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...
Is 2024 the Perfect Moment to Refinance Your Home Loan? Discover What Homeowners Should Consider!
TLDR The article covers the shift to SORA for home loan rates, urging consideration of refinancing options amidst rising rates. It highlights the impact of elevated rates and floor rates,...
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Unveiling 4 Scenarios of CPF Accrued Interest Impact on Property Owners
TLDR When selling your first home, be aware of CPF accrued interest, which is the interest that would have accumulated on your CPF savings if you hadn’t used them for...
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Why Singapore Families Are Opting for Two-Bedroom Homes in 2025
TLDR By 2025, Singapore families are increasingly choosing two-bedroom condos as practical long-term homes rather than temporary stepping stones. This shift is driven by four main factors: affordability, smarter layouts,...
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Why Some New Condo Releases Outperform Others
TLDR When it comes to the real estate market, familiarity plays a crucial role in the success of larger condo projects like Lentor Mansion, compared to smaller boutique condos. Developers...
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Discover the 7 Unique Attributes of Real Estate Investing
TLDR The post highlights the benefits of investing in real estate, such as high leverage, capital appreciation, income generation, usability, flexible repayment options, debt financing, and its low-volatility nature. Additionally,...
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Love Across Borders: Navigating Singapore’s Housing Choices for Mixed-Nationality Couples
TLDR Marriages between Singaporeans and foreigners now make up about 20% of all marriages, but housing options for these couples remain limited. Mixed-nationality couples face challenges owning HDB flats, as...
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What Role Does Property Valuation Play In The Real Estate Industry, And Why Is It Important?
TLDR When it comes to property valuation, understanding the process is crucial for both buyers and sellers. Property valuations can vary between indicative and actual valuations, impacting loan amounts, taxes,...
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Why More First-Time Buyers Are Picking Condos Over BTO Flats in 2025
TLDR In 2025, more first-time Singapore buyers are choosing condos over BTO flats. Key reasons include faster move-in times, better facilities (like pools and gyms), higher security, and fewer buying...
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The Dilemma of Retaining Your HDB Flat While Owning a Condo in Singapore (2025)
TLDR Singaporean citizens can own both an HDB flat and a condominium if the HDB was purchased first and after the 5-year Minimum Occupancy Period, but buying a condo after...
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Three Singaporeans Share Their Experiences of Co-Owning a Property with Friends
TLDR In Singapore, some individuals venture into property investments with unrelated partners, driven by opportunities and personal circumstances. Jim, leaving finance during the 2009 crisis, invested in real estate with...
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Understanding Government Land Sales (GLS) and Their Influence on Singapore’s Property Market
TLDR Singapore’s Government Land Sales (GLS) Programme is a key tool used by the government to manage land supply and urban development in a country where land is scarce. The...
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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,...
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Timing the Singapore Property Market: A Data-Driven Analysis
TLDR Historical data of Singapore’s property market shows seasonal trends: Q1 (January to March) often has price dips, making it a potentially better time to buy, while Q2 (April to...
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What Happens To Your Housing Loan Once You Sell Your House?
TLDR When selling your home in Singapore, ensure you pay off your outstanding home loan, refund any CPF monies used, and cover miscellaneous fees like agent commission and legal fees....
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What’s Next for HDB Owners?
Buying a home always seems daunting especially such it is a big-ticket item and the prices for private homes can easily start at a million dollars. But when you have the...
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NUS Real Estate Survey Reveals Growing Optimism Among Industry Leaders
TLDR A recent survey by the National University of Singapore (NUS) highlights increasing optimism among real estate industry leaders. The findings reveal a positive outlook for market growth, driven by...
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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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3 Trends For New Launch Properties In 2023
TLDR When considering buying or selling a property in Singapore, it's crucial to understand the market dynamics and key metrics. In 2023, there will be around 40+ new launches for...
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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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Finding Your Dream Home In The Near Future. Exciting Upcoming Property Launches In The First Half Of 2024
TLDR The real estate sector in 2023 saw significant policy shifts affecting both private and public housing, with various changes like hikes in ABSD rates and tweaks to public housing...
