Property Insights

Singapore Property Insights

Practical guides for sellers, buyers, landlords, HDB owners, EC upgraders and Singapore property planners.

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Latest Property Insights

All current property articles in one consistent grid for Singapore sellers, buyers, landlords and upgraders.

Showing 63 articles for Buyer Planning. View all articles.

Second Property

ABSD on a Second Property: Rates and Who Pays

Current IRAS ABSD rates for a second home, how property count and joint purchases work, the 14-day payment rule and the limited refund cases.

Second Property ABSD Stamp Duty
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Buyer Guide

TOP to Key Collection: Defects Inspection

When vacant possession is due, how the 12-month defects liability period runs and what to do if the developer does not rectify defects.

New Launch Buying Key Collection
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Second Property

Second Property Loan: LTV and Your Existing Loan

How an outstanding housing loan changes the LTV limit, cash down payment and TDSR review for your next purchase.

Second Property LTV Financing
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Buyer Guide

New Launch Booking Day: Ballot, Fee and OTP

How the booking fee, Option to Purchase and S&PA timeline work when you buy from a developer, and what to settle before booking day.

New Launch Buying OTP
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Buyer Guide

New Launch Showflat Checklist

How to read the show unit, its floor plan and notices, and what to review in the mandatory information and S&PA before booking.

New Launch Buying Showflat
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Buyer Planning

CPF OA Short of This Month’s Mortgage Payment? Do Not Wait for a Notification

Use the steps below to reconcile this month’s CPF deduction with the lender’s outstanding balance, then keep the payment details together for future checks.

CPF OA Monthly mortgage
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Buyer Planning

Two Homes, One Owner-Occupier Property Tax Concession for Married Couples

Married couples have a one-home owner-occupier concession limit. If you cease occupying a home receiving the concession, notify IRAS within 15 days.

Owner-occupier property tax Married couples
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Buyer Planning

Handling a Private-Property Deal Without an Agent: What Self-Service Buyers and Sellers Still Have to Do

CEA guidance for buying or selling private property on your own: checklists, optional contract templates, and the information requests that still come from the other party's agent.

CEA guidance Self-service deals Contract review
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Buyer Planning

Resale Levy When Moving From a Subsidised HDB Flat

HDB's fixed levy table runs from S$15,000 to S$55,000 for families (half for singles where applicable). The payable amount is fixed when you book the second subsidised flat — budget it before you commit.

Resale levy HDB upgrading Costing
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Market Update

The Serra Residences launch: what the reported sales mean for buyers

Media reported 25 homes sold at The Serra Residences' 17–18 October 2026 launch weekend — 18.8% of all 133 homes, or about 22% of the 113 reportedly released. Why the denominator matters before the 23 October URA release.

Launch result Media-reported figures Buyer planning
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Buyer Guide

Thomson Reserve Showflat Draws 11,800 Visitors — What Buyers Should Know Before 31 October

Plan a useful showflat visit: location, opening hours, pricing, layouts and the decisions to settle before 31 October.

Showflat guide 31 October launch Upper Thomson
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Market Update

Singapore New Private Home Sales Rise to 296 in September 2026

Developers sold 296 new private homes in September, mostly in projects already on the market, while January–September launches fell 41.9% year on year. What to compare before chasing a discount or waiting for a launch.

September 2026 data Launch pipeline Buyer comparison
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Buyer Planning

Marina Gardens Lane GLS Tender Closes — What Happens Before a New Condo Can Launch?

URA closed the Marina Gardens Lane land tender on 15 October 2026 with the award decision still pending. What a tender closing does and does not tell buyers waiting on a future launch.

GLS process Tender closing Pending award
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Market Update

Housing-Loan Packages in Singapore: What the Package Terms Really Mean

What fixed-rate, SORA-linked and bank-board-rate housing-loan packages actually promise, and which terms to check before you sign or reprice.

Package types Fixed-rate packages Before you sign
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Compliance

URA Flags Unauthorised Works in Condo Units: What Buyers and Owners Should Check

URA recorded 116 suspected unauthorised-works reports in the first nine months of 2026. What to verify before offering, the penalties and the regularisation pathway.

URA statement Unauthorised works Condo buyers
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Market Update

Bedok 5-Room HDB Flat Sets New S$1.54 Million Resale Record

The first Bedok flat above S$1.5 million — S$60,000 above the previous record in the same block, at the top of a table where every row is one estate's 113 sqm flats.

HDB Resale Bedok Record S$1.54M
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Market Update

Lucerne Grand Sells 61% of Homes in Launch-Weekend Snapshot

Published launch prices, reported buyer mix and competing options: how to compare a specific Lakeside home after the launch-weekend announcement.

