Singapore property guides
Guides backed by real transaction data. Find the right property for your budget, location, or buying profile.
Selling and buying your home
Owner guide
How to sell your HDB flat without an agent
Sell your HDB flat yourself: the minimum occupation period, Intent to Sell, Option to Purchase fees, the resale application and what you pay, from HDB and CEA.
Owner guide
HDB MOP: when your minimum occupation period ends
How long the HDB minimum occupation period is for Standard, Plus, Prime, resale and EC homes, when it starts, what it stops you doing, and a calculator for your MOP date.
Owner guide
How to list and sell your condo yourself
List and sell your condo yourself: Seller's Stamp Duty, your lawyer's role, the Option to Purchase and your CPF refund, from IRAS, CEA and CPF Board.
Owner guide
How much cash you need to buy an HDB resale flat
The cash and CPF needed for an HDB resale flat: the 25% down payment, the $5,000 option deposit, cash over valuation, stamp duty and HDB fees, with a worked example.
Owner guide
Buying an executive condominium (EC)
Who can buy a new executive condominium, the $18,000 income ceiling, the CPF Housing Grant of up to $30,000, how an EC is paid for and what applies after you buy. With a calculator.
Owner guide
Decoupling a private home
How decoupling a private home works, the BSD, ABSD and SSD on the share, why HDB flats cannot be decoupled, the CPF refund and the loan. With a calculator for the cost and the ABSD saved.
Owner guide
Applying for a BTO flat
Who can apply for a BTO flat, the income ceilings, the HFE letter, ballot chances and priority schemes, and what happens if you do not book. With a checker for your household.
Stamp duty
Stamp duty guide
Buyer's Stamp Duty in Singapore
Work out Buyer's Stamp Duty on a Singapore home: the 1% to 6% residential rates from IRAS, a calculator with each band, worked examples and when to pay.
Stamp duty guide
Additional Buyer's Stamp Duty (ABSD) in Singapore
ABSD rates for Singapore citizens, PRs, foreigners and entities from IRAS, with a calculator: 20% on a second home for citizens, 5% on a first home for PRs, 60% for foreigners.
Stamp duty guide
Seller's Stamp Duty in Singapore
Seller's Stamp Duty rates from IRAS and a calculator by purchase and sale date: 16% to 4% if you sell within 4 years of buying on or after 4 July 2025.
Home loans
Home loan guide
TDSR and MSR in Singapore
How much you can borrow for a Singapore home: TDSR caps all debt at 55% of income, MSR caps home loans at 30% for HDB flats and ECs. Calculator at the 4% and 3% stress-test rates.
Home loan guide
Loan-to-Value (LTV) limits in Singapore
LTV limits for Singapore home loans from MAS and HDB: 75% on a first bank loan, 45% on a second, 35% on a third, 75% on an HDB loan, with the minimum cash down payment and a calculator.
Home loan guide
Bridging loans in Singapore
How a bridging loan pays the down payment on your next home before your current one sells: up to 20% of the price at DBS, repaid within 6 months, exempt from TDSR. Calculator for the loan and its interest.
Home loan guide
Down payments in Singapore
How much down payment you pay for a BTO flat, HDB resale flat, new launch, EC or resale condo, when each part is due, and how much must be cash rather than CPF. With a calculator.
Home loan guide
The progressive payment scheme
The progressive payment schedule for a new launch condo or EC, stage by stage from the Housing Developers Rules, when your bank loan starts and how your monthly instalment rises. With a calculator.
Business service guides
Buyer Guides
Buyer Guides
PropertyGuru Alternative: Compare Singapore Property Portals
Compare Homejourney, PropertyGuru, and 99.co — features, data depth, and user experience.
Buyer Guides
First-Time Property Buyer Guide Singapore (2026)
Step-by-step guide for first-time buyers — eligibility, CPF, grants, stamp duty, and financing.
Buyer Guides
99.co Alternative: Compare Singapore Property Search Options
Compare Homejourney and 99.co for Singapore property search, map browsing, project context, and buyer workflows.
Buyer Guides
Best Property Portals in Singapore: Search Options Compared
Compare Singapore property portal workflows and learn when to use Homejourney search and project guides.