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Selling Your Home for the First Time in Singapore: A Step-by-Step Guide
TLDR Selling your home in Singapore involves careful planning over several stages. Start 4-6 weeks before listing by consulting a property professional, setting a realistic price based on valuation, assessing outstanding mortgage and CPF refund, and preparing the property for viewings. List and market your property for 1-3+ months, responding quickly to offers and negotiating...
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Integrated Developments and Condo Values: A Look at Sengkang Grand Residences
TLDR The impact of the new integrated development, Sengkang Grand Residences, on nearby condo prices was studied by comparing it with neighboring developments like The Quartz and Jewel @ Buangkok. While Sengkang Grand Residences itself showed the lowest price appreciation due to its higher launch price, its close neighbors saw price gains in line with...
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The Real Impact of Industrial Areas on Condo Prices: A Tale of Two Towns
TLDR A case study comparing condos near light industrial areas in Yishun and Bishan found that proximity to these zones does not negatively impact condo prices or profitability. In fact, condos closer to light industrial areas showed higher returns on investment (ROI) and better profitability over 10 years compared to those further away. Factors such...
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The Myth of Cheaper New Condos from Lower Land Prices in Singapore
TLDR Lower Government Land Sales (GLS) prices do not automatically lead to cheaper new launch condos in Singapore. Developers base pricing more on market demand and willingness to pay, often absorbing land cost savings as profit rather than passing them to buyers. While small discounts or incentives might appear, broad price reductions are unlikely. Property...
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Singapore’s Aging Population: Is the Housing Market Ready?
TLDR Singapore is rapidly aging, with one in four citizens expected to be over 65 by 2030. Current housing models, like the 99-year lease and small-scale senior initiatives, fall short of meeting seniors' diverse and growing needs. Existing schemes provide limited options and often lack space or community feel, while pilot projects are not comprehensive...
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Beyond Tenure: Why These Buyers Chose Older Leasehold Condos in Singapore
TLDR Older leasehold condos in Singapore may face skepticism but offer key benefits such as affordability, location, and flexibility. Three homeowners shared their experiences: CH and his wife, both self-employed, chose an older leasehold condo for its sea view and price under $1.2M, preserving future purchase options. SY bought Pearl Bank Apartment near Chinatown for...
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Challenging the Myth of Lease Decay: Older Leasehold Condos Outperforming Newer Ones
TLDR Older leasehold condos in Singapore, particularly those built in the 1980s and 1990s, have shown annualised price growth exceeding 3%, sometimes outperforming newer developments. The COVID-19 pandemic increased demand for affordable, larger units suitable for Work From Home, boosting prices of older condos. While lease decay remains a long-term concern, these properties offer strong...
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The 15-Month Wait-Out Period: An Unnecessary Burden in a Challenging Economy
TLDR The 15-month wait-out period introduced in September 2022 requires private property owners to wait before buying a resale or BTO HDB flat, aiming to curb million-dollar HDB transactions by limiting demand from private owners. However, despite reducing private owner purchases of million-dollar flats from 34% to 12%, the total number of such transactions rose...
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The Unexpected Choices: Why Some Singaporean Homebuyers Opt for Smaller Condos (Even When They Could Afford More Space)
TLDR In Singapore's property market, buyers often prioritize factors beyond just size. Many choose smaller units within their budget due to better layouts, locations close to MRT stations, or newer developments offering efficient designs and fewer renovation costs. Older homeowners may downsize strategically to better match family needs and boost retirement savings. Investors might prefer...
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Love Across Borders: Navigating Singapore’s Housing Choices for Mixed-Nationality Couples
TLDR Marriages between Singaporeans and foreigners now make up about 20% of all marriages, but housing options for these couples remain limited. Mixed-nationality couples face challenges owning HDB flats, as only the Singaporean spouse can officially own resale flats, with the foreign spouse as an “Essential Occupant.” Rising resale prices and uncertain Permanent Resident status...
