Singapore Property Guides

A practical framework with 3 tests: equity, comfort, and rate hike. Covers CPF clawback, TDSR limits, and when upgrading actually makes sense.

Full breakdown: 5% cash down, stamp duty, legal fees, renovation. Real examples at $1M, $1.5M, and $2M. The costs everyone forgets.

Minimum income by condo price ($800K to $2M). How TDSR works, how debts kill your buying power, and solo vs couple scenarios.

All current ABSD rates for SC, PR, and foreigners. When it applies, the married couple remission, and how HDB upgraders can avoid it.

The 55% debt cap that controls your borrowing power. Max loan by income, how debts reduce it, variable income rules, and age limits.

Side-by-side comparison: price, wait time, location, grants, lease, renovation. When each option wins and the upgrade math for both paths.

Executive Condo vs private condo: price gap, eligibility, 5-year MOP, 10-year privatization, grants, and appreciation math.

HDB 2.6% fixed vs bank ~1.1% floating. LTV, cash needed, refinancing rules, and the one-way door most people miss.

How to use CPF OA for property. Valuation Limit, accrued interest trap, BRS at 55, and the 5 mistakes that cost you the most.

Owner-occupied vs non-owner rates, Annual Value explained, worked examples at $1.5M condo, and how to dispute your AV.

The full upgrade journey: sell first vs buy first, CPF clawback, stamp duty, TDSR, bridging loans, and a month-by-month timeline with real costs.

Rental yield math, total costs (ABSD + maintenance), net yield vs gross yield, CCR/RCR/OCR comparison, tenant management, and tax implications.