⚡370 Instant Answers
Quick Answers
Pre-calculated results for common Singapore property questions. No calculator needed — just the number.
🔥Popular Comparisons
Compare costs at different price points instantly
Stamp Duty by Price
BSD (Buyer's Stamp Duty) for Singaporean first-time buyers. Add ABSD for 2nd property or PR/foreigner.
Cash Needed by Price
5% cash down payment + stamp duty + legal fees. Minimum cash required before CPF.
| Question | $800K | $1M | $1.5M | $2M |
|---|---|---|---|---|
| Total Cash (SC 1st property) | $43K+ | $74,600 | $119,600 | $169,600 |
Salary Needed by Price
Minimum gross monthly income (no debts, 30-year loan, 75% LTV). Actual may vary with TDSR.
| Question | $800K | $1M | $1.2M | $1.5M | $2M |
|---|---|---|---|---|---|
| Couple (combined income) | $6,100 | $7,600 | $9,100 | $11,400 | $14,400 |
📋All 370 Answers
Search or browse by category
Price:
Topic:
Stamp Duty (30)
Stamp Duty on a $1M Condo$24,600 BSDStamp Duty on a $1.5M Condo$44,600 BSDStamp Duty on a $2M Condo$69,600 BSDABSD for PR Buyers5% to 35%ABSD Remission for Married CouplesUp to 20% refundStamp Duty on a $3M Condo$119,600 BSDStamp Duty on a $500K HDB$9,600 BSDStamp Duty on an $800K HDB$18,600 BSDSeller’s Stamp Duty (SSD)12%/8%/4% if sold within 3 yearsProperty Cooling Measures SingaporeABSD, TDSR, LTV, SSD, tenure capStamp Duty Refund SingaporeAnnulled sale or ABSD remissionABSD for PR Second Property30% of purchase priceStamp Duty on a $1.8M Condo$59,600 BSDProperty Holding Period — SSDHold 3+ yrs to avoid 4–12% SSDStamp Duty for PR First Property$74,600 on $1M (BSD + 5% ABSD)SSD Rates 2026 — New 4-Year Rule16%/12%/8%/4% over 4 yearsABSD for SC 2nd Property20% ABSD ($400K on $2M)Stamp Duty on a $600K HDB$12,600 BSDStamp Duty on $4M Condo$179,600 BSDStamp Duty $5M Condo$239,600 BSD (4.79% effective)Cooling Measures Timeline (Seller)SSD: 12%/8%/4%/4% over 4 yearsABSD Remission for Married CouplesSC+SC: 0%, SC+PR: 5% remission, conditions applyCooling Measures Singapore 2025ABSD 0–65%, SSD 4yr, TDSR 55%, LTV 75%Stamp Duty Payment Methods14-day deadline, GIRO/banking/CPF (BSD only)Stamp Duty for Foreigners in SingaporeBSD + 60% ABSD on any residential propertyStamp Duty for Property in Trust65% ABSD on any trust structureProperty Cooling Measures History Singapore15+ rounds since 2009, never reversedWhen Is Stamp Duty Due?14 days after signingStamp Duty on Rental Agreements0.4% of total rent, tenant paysStamp Duty Remission SingaporeMarried couple, en bloc, annulled sale refund
Affordability (22)
Cash Needed for a $1M Condo$74,600 minCash Needed for a $1.5M Condo$119,600 minSalary Needed for a $1M Condo$7,600/mo minSalary Needed for a $1.5M Condo$11,400/mo minSalary Needed for a $2M Condo$14,400/mo minDown Payment for First Condo25% (5% cash + 20% CPF)Salary Needed for a $1.2M Condo$9,100/mo minMinimum Cash Down Payment for Condo5% of purchase priceCash Needed for a $2M Condo$169,600 min cashMonthly Mortgage — $1M Condo$3,300–$3,700/mo at 3.5%Salary Needed for $800K HDB~$5,200/mo minimumMonthly Mortgage $1.5M Condo~$5,630/mo at 3.5%Monthly Mortgage $2M Condo~$7,510/mo at 3.5%Salary Needed $2.5M Condo~$18,000/mo gross (no debts)Cash Needed $800K HDBHDB loan: $3K cash; bank: $43K+Salary Needed $500K HDB~$4,500/mo (HDB loan, no debts)Property Down Payment Breakdown25% down (5% cash + 20% CPF) for 75% LTVHow Much Can I Borrow for Property?TDSR 55%, $10K income → ~$1.15M loanCPF for Condo Down Payment5% cash + 20% CPF OA of purchase priceCondo Down Payment Calculator25% (5% cash + 20% CPF)HDB Down Payment Options10% (HDB loan) or 25% (bank), CPF + grantsPrivate Property Down Payment Options25% (5% cash + 20% CPF), 55% for 2nd