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Punggol Northshore HDB Flats Reaching MOP: Navigating the Resale Window
TLDR In 2025, around 1,765 HDB flats from Northshore Residences I & II and Northshore StraitsView in Punggol’s Northshore will reach their Minimum Occupancy Period (MOP), flooding the resale market. This creates a brief “MOP window” where early sellers can command higher prices due to limited lease decay and fresh conditions. However, the market will...
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The Integrated Living Experience: Benefits and Drawbacks of Condos Above an MRT
TLDR Integrated developments in Singapore combine residential units with commercial spaces and direct MRT access, offering convenience and car-free living. Residents appreciate easy access to amenities and increased social visits. However, common complaints include confusing layouts with multiple lobbies and lift systems that complicate navigation for visitors and deliveries. The success of these developments also...
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Beyond Profit: Singaporean Homeowners Share Stories of Purpose-Driven Property Purchases
TLDR In Singapore, some homeowners prioritize personal comfort, convenience, and family needs over financial gains in property purchases. YC bought a familiar condominium she had rented for years despite its aging lease and less attractive location, valuing emotional connection and space. Aaron chose a less appealing walk-up apartment near his workplace for convenience, accepting minimal...
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New Condo Sales Surge: Decoding Singaporeans’ Enthusiasm Despite “High” Prices
TLDR Recent strong condo sales in Singapore, including Emerald of Katong’s 99% take-up during launch, challenge perceptions of unaffordability. Key reasons include pent-up demand after limited launches in early 2024, attractive mega-developments in strategic locations near MRTs, and optimism fueled by US interest rate cuts lowering borrowing costs. Additionally, investors are redeploying gains from stocks...
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Purchasing Older HDB Resale Flats: Key Considerations When the Flat Outlives You
TLDR HDB flats have a 99-year lease, and key housing schemes require the lease to cover the youngest owner until age 95. If the flat is five or more years older than the buyer, CPF usage, HDB grants, loan amounts, and eligibility for the Lease Buyback Scheme are all reduced or restricted. Buyers should be...
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Dispelling Common Myths: Navigating Singapore’s Property Market in 2025
TLDR Singapore’s property market in 2025 is fast-moving and different from five years ago. Buyers often overestimate available options due to multiple listings and rapid sales of new launches. Comparing price per square foot (PSF) can be misleading because of recent changes in floor area calculations. Property agents now offer varied services with different commission...
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Uncovering Hidden Details: Key Questions to Ask at a New Launch Condo Show Flat
TLDR Show flats can be impressive but may hide important details. Buyers should ask about room sizes, furniture fit, balcony usability, appliance spaces, and bathroom plumbing. Check countertop materials, ceiling heights, and lift availability to avoid future issues. Sales teams highlight strengths, so verify facts across projects and seek independent advice to make informed decisions....
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The Unsung Importance of Property Finishing: More Than Just Aesthetics
TLDR Many homebuyers overlook the importance of high-quality finishes in properties, assuming they will renovate later or that tenants won’t pay more for premium materials. However, poor finishes can lead to costly premature renovations, reduced rentability due to unattractive units, safety hazards like rust or broken tiles, pest infestations from water seepage and gaps, and...
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Navigating Property Purchases in Singapore: Why Going Without an Agent Can Be Risky
TLDR Many homebuyers hesitate to engage their own real estate agent due to misconceptions about costs and conflicts of interest. However, having a dedicated buyer’s agent offers key benefits, such as spotting critical contract issues, preventing avoidable expenses, identifying unauthorized property modifications, and streamlining the property search with verified data. Without an agent, buyers risk...
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Timing the Market: Lessons from Singapore’s Property Price Fluctuations
TLDR Singapore’s property market has seen price declines during major crises such as the 1985-1989 pre-recession, 1996-1998 Asian Financial Crisis, 2000-2004 dot-com bubble and SARS, 2008 Global Financial Crisis, and the 2020 COVID-19 pandemic. However, timing these dips is difficult because recovery periods are often quick, and market windows for buying at the bottom are...
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