TLDR Selling your flat can be a daunting task, not because of the paperwork but due to challenges in marketing and dealing with potential buyers. Handling numerous inquiries, dedicating weekends...
6 Myths About Using Your CPF For Housing
TLDR When it comes to purchasing a house in Singapore using CPF funds, there are several myths that need to be debunked. From the misconception that grant money needs to...
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Why It’s Not Financially Sensible to Pay Off Your HDB Flat Home Loan in Advance
TLDR When deciding whether to repay your HDB flat loan early, consider the limitations of not being able to obtain a home equity loan and the decreased cash reserve. Repaying...
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Integrated Developments: Do They Live Up to the Hype? Check Out These Five Factors
TLDR Integrated developments in Singapore offer a one-stop solution for residents by combining residential, commercial, and transport elements in one location. They provide convenience, community vibes, security, proximity to amenities,...
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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...
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HDB Owners Missing Out on the “Ultimate Upgrade” to Landed Living
TLDR Over the past two decades in Singapore, the trend of HDB residents upgrading to landed properties has fluctuated. While HDB upgraders once made up a significant portion of landed...
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Beware! Spot These Warning Signs Before Making a Home Purchase!
TLDR When purchasing a property in Singapore, it is crucial to thoroughly assess various aspects of the home to avoid potential issues. Check the overall condition of the building, built-in...
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Increase in ABSD April 2023
TLDR The impending rise in ABSD (Additional Buyer's Stamp Duty) is expected to suppress investment demand, allowing local homebuyers to take center stage. Despite this, the influx of new housing...
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44 Exciting New Condo Launches in 2024 Starting at $1,402!
Alright, let's talk about 2024. We're not expecting the same kind of shortages we've seen after COVID-19. Some folks are even guessing we might see north of 11,600 new units...
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5 Reasons To Invest In UK Property In 2024 Instead Of Saving
TLDR Investing in UK property in 2024 offers significant advantages over saving due to the potential for long-term value growth, protection against inflation, stable investment opportunities, additional income streams, and...
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Reduced Lease Durations for HDB Flats: What Potential Savings Could Your Property Offer?
TLDR Shorter lease HDB flats are typically about 22–25% cheaper than their 99-year counterparts, based on both resale and BTO market data. For example, a 4-room resale flat with 60–70...
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The Ultimate Checklist for Work-From-Home Homebuyers in Singapore: Beyond the Basics
TLDR Remote work has changed what makes an ideal home—buyers now need to prioritize productivity and well-being alongside location and price. Open-concept layouts can hurt focus, so look for homes...
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Here Are 6 Interesting Facts About The Minimum Occupation Period (MOP) That Not Many People Know About In Singapore
TLDR When it comes to understanding the Minimum Occupation Period (MOP) set by the Housing Development Board (HDB) in Singapore, there are several key points to consider before purchasing your...
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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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6 Factors Making Singaporean Properties Difficult to Sell (Even in a Strong Market)
TLDR Properties in Singapore may linger on the market due to several key factors. Small boutique developments face price volatility, while mega-developments suffer from intense competition amid many listings. Tenanted...
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Subscribe to Jayson Ang’s Singapore Property Newsletter
TLDR Jayson Ang's Singapore Property Newsletter offers valuable insights on real estate investments, market trends, and expert advice. The newsletters cover a range of topics from property valuation to investment...
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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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What You Need to Know About Residential En Bloc Sales in 2025
TLDR En bloc sales in Singapore involve selling entire buildings to developers for redevelopment, with most owners needing to agree. This process helps maximize land use in a land-scarce country...
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How to Identify an “Undervalued Property” in Singapore in 2025: 6 Easy Tips
TLDR Undervalued properties are harder to find in Singapore due to market transparency, but deals still exist. Target areas with new or recent launches—resale condos nearby may be underpriced before...
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Fresh Take: Old vs New Condos in District 15 — Which Gives Better Value in 2026?
TLDR District 15 condos show a nuanced split between old and new developments. Freehold projects have driven much of the district’s outperformance, with stronger annualized growth compared to national averages....
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How CPF Adjustments in 2025 May Influence Your Homebuying Decisions in Singapore
TLDR In 2025, significant CPF changes in Singapore impact homebuying decisions, especially for older homeowners. The Special Account (SA) for those 55+ was closed, with funds moved to the Retirement...
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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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Leasehold vs. Freehold Condos in Singapore: A Decade of Data
TLDR In Singapore’s property market (2014-2024), leasehold condos often outperform freehold in short-term holding (around 10 years) due to lower prices and stronger gains. Freehold properties show better returns mainly over longer periods, especially for older buildings. Newer freeholds are more volatile and don’t guarantee quick profits. Leasehold leads in new-to-resale sales, while older freeholds...
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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 June) tends to see price gains, favoring sellers. Q3 sees demand rebound after the Hungry Ghost Month, contributing to price increases, and Q4 also shows...
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Will Property Owners Earn More By Keeping Residential Properties For An Extended Period?
TLDR In Singapore, holding a residential property longer typically yields higher profits—averaging $665,000 after 20 years, versus $200,000 for 5–10 years. Most owners sell within 10 years, but freehold and landed homes are kept longer and tend to be more profitable. However, holding an unprofitable property too long can increase losses. Executive condos often deliver...
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$1.5 Million HDB Flats: Their Locations and Reasons Behind Being Singapore’s Priciest Public Housing
TLDR Singapore’s HDB resale market has entered a new phase, with at least 13 flats sold for $1.5 million or more—most transacted between May and July 2024. These record-breaking flats are usually large (jumbo, maisonette, or 5-room DBSS), in central locations like Tiong Bahru, Bishan, Toa Payoh, and Pinnacle@Duxton, and often situated on upper floors...
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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 may affect your resale value. High agent commissions and sudden spikes in advertising could signal slow-moving projects. Be cautious with claims about school proximity; not...
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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 Duty (ABSD) for upgraders. The ABSD controls demand and helps prevent runaway price increases by discouraging rushed upgrades and encouraging realistic resale pricing. Executive Condominiums...
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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 launch buyers made profits in recent years. Arguments against resale condos, such as higher renovation costs, less efficient layouts, and greater mortgage expenses, are often...
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