CPF (24)
CPF Accrued Interest After 5 Years$9K–$19KCPF Accrued Interest After 10 Years$36K–$73KCPF Accrued Interest After 15 Years$73K–$146KHow Much CPF Can I Use for HDB?Up to Valuation LimitUsing CPF to Buy PropertyUp to 20% down + mortgageHow Much CPF Can You Withdraw at 55?Above BRS ($106,500) or FRS ($213K)Can You Use CPF for a Second Property?Yes — after BRS set-asideCPF OA Interest Rate2.5% p.a. (guaranteed floor)Monthly CPF Contribution Rate37% (20% + 17%) for age ≤55CPF Valuation Limit for PropertyUp to 120% of valuation from CPFCPF Housing Grant for SinglesUp to $40K EHG (age 35+)CPF SA Shielding via PropertyClosed in 2025CPF Retirement Sum & PropertyHome can count toward BRSCPF for Property After 55Yes, but FRS must be set aside firstCPF Housing GrantsEHG up to $80K, Family Grant $50K–$80KCPF OA Housing Withdrawal Limit120% of Valuation Limit, accrued interest refundCPF Minimum Sum & Property ImpactBRS $106.5K set-aside reduces OA for housingCPF Withdrawal Limits for PropertyMax 120% of Valuation Limit, then cash onlyCPF OA vs SA for PropertyOA (2.5%) for housing, SA (4%) for retirementCPF Accrued Interest Refund Explained2.5% p.a. compound, $44K on $200K after 10yrCan You Use CPF SA for Property?No — SA is locked for retirement (OA only)CPF Housing Withdrawal After 55BRS $106.5K set-aside, then OA for housingCPF Retirement Sum vs Property EquityBRS $106.5K + property = retirement comboReduce CPF Accrued InterestCash repayment, less CPF, sell earlier
HDB (89)
When Is My HDB MOP?Key collection + 5 yearsHDB Grants in 2026Up to $160KCan a Single Person Buy an HDB?Yes, from age 35HDB Valuation vs Purchase PriceValuation = official, Price = what you payCan Private Property Owners Buy HDB?Resale only, sell private in 6 monthsHDB Resale Levy$15K–$55K by flat typeEC MOP Period5 yrs MOP, 10 yrs full privatisationHDB 5-Room Resale Price 2026$580K–$750K medianBTO Ballot Chances2x for first-timers + priorityBTO Income Ceiling 2026$14K (couples) / $7K (singles)HDB Loan Income Ceiling$14K (families) / $7K (singles)Wait-Out Period: Sell Condo, Buy BTO30 months after disposalIncome Ceiling for Singles Buying Resale HDBNo ceiling (grants: $7K limit)Can Singaporean Married to Foreigner Buy HDB?Yes — resale HDB, 2-room BTOHDB Contra FacilityDirect sale proceeds to new flatHDB Resale Process Timeline8–10 weeks OTP to keysHDB Valuation ReportDetermines max loan + CPF usageCan HDB Owner Buy a Condo?Yes — after MOP, with ABSDHDB 4-Room Resale Price 2026$450K–$680K by townHDB 3-Room Resale Price 2026$320K–$500K by townHDB Rent Out Room Rules3-room+, HDB approval neededHDB Divorce Property SplitCourt decides, MOP still appliesHDB Income Ceiling ExceededBuy resale (no ceiling) or ECHDB Whole Unit Rental RulesSC only, after MOP, HDB approvalHDB → EC → Condo PathSave 20% ABSD, takes 10–15 yrsHDB Rental Income TaxTaxable at marginal rate, deduct expensesHDB EIP/SPR Quota CheckCheck before making offerHDB Loan Early RepaymentNo penalty (bank: 1.5% in lock-in)BTO Resale Financing GapBridging loan or temporary rentalHDB Transfer of OwnershipBSD + $1.5K–$3K legal, 4–8 weeksHDB Income Ceiling CheckBTO $14K, EC $16K, singles $7KRenovation Budget HDB & Condo4-room HDB $40K–$65K, condo $60K–$150KBTO Waiting Time by EstateNon-mature 3.5–4.5yr, mature 4–5yrMOP Rules5 years from key collection, EC 