TLDR When considering buying a second property in Singapore, ensure eligibility by meeting the Minimum Occupancy Period (MOP) and understanding loan eligibility based on Total Debt Servicing Ratio (TDSR) and...
Strategies for Overcoming ABSD and Acquiring Multiple Properties in 2023 (Revised)
TLDR When it comes to navigating the Additional Buyers Stamp Duty (ABSD) in Singapore, there are legal strategies available to help investors save on costs and own multiple properties. Key...
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The Sneaky Role of Property Appraisals in Shaping Singapore’s Home Prices
TLDR When it comes to the real estate market in Singapore, understanding property valuations and the impact on mortgage loans is crucial. Property valuations can be subjective, influenced by recent...
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When will En-Bloc set to Become Reality Beyond 2023?
TLDR The real estate market is experiencing a lull in en-bloc activities due to various factors. Higher Additional Buyer’s Stamp Duty (ABSD) rates, the government's release of Government Land Sales...
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Is Your Condo Management a “Hidden Authoritarian” in Singapore? Understanding Governance in Strata Living
TLDR Condominium living in Singapore can sometimes feel authoritarian due to the management committee's control, especially when a few owners dominate decisions like pet policies or facility use. Potential buyers...
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HDB’s Policy Shift for Young Couples: Progressive Step or Cause for Concern?
TLDR Starting July 2025, HDB will let young couples—where at least one partner is a full-time student or NSF—defer income assessment for BTO loans until flat key collection. This helps...
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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...
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Tips for Choosing the Home of Your Dreams
TLDR Decoding the Singapore property market can be challenging, but understanding key factors like property size, location, and lease tenure is crucial. Consider proximity to amenities, good schools, and future...
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What is a Tenancy Agreement (TA)
TLDR When it comes to understanding property jargon, it's crucial to familiarize yourself with the specifics of a Tenancy Agreement (TA) in Singapore. This legal document outlines the rights and...
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When Should You Consider a Shorter/Longer Home Tenure?
TLDR Understanding the benefits of long-term home loans is crucial for financially conservative individuals in Singapore. Opting for a longer loan tenure can provide financial flexibility and stability, especially during...
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Reach Your Goal of Owning a Flat Before You Turn 35 : Money-Saving Strategies
TLDR Jayson Ang provides valuable insights on money-saving strategies to achieve the goal of owning a flat before turning 35 in Singapore. The post covers essential tips on managing CPF...
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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...
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The Quick Guide For Buying Landed Property In Singapore
TLDR When it comes to purchasing a landed property in Singapore, there are three main types to consider: terrace houses, semi-detached houses, and bungalows. Terrace houses are rows of at...
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Would It Be More Better To Engage One Property Agent Or Multiple Agents In The Selling Process?
TLDR When planning to sell your property, you have the option to work with one agent exclusively or non-exclusively. Engaging multiple agents can widen your reach to potential buyers, but...
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Beware of These 7 Deceptive Tricks In Showflat Condo Sales
TLDR When navigating the complexities of the real estate market, it's crucial to be wary of hidden marketing tricks when shopping for a new property. Always scrutinize show flats to...
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What Has Been The Most Significant Development In The Real Estate Market In 2022
TLDR In 2022, the real estate market saw significant interest rate hikes affecting home loan rates. Despite concerns, the market remained stable with limited supply and consistent demand, leading to...
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The Rise of New Launch 2-Bedroom Condos: Why Homebuyers are Prioritizing Them Over Resale Options in 2025
TLDR Two-bedroom condominiums are shifting from primarily rental investments to popular family homes, especially among small families and HDB upgraders, due to rising home prices forcing size compromises. New launch...
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Unlock The Key To Selling A Home With A Perceived Disadvantage Like Being West-Facing Or Close To A Rubbish Chute – Here’s How!
TLDR When selling your house, turn perceived disadvantages into advantages. For sun-facing homes, use UV sheets and blinds to manage sunlight. High-floor units may offer stunning views that outweigh minor...
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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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7 Frequently Overlooked Questions That New Condo Buyers Should Ask At The Showflat To Avoid Any Regrets In The Future!
TLDR Newly launched condominium buyers face uncertainties about price changes, proximity to schools, construction methods, maintenance costs, elevator availability, commercial management, and waste disposal systems. Understanding these factors can impact...
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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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HDB’s Policy Shift for Young Couples: Progressive Step or Cause for Concern?
TLDR Starting July 2025, HDB will let young couples—where at least one partner is a full-time student or NSF—defer income assessment for BTO loans until flat key collection. This helps more young Singaporeans apply for flats earlier, basing loan eligibility on their future, likely higher incomes. While it makes homeownership more accessible and may boost...
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Singapore Distressed Property Market in 2025: Separating Fact from Fiction
TLDR Mortgagee sale listings in Singapore rose in Q1 2025, mainly due to higher interest rates in recent years. Despite more distressed properties hitting the market, bargains are rare—banks set reserve prices based on fair market value, not desperation. Only about 5% of mortgagee auctions end in a sale, as most buyers negotiate privately afterward....
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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 with private or convertible office spaces. Pay attention to noise issues from layouts, neighboring units, or nearby roads, and consider higher floors or soundproofing. Dual-key...
