Insights

Singapore property, explained straight.

Plain-English guides on selling, renting, and valuing property in Singapore. No jargon, no sales pitch — just what I wish every homeowner knew before signing a listing agreement.

HDB financing guide

Read these in order before you apply

Eight guides, one path: from whether HDB will lend to you, to how much cash you actually need on the day. Each step links to the official rule it relies on.

  1. HDB loan eligibilityCitizenship, income ceilings, property rules.
  2. HFE letterThe one document that confirms your loan and grants.
  3. MSR vs TDSRThe two ratios that cap how much you can borrow.
  4. HDB loan vs bank loanRate, cash portion, lock-in and the one-way switch.
  5. HDB downpaymentHow cash, CPF and grants fit together.
  6. Using CPFLimits, refunds and what CPF cannot pay for.
  7. Enhanced CPF Housing GrantAmounts by income band, BTO and resale.
  8. HDB resale grantsFamily, singles and proximity amounts.

Then put numbers to it: HDB loan calculator · BTO budget calculator · stamp duty calculator

Condo resale prices by district

Every district's condo resale prices, from URA caveats

Twelve-month median price, price per square foot, transaction count and the latest lodged caveats for each of Singapore's 28 postal districts, rebuilt monthly from URA data. Two districts have too few private resale transactions for a reliable median and are left out. Regions follow the usual district grouping; a few districts straddle a boundary.

Start from the district overview, or compare with HDB resale prices by town and the stamp duty calculator for a private purchase.

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