TLDR Investing in real estate is a complex decision influenced by personal goals, investment horizon, rental plans, and financial liquidity. Property valuation is subjective, varying among different buyers based on...
Should You Purchase a Small Landed Home or a Larger Condo? Insights from Singaporeans
TLDR When deciding between a compact landed house and a spacious condominium, consider key factors like security, parking, maintenance costs, pest control, customizability, and neighbor situations. Condos generally offer 24/7...
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4 Key Factors to Consider When Purchasing a Private Property for the First Time
TLDR When considering buying or selling property in Singapore, it's crucial to understand factors like Additional Buyer’s Stamp Duty, Loan-To-Value rates, Total Debt Servicing Ratio, and Property Tax changes. Recent...
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6 Essential Factors HDB Upgraders Should Be Aware Of Before Purchasing a Condo in 2023
TLDR When upgrading your property, consider factors like rental rates, Buyer's Stamp Duty adjustments, higher interest rates for bank loans, potential pool of buyers for your flat, obtaining home loans...
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5 Facilities Selling Points Condo Sellers Should Emphasize To Entice Potential Buyers
TLDR When selling a condo, focusing on highlighting key facilities like gyms, swimming pools, family-friendly amenities, community gardens, and clubhouse facilities can significantly attract potential buyers. These features add value...
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Thinking of Selling Your Home in 2024? 5 Vital Realities Every Seller Must Face
TLDR From 2022 to 2024, Singapore's housing market underwent significant changes, with a shift from scarcity to a boom in condos and flats. Rising prices and ABSD regulations have created...
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Say Goodbye to “Sell One, Buy Two” Approach in 2024
TLDR Summary: The "Sell One, Buy Two" real estate tactic, popularized in 2016-2017, involves selling a property and buying two others to avoid stamp duties. However, its appeal has waned...
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Unpacking Property Ownership: Joint Tenancy vs. Tenancy-in-Common
TLDR When a property has multiple owners, the choice of ownership type is crucial to determine how shares are distributed upon a co-owner's passing. Joint tenancy involves unanimous decisions and...
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HDB Owners Have Identified This Reason as the Primary Barrier to Upgrading in 2024. Surprising? Not Really.
TLDR High property prices in Singapore make it difficult for most to upgrade from HDB flats to private condos, despite periodic calls to relax policies like the Additional Buyer’s Stamp...
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5 Frequently Heard Sales Pitches from Agents Encouraging You to Choose a New Development Instead of a Resale Condo: How Accurate Are They?
TLDR While some agents may discourage resale condos due to personal incentives, the difference in profits between resale and new launches is minimal—91% of resale buyers and 89.8% of new...
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Singapore’s En Bloc Landscape in 2025: Four Potential Residential Sites to Monitor
TLDR Developer confidence in Singapore’s property market is rising in 2025 despite global uncertainties, supported by strong sales in new launches. Key en bloc sites include River Valley Apartments, sold...
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The Top 10 Traits Of A Good Real Estate Agent
TLDR Jayson Ang, a reputable real estate agent in Singapore, offers extensive experience and a data-driven approach to guide clients in successful property transactions. From strategic property advice to finding...
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21 Condominiums with Landed Properties Available for Foreign Purchase in Singapore
TLDR Foreigners who want landed living in Singapore but cannot buy traditional landed homes (except in Sentosa Cove) can consider strata-titled landed properties, which are managed like condos and allow...
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Apply Your HDB HFE Letter in 5 Easy Steps: A Simplified Guide for 2023
TLDR The HDB Flat Eligibility (HFE) letter has experienced delays since its introduction alongside the HDB Flat Portal in May 2023. This letter is crucial for determining eligibility to purchase...
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5 Warning Signs of New Launch Condominiums That Certain Property Agents Might Not Disclose to You
TLDR When buying a new launch condo, don’t just rely on show flats or sales pitches—look deeper. Watch out if nearby land plots have been sold for less, as this...
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6 Unexpected Property Warning Signs That Can Be Negative for Some, But Beneficial for Others
TLDR When considering property preferences, what may appear as a disadvantage to some buyers could be a unique opportunity for others. For instance, older properties with long leases can be...
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Downsizing From A Spacious 4-Bedroom Condo To A Cozy 2-Bedder: How I Chose A Condo Over A HDB
TLDR Mdm Sim's decision to trade her four-bedroom house for a two-bedroom condo is explored, highlighting the benefits of right-sizing. The key motivating factors include financial stability, access to amenities...