New Launch CDL Lucerne Grand Oct 2026
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Market Update

Record 208 Million-Dollar HDB Resales Registered in September 2026

A record 208 HDB resale flats at S$1.0M or above were registered in September 2026, the highest monthly count since the dataset began, while the 3Q resale price index fell 0.2% for a third consecutive quarter. Two different official metrics, read separately.

HDB Resale S$1M+ Record Sept 2026
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Market Update

Bishan Natura Loft 5-Room Flat Registers at S$1.711 Million

Recent matched-size Natura Loft sales provide a local comparison beyond the national total-price headline.

Bishan DBSS HDB resale Comparables
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HDB Resale

Pinnacle@Duxton 4-Room Flat Registers at S$1.588 Million

Two four-room flats, different areas and floor bands: a closer comparison of the new high and the earlier S$1.55 million registration.

4-room October 2026 HDB Data
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Market Update

HDB Resale Prices Dip for Third Consecutive Quarter in 3Q 2026

Price moderation and continued resale activity tell different parts of the story. Read the preliminary figures alongside housing choices and your timeline.

3Q 2026 data HDB resale Flash estimate
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Market Update

Private Home Prices Rose 1.4% in 3Q 2026 While Sale Transactions Fell Sharply: URA Flash Estimate

URA flash estimate: the 3Q 2026 price index rose 1.4% overall, with gains led by landed homes, while sale transactions fell about 30% quarter on quarter. A first look, with the full quarterly data due 23 October 2026.

3Q 2026 flash data Price index Sale transactions
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Market Update

Landed Prices Rose as Non-Landed Prices Stayed Broadly Flat in 2Q 2026

URA data shows a clear split in 2Q 2026: the overall index edged up, landed prices rose while non-landed prices dipped. What it means for owners, buyers and upgraders.

2Q 2026 data Landed homes Condo prices
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Condo Buying

Condo Maintenance Fees and Sinking Funds

What buyers should review in the contribution breakdown, MCST records and planned major works before committing.

Maintenance fees Sinking fund MCST records
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HDB Buying

HDB Cash Over Valuation: A Buyer’s Guide

How the Request for Value fits the OTP timeline, when a cash difference may arise and what buyers should check before committing.

COV Request for Value OTP
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Mortgage

HDB Loan or Bank Loan?

Compare the confirmed 2.6% HDB rate for 4Q 2026 with bank package structure, cash and CPF needs, lock-in terms and future flexibility.

HDB Buying Mortgage CPF
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Market Update

Sin Ming GLS Award: Buyer Guide

A verified S$208.099 million site award, an estimated 140 homes and the project details that remain unconfirmed.

New Launch Sin Ming GLS
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Mortgage

Repricing or Refinancing Your Home Loan?

Compare effective rates, lock-ins, switching costs, CPF implications and the property timeline before deciding.

Home Loan Owner Checklist CPF
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New Launch

Amberwood at Holland Buyer Guide

What family buyers should compare across total quantum, layout, financing, present-day convenience and future plans.

District 10 Buyer Guide New Launch
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HDB Resale

Pinnacle@Duxton 5-Room Flat Registers at S$1.701 Million

A same-block comparison and other central five-room sales show how area, floor and the specific home affect the reading of a headline price.

Pinnacle@Duxton S$1.701M HDB Data
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HDB Buyers

HFE Letter, Bank IPA and Letter of Offer

The document sequence new-flat and resale buyers should understand before making a binding commitment.

HFE Letter Bank IPA Letter of Offer
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Owner Planning

September 2026 Land Betterment Charge Rates

What the revised schedule means—and why the applicable sector, use group, proposal and permission timing need site-specific review.

LBC Redevelopment SLA
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Buyer Planning

Using CPF to Buy Private Property

Understand OA housing limits, remaining-lease checks, cash timing and the eventual CPF refund before committing.

CPF OA Private Property Cash Planning
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Market Update

New Upper Changi Road Tender: Buyer Guide

Four bids, an estimated 1,010 homes and an important qualification: the tender has not yet been awarded.

New Launch Bedok GLS
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Buyer Planning

Buying a Resale Condo: Offer to Completion

The practical sequence across financing, legal checks, duties, CPF and completion.

Resale Condo Buyer Timeline OTP
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Company Purchase

Buying Property Through a Company in Singapore

What changes across duties, GST, ownership, financing and the future exit route when a company is the buyer.

Company Buyer GST Stamp Duty
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Buyer Planning

Buyer’s Stamp Duty in Singapore

How residential BSD is calculated, which value IRAS uses and what buyers should include in the purchase budget.