10yr to privatiseHDB Lease Remaining ImpactCPF needs lease to cover buyer to 95HDB Resale Process (Buyer)8–12 weeks OTP → keysHDB Flat Type Comparison2-room Flexi → 3Gen, 36–115 sqmHDB Valuation: How It WorksMarket comparison, COV, challenge processHDB MOP — What Happens Next3 paths: sell & upgrade, rent out, or buy secondHDB Resale Grant EligibilityEHG up to $80K + Family $50K + PHG $30KHDB Ethnic Integration Policy (EIP)Quota limits affect resale price ±5–15%HDB Financial Plan (HFE Letter)Eligibility + loan + grant, valid 6 monthsHDB MOP ExceptionsDivorce, death, hardship, overseas postingHDB Loan Eligibility RequirementsIncome ≤14K, SC, no private property, MSR 30%HDB Resale Application Process~8 weeks: portal submission → keysBank Loan vs HDB Loan ComparisonHDB 2.6% fixed vs bank 1.4–1.8% floatingHDB Grant for First-Timer Couples 2026Up to $160K (EHG + Family + PHG)HDB Resale Price by Town 2026$430K–$720K (4-room) by townMaximum HDB Loan Amount80% LTV, $14K income capPrivate Property Owner Wait Period for HDB30 months after sellingEC Resale Levy Amount$55K for 5-room ECHDB Resale Negotiation Tips3-8% off asking, use transaction dataBTO vs Resale HDB — Which to Buy?BTO 20–30% cheaper, 3–5yr wait vs immediateCan You Buy an Old HDB Resale Flat?Yes, but CPF & loan pro-rated if lease < 60 yrsHDB Resale Grant Income CeilingsEHG ≤$9K, Family ≤$14K, PHG no ceilingHDB Essential Repairs Programme (ERP)HDB covers structural; you pay $100–$500 for in-flatOTP Legal Guide (Private & HDB)1% fee, 14–21 days, 4% on exerciseWhat Happens After HDB MOP?Sell, rent out, or buy private — 3 pathsHDB Renovation Guidelines 2026Permit required, no hacking wet areasHDB Resale Application Timeline8–10 weeks OTP to keys, 4 stagesExecutive Condo MOP Rules5yr sell to SC/PR, 10yr sell to anyoneHDB Balance Units Clearance (BUC)Leftover BTO flats, no ballot, fixed priceHDB Resale Grant for SinglesUp to $40K EHG, income ceiling $7KHDB Contra Facility LoanUse HDB sale proceeds to offset new flat purchaseHDB Lease Buyback Scheme (LBS)Sell lease back to HDB, retain 15–35 yrs, CPF top-upBTO Mature vs Non-Mature Estates30–50% price gap, mature = better resaleHDB Loan Switch to Bank LoanOne-way door, switch only if >1% rate gapHDB BTO Application Guide 2026Income ≤$14K, 2x ballot, 3.5–5.5yr to keysHDB Maisonette Resale Value 2026$800K–$1.2M, lease decay riskHDB Floor Level Pricing2–5% premium per 3 floorsDBSS HDB Resale Guide13 projects, $650K–$1.1M, discontinued 2012HDB Lease Top-Up Singapore$120K–$450K to restore 99-yr leaseHDB Prime Location Model (PLH)10yr MOP, 6–9% clawback, no whole-unit rentalHDB Resale Flat Inspection$200–$400 inspector, check structure/plumbing/electricalHDB Resale Flat Condition ReportCeiling, tiles, pipes, windows — $250–$450 inspectorFirst-Timer Buying Resale HDBUp to $160K grants, 3–5 months to keysHDB Resale Near MRT Premium5–15% premium within 500mHDB Resale Flat Location FactorsMRT 10–20%, school 5–15% premiumHDB BTO Grant CalculatorUp to $160K (EHG + Family + PHG)BSD on HDB Flats1–3% progressive, $9.6K on $500KHDB Resale Flat Valuation & COV Deep Dive$0–$60K COV, cash only, 8–10% walkawayHDB Conversion SchemeMerge 2 adjacent flats, $80K–$150K renoHDB Floor Plans by Era74 sqm (1970s) to 110 sqm (1990s Model A)HDB Resale Flat by GenerationOld gen 80sqm vs Model A 105sqm, lease mattersHDB Resale Levy Calculation$15K (2-room) to $55K (EC), planning strategiesHDB Resale Flat Viewing Checklist15-point inspection, view at 2–4 PMHDB Studio Apartments for Elderly36 sqm, $80K–$200K, senior-friendlyHDB Resale Flat Renovation Budget$30K–$80K by scope, older flats +$10K–$20KHDB Resale Flat Mature Town Premium10–25% premium over non-mature estates
