Data-Driven Singapore Property Investing. Zero Sales Pressure.
Built by investors, for investors. Community discussion and public-data insights on mortgages, new launches, selling and rental yield, from the r/SgPropertyInvesting community.
Members discuss market cycles, TDSR limits, stamp duties and new launches.
Community rules discourage agent self-promotion. Discussions draw on public transaction data such as URA and HDB statistics.
Deep analytics on resale condo liquidity, 2B1B vs 2B2B exit demand, MCST sinking funds, and developer pricing.
Explore by Topic
Notes and calculators for buyers, sellers, landlords and home loans.
Mortgage & TDSR
How the 55% TDSR limit, stress-test rates and bank packages work, plus community discussion on financing.
Private & Launch Analytics
PSF gaps against nearby resale, layout efficiency and rental demand, with links to public URA data.
Selling and exit timing
Notes on seller's stamp duty, recent sales in your development and timing your exit.
Landlord Yield Notes
Gross vs net rental yield, MCST costs, tenancy and vacancy, from public rental data and community discussion.
Key guides and calculators
- November 2026 BTO: towns, flat types, income ceiling and payments What's in the Nov 2026 BTO exercise.
- Sell HDB, buy condo: timeline, ABSD and cash flow The order of steps when upgrading from an HDB flat to a condo.
- Executive condo (EC) rules in 2026: MOP, eligibility and decoupling Who can buy an EC, what changed on 8 May 2026, and whether you can decouple during the MOP.
- Cash needed to buy a condo: downpayment, BSD and ABSD The cash you need upfront for a condo purchase.
- Additional buyer's stamp duty (ABSD): who pays, how much, and when ABSD rates by buyer profile, payment deadlines and refunds.
- ABSD remission for married couples: the 6-month rule Who gets the ABSD on a second home back, and the deadline to sell the first.
- HDB resale price trends: median 4-room prices by town Median 4-room HDB resale prices by town.
- Calculator: upfront cost, rental yield and return For an HDB flat, EC or condo.
- Second condo and ABSD: a worked example What a second condo costs after 20% ABSD.
- How to compare condo price per square foot using URA data Five checks before comparing psf between projects.
- Defect inspections: when a paid check is worth it, and the prices firms list For a new BTO, new condo or resale home.
Community Discussion Highlights
2-Bed 2-Bath vs 2-Bed 1-Bath Resale Liquidity Analysis
A recurring community discussion: many members believe 2B2B layouts are easier to resell and rent than 2B1B in RCR/OCR because they suit more tenant and buyer profiles, while 2B1B units offer a lower entry quantum. Check actual URA transaction records for the specific project before relying on this.
Private Launch Entry Prices vs MCST Sinking Fund Impact
High launch prices combined with monthly MCST maintenance fees can noticeably reduce net rental yield. Community members recommend checking the share value allocation and maintenance fees for your unit before booking.
Navigating TDSR Limits & MOP Wait-Out Reversals
With the 55% TDSR ceiling and 4.0% medium-term stress test rates, buyers upgrading from HDB should check how banks will count their income. Members often discuss TDSR, the 4% medium-term rate floor and the timing of selling and buying.
Instant TDSR & Borrowing Power Estimator
Estimate your maximum property loan based on Singapore's 55% TDSR capping rule.
For the full TDSR, MSR and LTV check, use the mortgage calculator. For the downpayment and stamp duty on a condo, see cash needed to buy a condo.