The Lentor Buyer Guide

Upgrading from an HDB flat to a Lentor condo comes down to four numbers: what your flat will fetch, what you still owe and must refund to CPF, how much your income lets you borrow, and how you time the sale against the purchase.

Check current rules

Rules on stamp duty, ABSD and loan limits change. The figures here reflect the rules as commonly published in 2026 (Buyer's Stamp Duty from Feb 2023, ABSD rates from Apr 2023, 55% TDSR, 75% loan-to-value). Confirm with IRAS, HDB and your bank before you commit.
HDB to Lentor CondoThe full path from deciding to upgrade to collecting the keys, in the order things happen.Sell HDB, Buy CondoThe two routes, what each costs in cash and risk, and how a 2029 TOP changes the choice.Upgrade CalculatorEnter what your flat will sell for and pick a Lentor Gardens unit to see your cash position, loan and income needed.Affordability CalculatorType in your income, debts and savings to see the highest price you can buy and which Lentor Gardens homes fit.Best 3BR for HDB UpgradersThe 3-bedroom options still available, ranked by total price, with the income each needs.

Why Lentor Gardens suits the timing

Expected TOP is September 2029. Buying a new launch means paying in stages, not all at once, so you are not forced to sell your flat immediately. That said, the rules on when your flat must be sold have conditions attached. Read sell HDB, buy condo before you sign.

Keep reading

Upgrade CalculatorEnter what your flat will sell for and pick a Lentor Gardens unit to see your cash position, loan and income needed.Affordability CalculatorType in your income, debts and savings to see the highest price you can buy and which Lentor Gardens homes fit.Best 3BR for HDB UpgradersThe 3-bedroom options still available, ranked by total price, with the income each needs.Sell HDB, Buy CondoThe two routes, what each costs in cash and risk, and how a 2029 TOP changes the choice.

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Talk to the agent

Velisa Leong

Division Director, ERA Realty Network Pte Ltd. CEA Reg. No. R053331B.

Questions about a specific unit, your budget, or the timing of an HDB sale? Message directly and get an answer for your situation.

WhatsApp +65 9005 8372 Call +65 9005 8372
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