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How Much You Need to Earn to Afford a Condo 2023
TLDR When considering investing in a private property in Singapore, it's important to understand your borrowing capacity. Financial experts recommend that your monthly mortgage repayment should not exceed 30% of...
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Sell High Buy High : Will This Still Make You a Profit?
TL;DR Summary: Timing of Property Sale: Selling high and buying high may seem counterintuitive, but understanding market dynamics can yield substantial profits. Wealth Multiplication: Early sale post-Temporary Occupation Permit...
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Discover 7 New Condos Close to an MRT Station in 2023
TLDR When it comes to finding the perfect home near MRT stations in Singapore, several exciting new launches stand out in various districts. From Sceneca Residence in District 16 offering...
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What Is The Cost Of Constructing A Landed Property In Singapore?
TLDR Building a landed property in Singapore can be a costly endeavor, with prices ranging from $300 to $500 per square foot for a built-up area. For a 3,000 square...
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5 Untold Risks Of Buying An Old Freehold Condo In Singapore
TLDR Old freehold condos in Singapore may seem attractive due to lower prices, but they come with hidden pitfalls. Longstanding management committees can resist change, leading to politics and even corruption. Mixed-use spaces often suffer from poor retail curation, exposing residents to undesirable tenants. Outdated designs mean inadequate shelter from rain and inconvenient layouts for...
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Are Resale HDBs Really Unaffordable In 2025?
TLDR Singapore’s housing debate is fueled by headlines about million-dollar flats, but most resale 4-room flats in over 10 estates cost less than $600,000. Sticker shock is normal—it doesn’t mean homes are out of reach. Focus on average prices in your preferred areas instead of extremes. While prime locations cost more, reasonably priced options do...
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Should You Make A Partial Prepayment On Your Home Loan In 2025?
TLDR Partial prepayments on home loans can lower your monthly payments and reduce long-term interest, but the decision isn’t always straightforward. With rising interest rates post-Covid and uncertain future rate trends, more homeowners are considering this option. Key factors to consider include potential lock-in penalties from banks (often 1.5% of the prepaid amount), opportunity costs...
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Singapore’s En Bloc Landscape in 2025: Four Potential Residential Sites to Monitor
TLDR Developer confidence in Singapore’s property market is rising in 2025 despite global uncertainties, supported by strong sales in new launches. Key en bloc sites include River Valley Apartments, sold for $56 million and slated for luxury serviced apartments, signaling a possible en bloc revival. Thomson View Condominium, a large site near greenery and MRT,...
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Why Cash Over Valuation (COV) Doesn’t Matter Anymore
TLDR HDB’s old strategy of hiding Cash Over Valuation (COV) data isn’t cooling Singapore’s resale flat market anymore. Prices keep breaking records, driven by cash-rich right-sizers from the private market and sky-high private property prices making million-dollar HDBs look reasonable. Without public COV data, buyers only see final transacted prices, pushing future prices even higher....
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My Dad’s Agent Utilised Misleading Information to Coerce Him into Selling His HDB” – 4 Pushy Sales Techniques You Should Be Aware Of
TLDR While Singapore’s real estate sector is more regulated, some agents still use high-pressure tactics that make buyers uncomfortable. Common strategies include giving unverifiable information about unit availability, exaggerating price trends, pushing unclear or short-lived promotions, and framing situations as urgent crises to pressure decisions. Buyers are often left unable to verify these claims, leading...
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Rise In Private Home Ownership Among Those Under 35
TLDR Youth homeownership in Singapore’s private housing sector is rising, with residents under 35 living in private properties hitting 380,459 in 2023—up from 375,651 in 2022. Modern amenities, exclusive communities, and investment potential attract young buyers. With median household incomes at $10,689 monthly, private condos have become more accessible, especially for those targeting two-bedroom units...
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Homeownership, Desire To Upgrade Still Strong Among Youths
TLDR Young Singaporeans are redefining the "Singapore Dream" with homeownership and property upgrading at its core. Most Gen Zs (85%) and Millennials are prioritizing buying homes, with many aiming to progress from HDB flats to private condos for both lifestyle and investment reasons. However, rising property prices, high interest rates, property taxes, and stricter loan...
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Fresh Take On What Singapore Condo Buyers Want In 2025
TLDR 2025 property buyers in Singapore are more discerning, prioritizing transparency, smart design, and real quality over flashy gimmicks. They care about accurate move-in dates, as delays can create major financial headaches, especially for HDB upgraders balancing timelines and costs. Families want real spaces for kids to play and grow—not just token amenities. Small homes...
