EC 2026 Changes — Who Actually Wins? 🏠 

Everyone's upset about the new EC rules. But here's the side nobody's sharing. 📋 What Changed (8 May 2026): ⏰ MOP: 5 years → 10 years No selling, renting out whole unit or buying another property for 10 years. 🎯 First-Timer Quota: 70% → 90% Priority window extended from 1

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🧠 Emotion vs Logic: Terra Hill

Why I will NOT buy (emotional me): • North girl in West = lost • No familiar kopitiam • Feels like another country 💰 Why I WILL buy (investor me): → Sneak peek: entry + exit strategy Full breakdown in part 2. Save this. #westsidebestside #property #sgcondo #MyPOV #tyshome

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🍋 Income Ceiling: Is $14k Still Fair?

The rule: Couples earning $14k or below can apply for BTO. The reverse question: What about the couple earning $15k? They don't qualify for BTO. They qualify for EC (ceiling $16k) – but new 10-year MOP applies. They can buy resale – but prices are high. So where do they go? 💬 Some

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Singles Guide to BTO 🏠 Income Ceiling Series — Part 1 If you're a single applicant looking to apply for BTO — here's the number you need to know: 💰 Income Ceiling: $7,000/month Earn below $7,000? You are eligible to apply. ✅ Earn above $7,000? BTO is not available for singl

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Durian? GFA Harmonisation?

You buy a 3kg durian for $80. But 0.5kg is SHELL you can't eat. You just paid for garbage. * That's how buying a condo used to work before 2018. You paid for 1,000 sqft. But ~50 sqft was aircon ledge, planter, void space. You couldn't use it. You just paid for it. Then GFA Harmonisat

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With the oil crisis ongoing what is the impact in the property market? This was addressed at PropNex CES at Vela Bay by Mr Ismail. With oil price at all time high this will affect construction cost for materials and transportation. Will this cost be bear by consumer or developers? If consum

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Yishun room for rent

Priced at just $750 negotiable for a single TT or stay with a friend for $1,000, this single-room listing offers affordable living in a modern HDB apartment built in 2022, ideal for young professionals seeking comfort and convenience. Perfect for those looking for a hassle-free rental, this room

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Stay in suburban or city area? #HDB #realestate #sg #property #tyshomes

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How to buy a property part 2: loan

For property loan you have to abide by this 2 ratio your MSR and TDSR. In this video we will illustrate how this ratios are used to determine your loan ability. How much your income can be used to buy a property. #HDB #RealTalk #condo #finance #tyshomes

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Cheap Room for rent

Looking for a room in the Bukit Panjang area? Here’s a executive apartment HDB room our for rent Perfect for a single working adult/student dm or comment for viewing! Starting from $7xx What your rental comes with: - can use air con - Light cooking (maggie and eggs, etc) - No restriction t

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Home to Freedom Ep 2

The scariest monster doesn't roar. 🧟 It hugs. EP 2 of HDB To Freedom — The Comfort Zombie is the reason thousands of Singapore families never make their move. Even when someone is right there showing them the way out. Is it hugging you right now? EP 3 drops next Monday. 👀 #HDBtoFreedom #F

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From 'new and small' to 'old and big'

Younger properties keep their value and loan eligibility, but you'll live in a shoebox. Older properties give you space and location, but lease decay is real. There's no perfect answer - only the trade-off you can live with. Drop 'YOUNGER' or 'OLDER' below. Let's see w

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POV: You’re a foreign investor

You heard “60% ABSD” and closed the Singapore tab forever. Wait. That 60%? That’s for residential property. Condos. Landed homes. Places people live. But commercial property? Shops. Offices. Shophouses. Medical suites. For foreigners? 0% ABSD. Same $1 million. Same Singapore. Same potential.

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Word of the day - property edition

TOP (Temporary Occupation Permit) — one of the most misunderstood terms in Singapore property. A lot of buyers think TOP means fully completed and perfect… but actually it just means the unit is ready for move-in. Small defects, touch-ups, unfinished common areas — still normal. If you’re

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Home to freedom - Ep 1

The curse has already begun. ⏳🦖 Welcome to Home To Freedom — the series where everyday Singaporeans fight to Retire With Enough. EP 1 — The Lease Decay Demon is our first monster. And it doesn't just hunt HDB owners. It hunts EVERY leasehold property in Singapore. Your 99-year cloc

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The richest man in Babylon

3 things I learnt from The Richest Man in Babylon 1️⃣ Pay yourself first (10%) 10% of my income is mine to keep. Nowadays, a lot of us spend everything we earn — become what people call “月光族” (end of month no money 😅). So I started keeping 10%. If I earn $10,000, I save $1,000. Doesn’t fe

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Almost impossible.

Rental income AND capital gain in 1 property? Just like stocks - high growth rarely pays high dividends. So how to get both? Own 2 properties. ‘Siao ah own 2. You think I print money is it? ABSD don’t need pay ah?’ Yes, ABSD need pay if both properties are under one name. But did you know ther

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Home to freedom - prologue

Something has been whispering to Singapore homeowners for decades. And nobody knew it was the enemy. Find out more every Monday how to achieve financial freedoms with your home. #HDB #loan #retirement #sgproperty #tyshomes

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POV “to buy or not to buy” part 2

So why did I tell them to walk away from a ‘perfect’ deal? Because it was a buy‑then‑sell case. For a $2M property, the upfront cost wasn’t just 5%+15%+BSD… it was also 20% ABSD = $400k extra cash/CPF. Refundable later, but you need to find it first. 3 reasons I advised them to back out: 1️⃣

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To buy or not to buy?

Price right. Location right. Future price protected. We even had the queue number. Everything was perfect… yet I told my clients to walk away. Why would anyone do that? Tomorrow I’ll share the full story – and reason that saved them from a $400k stress bomb. Drop a ‘💰’ if you’re curious to find

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Darren | SG Property Tips