BSD Purchase Budget IRAS
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Commercial Market

Singapore Shophouse Market in 1H 2026

Why a few high-value deals affected average PSF and what buyers and owners should compare.

Shophouses Market Data Buyer Checks
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Planning Guide

Property Planning After Divorce in Singapore

What homeowners should review about the legal position, HDB eligibility, CPF refunds, financing, valuation and sale timing.

Homeowners HDB CPF
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Policy Update

HDB and EC Income Ceilings Raised

What the new $16,000 HDB family ceiling, $8,000 singles ceiling and $18,000 EC ceiling mean for buyers.

HDB EC HFE
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Property Tax

Singapore Property Tax: A Homeowner’s Guide

How Annual Value, occupation status and current residential rates affect the property-tax bill.

Annual Value Homeowners 2026
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Market Update

July–August 2026 New-Home Sales

Why sales fell from 731 units in July to 153 in August as the number of units launched changed sharply.

New Launch Buyers Market Data
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Commercial Property

Commercial Property Purchase Checklist

What owner-occupiers should check before buying a commercial unit for their business.

Approved Use GST Buyer Checklist
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En Bloc

Tan Boon Liat Building S$950M En Bloc Deal

What the conditional deal may signal for selected redevelopment sites and collective sale expectations.

En Bloc Market Update Redevelopment
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Property Policy

Large En Bloc ABSD Timeline Changes

What the revised 2026 ABSD timelines mean for qualifying large and mega redevelopment sites.

En Bloc ABSD(HD) Housing Supply
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HDB Resale

15-Month HDB Wait-Out Period Removed

What private property owners should understand before buying a non-subsidised HDB resale flat.

HDB Policy Update Buyer Planning
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Market Update

HDB Resale Prices Fell in 2026

What HDB upgraders should watch when reading resale price headlines and planning their next move.

HDB Upgraders Market Update
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HDB Upgrading

New Launch or Resale Condo for HDB Upgraders

A practical comparison for HDB owners weighing payment timeline, space, certainty and buyer fit.

HDB New Launch Resale
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HDB Resale

HDB Resale Market in 2026

What HDB's final 2Q 2026 price data means for sellers, buyers and upgraders reviewing their next move.

2Q 2026 Sellers Buyers
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Condo Buying

AMO Residence for District 20 Family Buyers

How family buyers can review AMO Residence, Ang Mo Kio and District 20 suitability.

Condo District 20 Family Buyers
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New Launch

2H 2026 Government Land Sales Programme

What buyers should know about the 2H 2026 GLS supply pipeline and future new-home options.

GLS New Launch Supply
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HDB Upgrading

Selling Your HDB Before Buying a Condo

Key timeline considerations for HDB owners planning a private property move.

Timeline CPF Condo Planning
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Condo Buying

New Launch vs Resale Condo in Singapore

A practical comparison of payment structure, certainty, space, renovation and buyer fit.

New Launch Resale Buyer Guide
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EC Upgrading

EC Upgrading in Singapore

What HDB owners should think through before moving from HDB to an executive condominium.

HDB Owners Eligibility Timeline
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Buyer Planning

TDSR and Property Affordability

A buyer guide to loan assessment, affordability checks, cash buffer and monthly instalment comfort.

Loan TDSR Budget
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Second Property

Buying a Second Property in Singapore

Questions to ask before committing, including budget, timeline, holding cost and buyer profile.

Budget Timeline Holding Costs
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Property Agent

How to Choose a Property Agent in Singapore

Practical questions to ask before appointing an agent for selling, buying or renting out.

Selling Service Questions
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EC Upgrading

EC Upgrading After MOP

What HDB owners should prepare before shortlisting EC options after the MOP period.

MOP HDB Owners Timeline
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EC Upgrading

EC vs Private Condo for HDB Upgraders

A practical comparison of EC and private condo differences for HDB owners planning their next home.

EC Private Condo Upgraders
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Second Property

Buying a Second Property While Keeping Your First Home

What homeowners should check before taking on another property while keeping the current home.

Budget Holding Costs Timeline
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Second Property

Second Property for Rental Income

What buyers should consider carefully before relying on rental income from a second property.

Rental Holding Costs Tenant Demand
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New Launch

New Launch Floor Plan Selection

What buyers should compare beyond headline price when reviewing new launch layouts.

Floor Plan Layout Buyer Guide
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New Launch

New Launch Progressive Payment

How buyers should plan cash flow, loan checks and payment stages for a new launch condo.

Progressive Payment Cash Flow Loan
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