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Hadirman Shah Realtor on Instagram: "Thinking of upgrading your HDB but not sure if the numbers make sense? Most people only look at the selling price. They forget about: • CPF refund • Accrued interest • ABSD (if applicable) • Cash flow after upgrading • Timeline risk I’ve seen couples almost commit before doing proper calculations. Before you make a move, make sure the move makes sense. Comment “PLAN” if you want to understand your real numbers no pressure, just clarity. Hadi Guiding You Home"
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