Same $600k. Same 4-room. But one is old and central. The other is new and far. Which one would YOU choose? 🤔 Let's look at Yishun resale market (just an example): 🏢 Older Flat (Central) • 4-room, ~$600k • Lease left: ~60-65 years • Walking distance to MRT • 5 mins to amenities • E

Today we are talking about SSD. For private property purchase after 4 Jul 2025 you have to hold more then 4 years before you sell your property or incur SSD. What this means that what we use to do after selling after typical 3 years construction. Now we have to wait another year which means you hav

You finally found your dream resale flat. Then the admin fees start coming. 💸 Here's what nobody tells you before you sign that OTP: 📋 HDB Resale Application Fee • 1-2 room: $40 • 3-room and bigger: $80 • Pay when submitting resale application 🏷️ Request for Valuation Fee • $120 flat fee

For our HDB and EC friends. You must be familiar with this MOP. Do you know what you can and cannot do before MOP is over? Now with the new BTO types MOP has also reached a new height of 10 years for the prime and plus models. Comment below hat you think of the new MOP time should it have r

And we are back with more BTO. Here’s the 2026 cheat sheet: 🏢 Standard 5‑year MOP, no clawback, can rent whole flat after MOP. You serve 5 years, then you’re free. ✨ Plus 10‑year MOP, subsidy clawback, no whole‑flat rental. More subsidy now, but HDB takes a cut later. 👑 Prime 10‑yea

Buyers always want high floor. Why? Better view. More breeze. Easier to sell next time. But the best reason I ever heard? An auntie told me: 'If you stay low floor, that's 30 families living above you. Stacked. They all 踩在你头上.' And honestly? I've never felt so seen... an

In Singapore property, the option fee is the first step to secure a unit. Once paid, the seller issues the Option To Purchase (OTP) and the property is reserved for you. Typical amounts: • HDB resale: up to $1,000 • Private property: usually 1% of the price During the option period, the

From 'you earn too much for BTO' to 'you earn enough for private but still can't afford it.' 🏠💸 Which income ceiling hurt you the most? The BTO wall, the EC tease, or the private property 'congrats you're rich but also poor' reality? Drop 'BTO', 'EC

Own-stay means you build a life. A kitchen that fits your cooking. A corner for your books. A neighbourhood that feels like yours. But while you're building that life? You might miss the growth in other areas. The new launch you couldn't wait for. The rental income you never collected. T

After you option your HDB unit. Remember to submit a request for valuation first. Do you know what will happen if the valuation comes back below or above your purchase price. Comment below and help buyers out! #HDB #valuation #resalehdb #sg #tyshomes

Two condos. Two完全不同 paths. The Sail @ Marina Bay: Bought at $1.2M. Rents at $5,000/month. That's 5% yield. Expat favourite. Rental king. But capital gain over 15 years? <$10,000 A 3 bedroom @ Lentor Modern? Bought at $2.2mil 3 years capital gain? $488,830 😱 rental for 3 bedroom is $5,

Here’s the process to your HDB purchase - resale Step 1: Apply your HFE Letter and wait for result ✉️ Step 2: When HFE letter is issued you can start to view your shortlisted units 👀 Step 3: Make an offer and negotiate for your dream home. Seller accept move to next step. Step 4 and 5: OTP a

Is the west side the best side with freehold 3 bedroom starting from $2.4M walking distance to MRT? #MyPOV #westie #sgproperty #condo #tyshomes

In today’s market when we are filled with choices, which would you choose? A resale that fits your immediate needs? A pre-GFA harmonised New launch where on paper you have larger sqft yet paying for air con ledge etc Or A new launch GFA harmonised unit where you units seems to be smaller.

Word of the Day: LTV (Loan-To-Value) LTV determines how much the bank can loan you when buying a property in Singapore. Example: Buy a $1M property LTV 75% → Bank loans $750K The remaining 25% must come from CPF or cash. Before looking at property prices, always check your LTV first.

Most homeowners don’t realise this. Your housing loan interest vs your CPF interest can mean: 📉 Net loss ⚖️ Neutral 📈 Net gain Small percentage differences can change how you should structure your housing loan. Understanding this can save you thousands over time. Save this for

You wanted the address. The facilities. The status. What you got? Instant noodles on marble countertops. 3am mental math. A gym and pool we were too exhausted to use. So you downsized. Not in dreams—in square footage. Found an older condo. Smaller kitchen. But somehow... more breathable.

What is sinking fund for? Is my condo gonna sink? #RealTalk #WhyILemon8 #sgcondo #condoliving #tyshomes