Practical checklists and step-by-step analysis for Singapore property buyers - MCST checks, OTP preparation, house rules review, HDB-to-private upgrade decisions. If there's an action you need to take before you sign, it's covered here.
Most people compare prices and never see their own numbers. A Property Decision Review puts your cash after the loan and CPF refund, your next affordability and the building checks on one page within 48 hours.
A queue and a pen are not a reason to skip the questions that decide whether a launch unit fits you. Seven checks to settle before the booking fee leaves your account, from funds gap to maintenance fee to exit.
A worked example of a retired couple with a paid-off $1.5 million condo. Renting it out looked like $3,600 a month. After tax, fees, repairs, empty months and their own new rent, it was far less.
Your home can fund retirement in three ways: sell and right-size, rent out all or part of it, or release value while you stay. Each works. The catch is what the building and the lease cost you over the next twenty years.
A worked example of three siblings who inherit their mother's condo with no will. One wants to stay, one wants cash, one lives overseas. See what a buy-out costs and how to avoid a stand-off.
Passing on a home feels like the generous choice. Passing on cash is often the fairer one. The right answer depends on your own retirement needs first, then on how many children will share it.
Parents buy in a child's name to save ABSD on their own second home. It can work, but it uses up the child's first-home status, their loan capacity and their HDB options. Trusts now carry 65% ABSD upfront.
When a home owner dies, the title often matters more than the will. Joint tenancy passes the home straight to the survivor; anything else goes through probate. HDB adds its own eligibility rules.
Gifting a home now and leaving it in a will look similar but cost very differently. A gift is stamped on market value and can cost your child their first-home ABSD status. Inheritance avoids BSD but takes longer.