The Guides Library
Plain-English explainers on the rules that decide what you can buy, sell and afford — written by an agent who uses them with clients every week, and refreshed when the rules change.
Ask a Property QuestionWhy These Guides Are Different
Most property articles in Singapore are rewritten versions of the same handful of pages — some years out of date, some contradicting each other on the same website. These guides take a different approach. Every rate, rule and date is checked against the source: IRAS for stamp duties, HDB for eligibility and MOP, MAS for loan limits. Every page carries the month it was last verified, so you always know how fresh the numbers are.
They are also written by someone who applies these rules in real transactions — an upgrader’s ABSD remission timeline, a seller’s CPF refund calculation, an EC buyer’s income-ceiling check. Where the honest answer is “it depends”, the guide says so and shows you the working, including the cases where the prudent move is to do nothing yet.
How to use this library: each guide stands alone, but they interlock. Stamp duties decide what a purchase really costs; MOP decides when you may sell; the EC comparison decides which upgrade route fits your income. Read the one that matches your decision today, then follow the cross-links as your plan develops. Nothing here is financial advice, and statutory figures should always be re-verified with IRAS, HDB or MAS before you act — but nothing here is filler either.
The Library
Buying Costs
The full ABSD rate table (SC 0/20/30%, PR 5/30/35%, foreigner 60%), BSD tiers with the math on a S$1.5M purchase, the new 4-year SSD regime, and every remission worth knowing — current as at July 2026.
Read The Stamp Duty GuideUpgrading
Price gaps, the S$16,000 income ceiling, grants, MOP, financing and the May 2026 rule reset that split ECs into two regimes — plus a worked affordability example for a S$15,000-income household.
Compare EC And CondoSelling
From the Intent to Sell to completion day: all nine steps, the real costs, the 3–4 month timeline, the CPF accrued-interest refund most sellers forget, and tactics that matter in a softening 2026 market.
Read The Selling GuideHDB Rules
When your Minimum Occupation Period starts, what you cannot do during it, why Plus and Prime flats carry ten years, how ECs differ — and what the 13,500-flat 2026 MOP wave means for you.
Understand MOPTool
Key in your buyer profile and price; get your ABSD and BSD to the dollar, computed with the July 2026 rates. Includes the FTA remission for eligible nationalities and the married-couple scenarios.
Open The CalculatorGuide
Buy your next home without the 20% ABSD sting — the married-couple remission, the 6-month sale window (and where it starts for new launches), and the upfront EC remission, explained with timelines.
Read The Remission GuideGuide
How new-launch previews actually work — registration, price release, ballot day, the 5–10% booking fee, and the documents that keep you from losing your unit choice to a faster buyer.
Prepare For Preview DayTool
How much can you actually borrow? Your income, debts and property type through the 55% TDSR and 30% MSR rules — with the MAS 4% stress rate, the way banks really assess you.
Check Your CeilingTool
Family Grant, Enhanced CPF Housing Grant and Proximity Housing Grant — estimate your stack in seconds, worth up to S$230,000 for eligible first-timer families buying resale.
Estimate My GrantsMarket Update
Two consecutive quarterly dips, ~13,500 flats hitting MOP, and what the numbers actually mean if you are buying or selling this half of 2026. Dated, sourced, and free of hype.
Read The UpdateBeyond The Guides
Once the rules are clear, the next question is usually “so what should I do?” If you are weighing up a new launch condo or EC, shopping the resale market, or thinking about selling your current home, those pages show how I work each segment. And if your situation does not fit neatly into a guide — most don’t — ask me directly below.
Get In Touch
Send your question — eligibility, stamp duties, timing, anything. You will get a straight answer within one working day, free and with no obligation.