Guides
The rules and the sequence, written out plainly. Every figure links back to the official source, and the calculators do the arithmetic.
Private property
Condos, apartments, ECs and landed homes, from URA's records.
Buying a private home, step by step
From working out your budget to collecting the keys, with the paperwork and the money that changes hands at each stage.
Stamp duties explained
BSD, ABSD and the mortgage duty: who pays what, when it is due, and why ABSD decides most second-home decisions.
Freehold or leasehold?
What a 99-year lease actually means for value, loans and CPF, and when the premium for freehold is worth paying.
Executive condominiums: the rules
Who can buy an EC, the income ceiling, the five-year MOP, and what happens at year ten when it goes fully private.
How much a bank will lend you
TDSR, the LTV limits, the stress-test rate, and the rules on using CPF — the four things that decide your budget.
Renting a home, step by step
From viewing to keys: the Letter of Intent, good faith deposit, tenancy agreement, stamp duty and handover.
The diplomatic clause
The clause that lets you leave a two-year lease early if you have to leave Singapore, and what to check before relying on it.
HDB flats
Resale flats and whole-flat rentals, from HDB's records.
Buying an HDB resale flat, step by step
From checking your eligibility to collecting the keys: the HDB Flat Portal, the option fee, the valuation, and the money that changes hands at each stage.
HDB grants explained
The three grants a first-timer family can stack on a resale flat, what each depends on, and why they do not arrive as cash.
HDB loan or bank loan?
The two ways to finance a flat, what each costs, how much cash each needs on the day, and when you can still change your mind.
Upgrading from a flat to private property
Sell first or buy first, what ABSD does in between, and the 15-month wait if you ever want to come back.
What remaining lease means for your flat
Every flat is a 99-year lease. How much is left decides how much CPF you can use, how much a bank will lend, and who can afford to buy it from you.
MOP, Plus and Prime flats
How long you must live in a flat before you can sell it or rent it out whole, and what the newer Plus and Prime categories change.
Selling your flat and the resale levy
What actually lands in your pocket when you sell, why the CPF refund is not cash, and when a levy is due on your next flat.
Renting out your HDB flat
What you may let, to whom, for how long, and what the published rents do and do not tell you.
Flat types and models explained
What a 4-room flat actually is, why two of them can differ by 20 square metres, and which models command a premium.