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Selling your HDB Resale Flat in 2025 [Comprehensive Guide]
TLDR Selling your HDB resale flat involves a structured 14-step process. Start by registering your Intent to Sell on the HDB portal and checking your eligibility. Next, determine your flat’s value and create an attractive listing to draw buyers. Arrange viewings and negotiate offers, then grant an Option to Purchase (OTP) after verifying the buyer’s...
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Should You Buy An Older Resale HDB Flat If You Are In Your 20s/30s?
TLDR Younger Singaporeans are increasingly drawn to older resale HDB flats due to their larger size and central locations, without the heavy restrictions of newer Plus or Prime flats. However, these flats come with significant considerations: potential lease decay, costly renovations (especially if little has been updated in decades), and inconsistent build quality. Exiting options...
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8 Untold “Savings” Hacks You Need To Know As Soon As Possible
TLDR Undervalued properties in Singapore are those priced at least 10% below market value, often due to urgent sellers, developer ABSD deadlines, or less-desirable locations catching up in value. To find such properties, compare prices of similar developments nearby, look for motivated sellers, monitor projects nearing ABSD deadlines, and check older or long-unsold listings. Auctions...
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Navigating the Unique Landscape of the 2025 Singapore Property Market
TLDR The 2025 Singapore property market faces distinct challenges, including a shift toward Core Central Region (CCR) new launches, limited resale HDB supply, and the impact of strict cooling measures like the 60% Additional Buyer’s Stamp Duty (ABSD) for foreigners. Older buyers face tighter borrowing limits due to Total Debt Servicing Ratio (TDSR) and loan...
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What Is An Affordable Home In Singapore?
TLDR Affordable housing in Singapore is about more than just having a roof over your head—it’s about survival and opportunity. Rising home prices near workplaces and good schools force tough choices, trapping families in cycles where moving for better jobs isn’t financially viable. Gentrification pushes locals out of their own neighborhoods, and shrinking flat sizes...
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Is It Better To Purchase A Larger HDB Or A Smaller Condo For $1 Million In 2025?
TLDR When comparing a large, centrally located resale flat (e.g., 5-room HDB) with a small condo around the $1 million mark, the key trade-offs are space versus facilities and investment potential. Flats offer more living space, access to grants, better local amenities, and lower monthly fees, but have stricter resale rules and limited appreciation potential....
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Should You Pay For A Buyer Agent?
TLDR The idea of making buyers pay their own property agents in Singapore, as suggested by SEAA, makes sense in theory but faces big hurdles in practice. While splitting commissions seems fair, human nature means most buyers will choose free services over paying out of pocket. Agents aren’t likely to change unless everyone is forced...
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A Timeline of Property Cooling Measures in Singapore Through the Years
TLDR Since 2009, Singapore has implemented over 15 rounds of property cooling measures to curb speculation and keep homes affordable. These include tightening loan-to-value (LTV) ratios, raising Additional Buyer’s Stamp Duty (ABSD), introducing the Total Debt Servicing Ratio (TDSR), shortening loan tenures, and imposing higher taxes on foreign buyers and those with multiple properties. Despite...
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How En-Bloc Sales of Condominiums Turned into a Speculative Exit Strategy in Singapore
TLDR En-bloc sales—where owners collectively sell an entire property for redevelopment—have become a key feature of Singapore’s private property market, but this wasn’t always the case. The first such sale was likely five bungalows turned into Anderson 18 in 1979/80, not Cosy Mansions as some believe. The en-bloc trend accelerated when the government began sharing...
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The Surprising Truths of Home Ownership: How Health Challenges Led a Homeowner to Relocate
When thinking about staircases, light switch locations, selling our home, and similar topics, many plan for retirement, assuming these issues are less relevant to younger people. However, life can be unpredictable; health problems might require these changes sooner than expected. This was the case for KL, who was diagnosed with cancer in his late forties....
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What Impact Will Decreasing US Interest Rates Have on Homeowners in Singapore?
TLDR The Fed’s recent 0.5% rate cut is likely to lower Singapore’s SORA-based home loan rates, benefiting those with bank loans in the short term. However, not all borrowers will gain equally—those on longer SORA periods or locked-in fixed rates may not see immediate savings, and refinancing can incur penalties. HDB loan rates and loan...
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