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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 example, mortgage lock-ins can secure lower interest rates if you don’t plan to refinance soon; leasehold properties offer strong rental yields without the premium of...
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Why Are Singapore Property Agents So Keen on New Launch Condos? Unpacking the Motivations in 2025
TLDR In Singapore’s 2025 property market, agents’ strong preference for recommending new launch condos is less about chasing commissions and more about adapting to current realities: commission differences between new launches and resale have narrowed, while limited resale inventory means fewer viable options for buyers. New launches also offer streamlined viewing experiences and more transactional...
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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 an ex-colleague, turning an old apartment into a bed-and-breakfast. They maintain a stable business relationship, focusing on shared goals. John, unable to buy an HDB...
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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 and less competition, while waiting until completion might attract more buyers and higher prices, albeit with potential risks like construction issues. Data from various condo...
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The Importance of Caution Regarding Property Oversupply in Singapore
TLDR Recent challenges in China's real estate sector reveal valuable lessons for Singaporeans, emphasizing the importance of understanding governmental interventions in property markets. While China's cultural preference for home ownership and speculative investments mirrors Singapore's, policy changes in both countries highlight potential risks for homeowners. Singapore's history of significant policy shifts, such as the Built-To-Order...
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Is Lifelong Renting a Viable Option in Singapore?
TLDR In Singapore, while the majority aspire to own homes, a small segment opts for lifelong renting, driven by personal preference or necessity. Lifelong renters enjoy freedom of mobility, superior investment opportunities, and flexibility in adapting to life changes. Renting allows them to keep their capital liquid and avoid the hassles of home maintenance. However,...
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Property Unpacked: Is GLS Impacting Property Values?
TLDR The Government Land Sales (GLS) program in Singapore is critical for developers to obtain development land, with sites released biannually. The Urban Redevelopment Authority (URA) manages non-industrial land sales, while the Ministry of Trade and Industry (MTI) oversees industrial sites. GLS sites are categorized into confirmed and reserve lists, with confirmed sites available on...
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I Wouldn’t Rely Too Heavily On Discounts Related To ABSD This Year
TLDR The ABSD discount arises when developers approach their five-year deadline to sell 90% of units, facing a 40% penalty on land price for unsold units. Although 44 projects from 2021-2023 were extended, reasons remain vague, raising transparency concerns. Critics argue this favors wealthy buyers who can wait for discounts on high-priced units. Developers rarely...
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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 foot home, expect to spend around $1.2 million on construction alone, excluding land costs. Factors like the number of levels, basement inclusion, and demolition of...
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Is Renting Out Your HDB to Live in a Condo a Smart Move? How Rentvesting Can Help You Save Money
TLDR Rentvesting is a strategy where individuals rent a home in their desired location while purchasing investment properties in more affordable areas. This concept is increasingly popular in Singapore as it allows people to upgrade their lifestyle by living in a rented condo without incurring significant debt or additional taxes like the Additional Buyer's Stamp...
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“I Kept My Condo Empty for 7 Years” – Here’s What Singaporeans Living Overseas Do With Their Properties Back Home
TLDR In today's global workforce, many Singaporeans find themselves working abroad, raising questions about the management of their local properties. Whether it's seeking special authorization to rent out HDB flats before the Minimum Occupation Period, keeping condos unoccupied for legacy reasons, managing rentals from afar, or offering property to family temporarily, each scenario reflects diverse...
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4 Intriguing Property Trends in Singapore for 2024
TLDR The dynamic shifts in Singapore's real estate market following Covid, highlighting three key trends: the surprising resilience of the luxury property sector despite heightened ABSD rates, the cautious approach of developers towards prime land availability, and the growing willingness of younger buyers to overlook lease decay in favor of location. The luxury market has...
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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 the prior year). This issue is particularly sensitive for many Singaporeans, who already perceive our small island as overcrowded and believe there is excessive competition...
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Reasons Why En-Bloc Sales Are Expected to Remain Slow in 2025
TLDR From 2014 to 2024, the en-bloc market has faced challenges due to fluctuating cooling measures and a shift from housing surplus to shortage. Developers struggle with a five-year timeframe to sell projects before facing Additional Buyer Stamp Duty (ABSD), making land replenishment cycles difficult. Government Land Sales (GLS) create stiff competition, favored by developers...
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When Should You Consider Investing in Singapore Property, and When Should You Avoid It?
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 their unique needs and perspectives. Before investing, consider factors like your investment timeline, specific financial objectives, potential rental income, invisible costs such as emotional stress,...
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Why Selling Your Own HDB Flat May Be More Challenging Than You Anticipate: 7 Hidden Challenges to Prepare For
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 for viewings, dealing with no-shows, and facing critical remarks about your home can be overwhelming. Additionally, some buyers may lack proper financial approvals, complicating the...
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Is it Possible for the Government to Truly “Reclaim Your Home” in Singapore?
The Singaporean government possesses considerable authority to reclaim land, whether freehold or not, in accordance with the Land Acquisition Act. Thankfully, this authority has been exercised infrequently since the 1960s, a period during which it was essential for constructing mass housing and restructuring the city. However, this does not imply that it has been entirely...
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