Buyer Guides
Singapore Property Investment Guide (2026)
Investment guide covering ABSD, rental yields, capital appreciation, and top districts for investors.
Buyer Guides
CPF Housing Guide: Using CPF for Property in Singapore
Complete guide to using CPF OA for property — withdrawal limits, accrued interest, and rules.
Budget Guides
Budget Guides
Best Condos Under $1M in Singapore (2026)
Data-driven list of the most transacted condos under $1M with PSF analysis and district breakdown.
Budget Guides
Best Condos Under $2M in Singapore (2026)
Most popular condos under $2M with detailed price trends and buyer analysis.
Budget Guides
Best Condos Under $1.5M in Singapore (2026)
Top condos priced below $1.5M ranked by transaction volume, PSF, and location.
Budget Guides
Best HDB Resale Flats Under $500K (2026)
Most affordable HDB resale flats by town, flat type, and recent transaction data.
Budget Guides
Best 3-Bedroom Condos Under $2M in Singapore
Family-sized 3-bedroom condos under $2M with unit size, PSF, and neighbourhood analysis.
Budget Guides
Best Condos Under $3M in Singapore (2026)
Premium condos under $3M across all districts with investment potential analysis.
Comparisons
Comparisons
HDB Resale vs BTO: Complete Comparison (2026)
Side-by-side comparison of HDB resale and BTO — prices, eligibility, waiting time, and grants.
Comparisons
Freehold vs Leasehold: Which Is Better?
Data-driven comparison of freehold and 99-year leasehold condos — price premium, appreciation, and financing.
Comparisons
Executive Condo vs Private Condo: Full Guide
EC vs private condo comparison covering eligibility, pricing, MOP, and resale value.
Comparisons
New Launch vs Resale Condo: Pros & Cons
Should you buy a new launch or resale condo? Price data, timeline, and financial comparison.
Comparisons
Buying vs Renting in Singapore: 2026 Analysis
Cost comparison of buying vs renting with mortgage rates, rental yields, and breakeven analysis.
Comparisons
Condo vs Landed Property: Singapore Guide
Comparing condos and landed properties in Singapore — price gap, lifestyle, and investment returns.
Near MRT
Near MRT
Best Condos Near Thomson-East Coast Line MRT
Condos near TEL stations — Singapore's newest MRT line from Woodlands to Bayshore.
Near MRT
Best Condos Near Circle Line MRT Stations
Condos within walking distance of Circle Line stations, sorted by price and popularity.
Near MRT
Best Condos Near Downtown Line MRT Stations
Top condos near Downtown Line stations from Bukit Panjang to Expo.
Near MRT
Best Condos Near North South Line MRT Stations
Condos near NSL stations from Jurong East to Marina Bay with price comparisons.
Near MRT
Best Condos Near East West Line MRT Stations
Condos near EWL stations from Pasir Ris to Joo Koon with market data.
Near MRT
Best Condos Near North East Line MRT Stations
Best condos along the NEL from HarbourFront to Punggol.
By District
By District
Best Condos in District 9 (Orchard, River Valley)
Top condos in D9 (Orchard/River Valley) ranked by PSF, transactions, and value.
By District
Best Condos in District 10 (Bukit Timah, Holland)
Most popular condos in D10 (Bukit Timah/Holland) with price analysis.
By District
Best Condos in District 15 (East Coast, Katong)
East Coast condos in D15 (Katong/Marine Parade) with lifestyle and price data.
By District
Best Condos in District 11 (Newton, Novena)
Condos in D11 (Newton/Novena) near medical hub with investment analysis.
By District
Best Condos in District 3 (Queenstown, Alexandra)
Condos in D3 (Queenstown/Alexandra) — mature estate with excellent connectivity.
By District
Best Condos in District 1 (CBD, Marina Bay)
CBD condos in D1 (Raffles Place/Marina Bay) for investors and urban professionals.
By District
Best Condos in District 5 (Pasir Panjang, Clementi)
Condos in D5 near NUS and one-north tech hub with value analysis.
By District
Best Condos in District 21 (Upper Bukit Timah)
Family-friendly condos in D21 near nature reserves and top schools.