Buying (30)
Can Foreigners Buy Property in Singapore?Yes + 60% ABSDWhat Is an Option to Purchase (OTP)?14–21 days to decideProgressive Payment SchemePay in stages as condo is builtWhat Is a Fire Sale in Property?Forced sale, 10–30% below marketBank Valuation vs Purchase PriceCOV = cash onlyOTP Exercise Fee1% new launch, 5% resaleValuation Shortfall Cash Top-UpCOV = cash only, no CPF/loanProperty Agent vs No AgentBuyers pay $0 commissionCash Over Valuation (COV)Must be paid in cash, not CPFProximity Housing Grant (PHG)$30K families, $15K singlesProperty Valuation in SingaporeBank vs IRAS valuation, $300–500, challenge processOption to Purchase (OTP) Guide1% option fee, 14-day exercise, 5% total depositSingapore Property for PR Buyers5% ABSD first property, 30% secondExclusive vs Open ListingSame 1–2% commission, different accountabilitySingapore Property for Foreign Buyers60% ABSD, condos only, no HDB/landedCash Over Valuation (COV)Cash only — no CPF, no loan for COVBest Time to Buy Property SingaporeTime in market > timing the marketIn-Principle Approval (IPA) Singapore1–3 days, free, valid 30 daysFirst-Time Buyer Checklist Singapore6 steps: eligibility → budget → CPF → IPA → stamp duty → costsSingapore Property for ExpatsEP/S Pass: condos only, 60% ABSD, 75% LTVProperty Auctions SingaporeMortgagee sale 10–30% below, 5–10% deposit, 8–12 wksProperty Agent Interview QuestionsCEA check, 10 questions, 1–2% commissionBuying Property as a CoupleOne name = save $300K ABSD on 2nd propertyProperty Wealth Planning SingaporeBTO → condo → $2M+ equity in 25 yearsProperty Financial Plan for Young CouplesBTO at 25–27, save $50K–80K, upgrade in 10–15yrProperty Flipping SingaporeSSD 4–yr, no CGT, ~20% break-evenProperty Succession Planning SingaporeWill $200–$500, joint tenancy = instant transferProperty Negotiation Tactics3–10% off asking with data + leverageGifting Property SingaporeFull BSD + ABSD on market value, inheritance cheaperCo-Buying Property With ParentsJoint loan boosts TDSR, but 20% ABSD if parent owns HDB
Selling (22)
Sell HDB Buy Condo Timeline6–8 month journey, temporary housing $2K–$4K/moHow Long Does It Take to Sell an HDB?3–6 months totalHDB to Condo Upgrade — 8 Steps8 steps, ~9–12 monthsWait-Out Period: Sell Condo, Buy Resale HDB15 months after disposalHDB Sale Proceeds Calculator$200K–$350K net (typical 4-room)Downgrade Private to HDBSell private within 6 monthsHDB Upgrading to ECMOP done + income ≤$16K + 20–30% cheaper than condoHDB Upgrading to Condo GuideSell first or buy first, ABSD implications, CPF planningHDB Sale Proceeds EstimatorSale price − loan − CPF refund − agent = cash in handWhen to Sell Property in SingaporeAfter SSD (3–4 yrs) + MOP (5 yrs for HDB)HDB Upgrading Cost Breakdown$80K–$120K costs ($600K HDB → $1.5M condo)Downgrade Condo to HDB30-month wait (BTO) or 6-month disposal (resale)Sell HDB First or Buy Condo First?Sell first = no ABSD, buy first = $200K+ upfrontSelling Condo Process & Timeline8–14 weeks listing to keysSelling Property Costs Singapore1.5–3% of sale price (excl. SSD)Take-Home Cash After Selling HDBSale price – loan – CPF refund – feesHDB Upgrading Grants for Resale BuyersUp to $70K (2nd-timer) or $190K (1st-timer)En Bloc Sale Proceeds — How Much Do You Get?Gross share minus loan, CPF refund, legal feesMoving House Checklist SingaporeUtilities, address, movers $300–$800Home Staging to Sell Property$2K–$5K cost, 3–8% higher sale priceHDB Upgrading Timeline & Checklist12-month roadmap, sell first = $131K cashUpgrading from 3-Room HDB$200K–$400K equity, CPF refund eats cash
