo--> <br />Since max loan tenure is capped at ~30 years at age 40, monthly repayments will be slightly higher than a standard 35-year tenure. For those who upgraded around this age, did you feel any cash flow crunch or did the higher principal reduction pay off faster?<br />For those who moved from condo -&gt; landed subsale in your late 30s/early 40s, any regrets, things you wish you knew earlier or key things to check during viewing?<br /><br /><b>Appreciate any constructive feedback, experiences, or advice from sifus here. Thanks </b> <!--emo&:respect:--><img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /><!--endemo--> LifeGoes1BeStrong Property Talk Wed, 29 Jul 2026 17:47:55 +0800