TLDR In this blog post, the focus is on the challenges and complexities of en-bloc transactions in Singapore's property market. It highlights the emotional and financial aspects involved in such...
6 Ultra-Private Condominiums in Singapore Offering Unparalleled Seclusion
TLDR This article highlights six luxury condominiums in Singapore that offer exceptional privacy by having no direct neighbors on the same floor, appealing to buyers seeking tranquility and exclusivity. Skypark...
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The Impact of a Real Estate Agent on Your Property’s Selling Price
TLDR In the world of real estate, the value of property agents lies in their ability to create competition among buyers, manage transaction deadlines efficiently, allocate resources for targeted listings,...
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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...
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With a population of 6.04 million in Singapore, who are the winners and losers in the property market?
There has been significant outcry regarding Singapore’s population hitting a record high of 6.04 million, largely due to an increase in non-residents (which rose by approximately five per cent from...
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A Guide to Purchasing a New Launch Condo in Singapore in 2023
TLDR When buying a new launch condo in Singapore, start by planning your finances to determine loan and property limits. Shortlist condos based on factors like location, unit size, facilities,...
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Is it Better to Sell Your Newly Launched Condo Before or After Completion? Here’s What the Statistics Indicate
TLDR Determining the best time to sell a newly launched condo involves weighing the benefits of selling before or after the project's completion. Selling early can lead to quicker profits...
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7 Essential Tips for Finding Your Perfect Retirement Home
TLDR Searching for a forever home should balance heart and practicality. Avoid homes with stairs, high cabinets, big kitchens, and complex fixtures that become hard to maintain as you age....
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7 Lesser-Known ‘Minor’ Condo Problems That Could Lead to Major Issues Down the Line
TLDR When choosing a condo, it's crucial to look beyond MRT station proximity, developer reputation, and price. Overlooked details can become significant issues, such as the limited number of parking...
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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,...
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A Step-by-Step Guide To Upgrading From an HDB Flat To Your a Private Property
TLDR Understanding the complexities of upgrading from an HDB flat to a private property in Singapore involves selling your HDB flat first and managing cash flow effectively. Key steps include...
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When to Strike Gold: The Ultimate Guide to Selling Your House in Singapore!
TLDR When deciding the best time to sell your property, consider various factors such as market trends, financial goals, and personal circumstances. Setting specific benchmarks for selling, analyzing market conditions,...
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Why En Blocs Often Fail to Succeed
TLDR In this blog post, the focus is on the challenges and complexities of en-bloc transactions in Singapore's property market. It highlights the emotional and financial aspects involved in such...
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What’s A Fair Price For An HDB Flat in 2025? A Savvy Buyer’s Guide
TLDR There’s no single “fair” price for HDB resale flats—what’s fair depends on your needs, motivation, and timing. To navigate the market, track transaction activity in your target area, study...
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Singapore Homebuyers: Finding Hidden Value in ‘Undesirable’ Property Traits
TLDR Many perceived drawbacks in Singapore’s property market—such as mortgage lock-ins, leasehold status, west-facing units, nearby construction, inefficient spaces, and older car parks—can actually become opportunities for savvy buyers. For...
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Should I Buy In A Newly MOP HDB Or An Older Resale HDB?
TLDR When deciding between a recently MOP-ed HDB property and an older resale HDB property in Singapore, various factors come into play. Consider your individual circumstances, future plans, renovation preferences,...
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Is Great World Quietly Becoming Central Singapore’s Most Livable Locale?
TLDR Great World, located in Singapore’s Core Central Region (CCR), offers a unique blend of heritage, community, and convenience distinct from the glitzy Orchard Road or Marina Bay. Known historically...
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What to Do Before Exercising Option to Purchase?
TLDR Home buyers are advised to thoroughly research property values using online tools, secure an ideal home loan package early on, ensure cash availability for upfront payments, research renovation costs...
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An Essential Guide to Buying a Home in Singapore 2023
TLDR When navigating the complexities of purchasing a property in Singapore, ensure you meet eligibility criteria, consider affordability factors, and plan your finances carefully. Key considerations include property types available...
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Using CPF Funds to Finance Your HDB Flat or Private Property in Singapore: A Comprehensive Guide
Discover the extent to which your CPF savings can be utilized for the acquisition of a HDB home in Singapore, as well as the various expenses for which these funds...
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When Is The Best Time To Buy A New Launch?
TLDR When it comes to new property launches, timing is crucial. Early buyers often secure the best prices due to developer strategies like loss leader pricing. However, waiting post-launch can...
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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]](https://jaysonang.com/storage/2024/12/Selling-your-HDB-Resale-Flat-in-2025-Comprehensive-Guide.jpeg)
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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Multiple Property Ownership in Singapore: A Different Landscape in 2025
TLDR Owning multiple properties in Singapore in 2025 is tougher due to higher Additional Buyer’s Stamp Duty (ABSD), stricter Loan-to-Value (LTV) limits, and Total Debt Servicing Ratio (TDSR) rules. ABSD can reach up to 30-35% for second and later properties, increasing costs greatly. Tighter LTV limits and TDSR reduce borrowing capacity. Higher taxes and maintenance...
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What Might Occur If We Ease Property Cooling Measures?
TLDR To assess if Singapore’s property cooling measures are working, compare our actions with China, which is applying the opposite strategy by trying to revive its real estate sector. China recently cut mortgage rates and raised the maximum loan-to-value (LTV) ratio, while Singapore tightened borrowing criteria and reduced LTVs. If China’s moves spark a rebound...
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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 years left on the lease is around 22% less costly than one with nearly a full lease. Similarly, 2-room Flexi BTO flats show a 40%...
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6 Possible Risks of Purchasing a One-Bedroom Apartment in Singapore: Key Considerations to Be Aware Of
TLDR One-bedroom condos in Singapore are attractive for their lower entry price and rental potential, but buyers should be aware of key risks. These units can lack flexibility for changing personal needs (like accommodating family or future life events) due to limited space. Resale and rental prospects depend heavily on location, supply of similar units,...
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Navigating the 2025 Singapore Property Market: Why Informed Buyers Can Stay Confident
TLDR Despite global economic uncertainties, Singapore’s property market remains resilient due to robust financial regulations, conservative loan assessments, and effective government cooling measures. Stringent lending policies like MSR and TDSR prevent over-leveraging, while new LTV limits ensure buyers have enough equity. Self-employed buyers face stricter income assessments, further safeguarding loan stability. Buyers can keep $20,000...
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The Uncomfortable Truth About Homeownership and Relationships in Singapore
TLDR Property ownership and prenuptial agreements are key for married couples in Singapore. Joint ownership (either joint tenancy or tenancy-in-common) affects how property is divided if things go wrong. HDB’s “Owner and Essential Occupier” structure gives no legal claim to non-owners. Prenups aren’t strictly binding but help clarify asset division and reduce disputes. Choosing the...
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Executive Condos in Singapore: Have They Outgrown the “Sandwich Class” Label?
TLDR The Executive Condominium (EC) scheme, once intended as affordable “sandwich class” housing, is now acting more like a lottery ticket due to rising prices and shrinking price gaps with private condos. Projects like Hundred Palms have shown huge resale gains, making ECs attractive for profit rather than genuine long-term living. Affordability is a growing...
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