Loans (24)
Maximum Loan Tenure in Singapore30 yrs (bank) / 25 yrs (HDB)Property Loan Interest Rates 20262.65–2.80% fixed, 2.5–2.8% floatingBridging Loan Singapore Property5–6% p.a., 6–12 monthsLoan Tenure Age LimitMax 30 yrs, must end by 65–75How to Pass TDSRDebt ÷ income ≤ 55%, stress at 4%Property Loan Rejection ReasonsTDSR fail, credit score, leaseMortgage Lock-In Period Singapore2–3 yrs, 1.5% penaltyRefinance Home Loan SingaporeStart 3 months before lock-in endsFixed vs Floating RateFixed 2–2.5% vs floating 1.4–1.8%Repricing vs RefinancingReprice: $0 cost; refinance: $2K–$3KLoan Grace PeriodUsually 3–6 months for new buildsTotal Mortgage Interest Cost$1M loan at 3.5%/25yr → $502K interestProperty Loan Lock-In Period2–3 yrs, 1.5% penalty to breakMortgage Refinancing GuideLock-in expiry, 0.3%+ rate gap, $2K–$4K costMortgage Interest Deduction SingaporeDeduct interest, MCST, property tax from rentProperty Loan Comparison SingaporeFixed vs floating, lock-in, penaltiesTDSR Calculation Example$12K income, $800 car loan → ~$960K max loanWhen to Reprice Your MortgageAfter lock-in expiry, 0.2%+ rate gap, $0–$800Mortgage Rate Forecast 2026SORA <1.3%, floating 1.4–1.8%Property Loan Early Repayment1.5% penalty in lock-in, $92K saved on $100K prepayBank Mortgage Rate Comparison 2026Fixed 2.50–2.85%, floating 2.20–2.50%Property Loan Tenure: 25 vs 30 Years10% lower payment, 20–25% more interestBridging Loan Deep Dive5–6% p.a., $500K bridge = $18K–$22K for 6moMortgage Offset Account Singapore$100K offset saves ~$75K interest on $800K loan
Costs & Fees (25)
Condo Renovation Cost in Singapore$30K–$80K typicalLegal Fees for Property Purchase$2,500–$4,000Property Agent Commission1–2% of sale price (seller pays)Total Cost of Buying a Condo$128K–$244K cash for $1M–$2MConveyancing Process8–12 weeks, $2.5K–$4K legal feesProperty Tax on Condo~$1,080/yr owner-occupied (AV $30K)Valuation Report Cost$300–$500, bank arranges itLegal Fees for Property PurchaseHDB $1.8K–$2.5K, condo $4K–$5.5K totalFire & Home Insurance CostFire ~$5/yr, contents $100–$300/yrAgent Fee Negotiation1–2% seller, $0 buyer, negotiableProperty Tax (Owner-Occupied)0–32% progressive, first $8K AV tax-freeConveyancing Fees Singapore$2,500–$3,500 legal, plus disbursementsProperty Agent Commission Rates1% seller + 1% buyer (resale), negotiableHome Insurance Singapore GuideFire $100–200/yr, contents $200–400/yr, HPP mandatoryPrivate Property Tax Rates SingaporeOwner-occ 0–32% vs investor 12–36% of AVProperty Tax Non-Owner Occupied (Investor)12–36% of AV — up to 3x owner-occupiedProperty Tax Appeal SingaporeObject within 30 days, 30-40% success rateAnnual Value (AV) of PropertyEstimated annual rent, determines property taxGround Rent in Singapore$12–$36/yr on state leasehold landProperty Agent Commission Rates (Detailed)1% seller + 1–2% buyer (private), 2% HDB, negotiableProperty Insurance SingaporeFire ~$5/yr, mortgage MRTA, contents $100–$300/yrCondo Renovation Rules SingaporeMCST approval, M–F 9–5, deposit $5K–$10KHow to Save on Property TaxOwner-occupied saves $3K–$5K+/yrOwner-Occupied Property Tax ClaimApply in 15 days, save $3K–$8K/yrProperty Tax Calculation ExampleHDB $160, condo $880, investment $10,800/yr
Condo & EC (69)
