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Let's address your questions one by one:

**1. Can I sell my HDB 4 RM if I have not stayed 5 years or more? (HDB policy)**

Generally, you cannot sell your HDB flat on the open market before fulfilling the Minimum Occupation Period (MOP), which is typically five years from the date you collect your keys. However, there are a few exceptions where you might be allowed to sell earlier:

* **Divorce:** If you're getting a divorce, you might be exempted from the MOP.
* **Medical reasons:** You might be allowed to sell early due to medical reasons, such as requiring a flat on a lower floor due to mobility issues.
* **Financial difficulties:** In some cases, HDB may consider allowing early sale due to financial hardship.

If you don't fall under any of these exceptions, you'll need to wait until you've fulfilled the MOP before selling your flat on the open market.

**2. What is the current market price for my 4 RM flat 3rd floor at Strathmore Avenue? (85 sqm)**

To get an accurate estimate of your flat's current market value, I recommend using the following resources:

* **HDB Resale Flat Prices portal:** This official HDB portal allows you to check recent transacted prices of similar flats in your area.
* **Online Valuation Tools:** Several property websites offer free valuation tools that can provide an estimated value based on recent transactions and property data.
* **Engage a Property Agent:** A property agent can provide you with a more accurate valuation based on their expertise and knowledge of the local market.

**3. Is it a good time to sell my flat now & upgrade to Condo?**

Whether it's a good time to sell your HDB flat and upgrade to a condo depends on various factors, including:

* **Current market conditions:** Property prices have been increasing in recent years, so it might be a good time to sell if you're looking to maximize your profit. However, it's important to note that the market can be unpredictable.
* **Financial situation:** Upgrading to a condo typically involves a higher financial commitment. Ensure you have sufficient funds for the down payment, stamp duties, and other associated costs.
* **Personal preferences:** Consider your lifestyle and housing needs. A condo offers more amenities and privacy but might be smaller than your HDB flat.
* **Future plans:** Think about your long-term plans. Do you intend to stay in the condo for a long time, or is it a stepping stone to another property?

**Recommendation:**

Before making any decisions, it's crucial to do thorough research, consult with a property agent, and assess your financial situation carefully. They can provide you with valuable insights and guidance based on your specific circumstances.

I hope this helps!
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"If you need more assistance with property matters:

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WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

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