Can a PR Buy an EC?Resale only (after MOP)Condo Maintenance Fee$300–$800/moNew Launch vs Resale CondoNew = premium + wait, Resale = value + nowCondo vs Landed in Singapore$1–3M vs $3–10M+Condo Maintenance Fees (Detailed)$250–$1,200/mo by sizeDual-Key Condo Singapore2 units, 1 ABSD countUnder-Construction Condo PaymentProgressive: 5% to 100% at TOPLease Decay Singapore<30yr lease = restricted loansMinimum Age to Buy Condo21 years oldEC vs Condo Price 2026EC 20–30% cheaper than privateCan Foreigner Buy Landed Property?SLA approval needed (rarely granted)Condo Sinking Fund Singapore~3 months of maintenance feesNew Condo Defect Inspection1-year DLP, $250–$500 inspectorCondo Resale Process Timeline8-12 weeks OTP to keysCondo Sinking Fund Contribution$200–$500/quarter on top of maintenanceNew Launch Condo Buying Process3–5 years showflat → keysResale Condo Buying Process8–12 weeks OTP → keysCondo Defect Inspection Checklist6 areas to check, $250–$500 proLanded Property Buying Guide$3M terrace to $30M+ GCB, SC onlyDual-Key Condo Pros & Cons2 units, 1 title, 15–25% premiumProgressive Payment Schedule (New Launch)5% booking → 15% S&P → stage payments to TOPCondo Management Fees Breakdown$200–$800/mo MCST, 25–30% to sinking fundBuying Resale Condo ChecklistFinance → property → legal → post-purchaseNew Launch vs Resale Condo ComparisonNew launch 20–40% premium, progressive payment, DLPExecutive Condo Resale Rules5yr MOP (SC/PR only), 10yr full privatisationCondo Defect Liability Period12 months from key collectionLease Decay Impact on Property ValueCliffs at 60/40/30yr remainingBuying Under-Construction Condo RisksDelays, defects, market risk, payment burdenCondo Size Guide (sqft)1-bed 400–550, 2-bed 600–800, 3-bed 900–1200New Launch Condo Showflat GuideActual vs display unit, bring laser tapeResale Condo vs New Launch — Which to Buy?Resale: lower psf, immediate. New launch: brand new, wait 3–4yrFreehold vs Leasehold CondoFreehold 10–20% premium, no lease decayCondo MCST Rules SingaporeAGM, by-laws, reno approval, $200–$800/moCondo vs EC Maintenance FeesEC $200–$450/mo vs condo $300–$800/moCondo TOP Date MeaningTemporary Occupation Permit — when you can move inCondo Pet Rules SingaporeMCST by-laws, 1-2 dogs (10-15kg), cats OKCondo Sub-Sale SingaporeBuy before TOP, inherit progressive paymentsBuying a Penthouse in Singapore20–40% PSF premium, 2–3x maintenance feesCondo Facility ChecklistPool, gym, security, parking, MCST impactHow Condo Age Affects Value in SingaporeHolds ~30 yrs, then lease decay acceleratesShowflat vs Actual UnitSize, finishes, ceiling height differProperty Sinking Fund SingaporeMCST reserve, 25–30% of maintenance feeNew Launch Condo Defects Liability12 months from TOP, developer must fixCondo Maintenance Fee BreakdownSecurity 30–40%, cleaning 20%, sinking fund 10–15%Mixed-Use Development CondosConvenience + rental, noise + MCST complexityPPS Progressive Payment (New Launch Condo)5% booking → stages → 25% TOP → 15% CSCCondo Pool Size Guide50m vs 25m, $15–$40/unit/mo maintenanceCondo Management Corporation (MCST) GuideAGM voting, council, BMSMA by-laws, 75% special resolutionCondo Car Park Lot Rules1 lot/unit, EV $1.5K–$5K, MCST approval neededCondo Noise Issues SingaporeNEA 10pm–7am limits, MCST fines $200–$500Condo Airbnb Short-Term RentalIllegal under 3 months, up to $200K fineShoebox Condo Singapore<500 sqft, 3.5–4.5% yield, 15–25% PSF premiumCondo District Guide SingaporeCCR $2,500+ PSF, RCR $1,600–$2,200, OCR $1,100–$1,600Condo Smart Home FeaturesDeveloper $1.2K–$2.5K, aftermarket $2K–$10KPenthouse vs Regular Condo Unit$200–$500 PSF premium, 2–3x MCSTCluster & Townhouse Condos Singapore$2M–$5M, 2–3 storeys, rare supplyProperty Defect Rectification12-month DLP, 20–50 defects typicalCondo New Launch Pricing Strategy$5K–$15K/floor, facing ±3–20%Condo BBQ Pit & Function Room Guide$100–$300 deposit, 1:50–80 unit ratioCondo Security Features1 guard/200–400 units, 30–40% of MCSTSingles Buying CondoAge 21+, 0% ABSD (SC), $7.6K/mo for $1MCondo Gym Quality Assessment Guide5–8 sqft/unit, check brands & peak hoursWaterfront Condos Singapore20–40% premium, Sentosa/Keppel/Tanjong RhuNew Launch Condo Payment Milestones5% booking → 20% exercise → stages to TOPCondo Facilities Booking System$50–$300 deposit, 1–2x/month limitMRT-Integrated Condos Singapore10–20% PSF premium, direct MRT accessNew Launch EC vs Resale EC25–35% discount, $16K ceiling vs noneCondo Storage SolutionsBomb shelter 35sqft, external $80–$200/moCondo Maintenance Cost Over 10 Years$50K–$80K total MCST over 10 years
Investment (13)
Rental Yield Singapore Condo3–4% gross (OCR)Tenancy Agreement in Singapore2yr lease, diplo clause at 14moJoint Tenancy vs Tenancy-in-CommonRight of survivorship vs proportional sharesSubletting Condo Singapore3–4% gross yield, no govt approvalInvestment Property Rental YieldCCR 2.5–3%, RCR 3–3.5%, OCR 3.5–4.5%Private Property Rental Yield CalculatorGross 3–3.5%, net 1.8–2.5% after expensesSingapore Property Investment ReturnsHDB 3–5%, condo 4–6%, landed 5–8% p.a.Second Property Investment Guide20% ABSD + 45% LTV + 55% down paymentHow to Calculate Rental Yield SingaporeGross 3–4%, net 1.5–2.5% after expensesProperty Investment Tax SingaporeNo CGT, but ABSD 20–60% + rental tax 0–24%Tenancy Deposit Singapore1–2 months, 7–14 day returnD19/D20 Condo Investment$1,200–$1,700 PSF, 3–3.5% yieldD15 East Coast Condo Investment$1,500–$2,200 PSF, 3–3.5% yield, TEL MRT
Legal (16)
Property Decoupling in SingaporeTransfer share to avoid 20% ABSDEn Bloc Sale in SingaporeCollective sale, 80–90% consent needed99-to-1 Property OwnershipRisky — IRAS scrutinisesProperty Capital Gains Tax SingaporeNo CGT, but SSD appliesInherit Property SingaporeNo ABSD, but counts toward countStrata Title vs Land TitleCondos = strata, landed = land titleEn Bloc Reserve Price80% consent (>10yr), 90% (<10yr)En Bloc Sale Process in Singapore80% consent, STB application, 2–3 year timelineStrata Title vs Landed PropertyMCST + shared vs full ownership + full controlProperty Purchase Cancellation Penalty$1K–$5K OTP lapse, 5–25% after exerciseCo-Ownership of Property in SingaporeJoint tenancy vs TIC, ABSD per personProperty Trust for Children in Singapore65% ABSD on trust purchases — rarely worth itCaveat on Property Singapore$64.45 SLA fee, lasts 5 yearsDeceased Estate Property SingaporeNo ABSD, probate 6–12 monthsLasting Power of Attorney for Property$75–$200 OPG registration, 2 typesProperty Trust Deed Singapore$500–$1,500 cost, 99-to-1 arrangement
Market (6)
Singapore Property Market Outlook 2026+2-4% private, flat to +1% HDBProperty Market Cycle Singapore7–10 year cycles, PPI 210 in 2026Property vs Stocks SingaporeProperty 5–8% (leveraged) vs STI 7–8%URA Master Plan GuideZoning, plot ratio, future MRT linesOCR, RCR, CCR SingaporeCCR $2,500+ PSF, RCR $1,800–$2,200, OCR $1,200–$1,600Renting vs Buying SingaporeBreak-even at 2–3% appreciation, 5-year rule
🧮
Run Your Own Numbers
These are estimates at common price points. For your exact situation: