An unbiased view of the Singapore property market

HDB lease decay: how much cheaper is a flat with 50 years left?

HDB resales since 2024: flats with 45 to 54 years of lease left sold for a median 41% less per sqm than those with 85 to 94, in the same town.

14 Oct 20268 min read

MAS Holds Policy Steady: What It Means for SORA and Your Loan

MAS left the S$NEER band unchanged on 14 October 2026. It does not set SORA, so here is what the decision does and does not change for a home loan.

14 Oct 20265 min read

News

City Plaza en bloc talks, Beauty World Plaza, AirTrunk REIT delay (SG Property Daily)

Property news, 14 Oct 2026: City Plaza owners enter private talks after S$970 million en bloc tender draws no formal bids.

14 Oct 20262 min read

HDB Resale Price Index: Up 8% in Two Years, Flat in the Last One

HDB resale prices have gone flat after a run of gains. What the HDB Resale Price Index measures, its last eight quarters, and private homes.

13 Oct 20265 min read

Artist's impression of the whole development: The Serra Residences tower above its landscaped podium and lap pool, Novena

Market

The Serra Residences: Is S$3,120 psf Too High for Novena?

The Serra Residences in Novena starts from S$3,120 psf. Freehold, 133 units: plans, stacks, a price comparison with nearby condos and what it costs to buy.

16 Oct 20268 min read

SORA vs Fixed Rate Home Loans: When Does Fixed Win? (2026)

SIBOR and SOR are gone. How SORA floating and fixed rate home loans work in 2026, what they cost today, and a worked example of when each one comes out ahead.

Updated 5 Oct 20266 min read

Tool

What will the mortgage really cost?

Monthly instalments, total interest, TDSR and MSR limits, and stamp duty — worked out in seconds with Singapore's lending rules.

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HDB & public housing

All HDB →

Tampines HDB Resale Prices and Rents vs the Island

Tampines HDB resale and rent medians for the 12 months to September 2026, against the island, plus the District 18 condo price per sq ft by quarter.

10 Oct 20263 min read

Ask Propwise

Can You Use CPF for a Flat With 55 Years of Lease Left?

Yes, but your age sets how much. With 55 years of lease left, buyers aged 40 or older meet CPF's age-95 test. Younger buyers get a capped share.

9 Oct 20264 min read

Family walking along a riverside park path at sunset, with HDB blocks in the background

Should You Sell Your HDB to Buy a Private Property? (2026 Guide)

Sell your HDB flat or keep it when you buy private? 2026 rules on MOP, 20% ABSD and refunds, loan limits and CPF refunds, with worked numbers for each route.

Updated 5 Oct 20267 min read

Buying

Queenstown HDB Resale, Rent and Condos: Area Guide (2026)

Queenstown area guide for 2026: MRT lines, schools, HDB resale and rent medians, the condo market, URA land bids and a buyer checklist.

Updated 5 Oct 20264 min read

Buying a home

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Beginner's guide

What Is an Option to Purchase, and What Does the Option Fee Buy?

An option to purchase is the seller's offer to sell at a set price for a set time. The fee pays for that time. How HDB, resale and new launches differ.

Updated 12 Oct 20264 min read

CPF OA Interest Rate in 2026: Why 2.5% Matters for Home Buyers

The CPF Ordinary Account pays 2.5% a year, the legal minimum. How the rate is set, how it links to the HDB loan rate and what accrued interest means.

8 Oct 20263 min read

Selling

How to Negotiate a Property Price in Singapore: HDB and Private

How to negotiate a Singapore property deal in 2026: HDB's 21-day option and valuation gap, private option fees, seller's stamp duty timing and commission.

Updated 5 Oct 20266 min read

Buying

Singapore Cooling Measures: ABSD, LTV, TDSR, MSR and SSD (2026)

Singapore's 2026 cooling measures in one place: ABSD, LTV, TDSR, MSR and the 4-year SSD, with worked examples of the cash and income a second property needs.

Updated 5 Oct 20267 min read

Investing

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7 Singapore Property Investment Myths That Cost Money (2026)

Seven Singapore property investment myths tested against 2026 rules and data: rising prices, rent covering the mortgage, ABSD, lease decay and forecasts.

Updated 5 Oct 20266 min read

Renting

How to Rent Out Your Home in Singapore: Rules, Tax, Tenants

A 2026 guide for Singapore landlords: HDB and URA rental rules, setting rent, CEA tenancy clauses, late payment, repairs, rental income tax and equity loans.

Updated 5 Oct 20267 min read

4 Upside-Down Property Investing Strategies in Singapore (2026)

Four contrarian ways to build property wealth in Singapore in 2026: focus, low costs, cash first and cash flow, tested against ABSD, SSD and a 4% stress rate.

Updated 5 Oct 20267 min read

Is Now a Good Time to Buy Singapore Property? 5 Investor FAQs

Five questions Singapore property investors ask in 2026: good time to buy, overpriced, rents, cooling measures and hotspots, answered with current data.

Updated 5 Oct 20265 min read

Mortgages & money

All Mortgage →

Buying

Costly Home Buying Mistakes in Singapore: Cash, Timing, Tax

Nine costly mistakes Singapore home buyers still make in 2026, from short cash budgets and ABSD timing to the 4-year SSD, with worked examples in S$.

Updated 5 Oct 20268 min read

What Sets Your Mortgage Rate in Singapore? 9 Factors (2026)

What sets your Singapore home loan rate in 2026: the Fed, MAS, SORA, bank spreads, inflation, fixed versus floating, HDB loan pegs and your own profile.

Updated 5 Oct 20265 min read

How to Calculate Property Return on Investment and Yield (2026)

Work out a Singapore property's real return: gross and net yield, cash-on-cash and IRR, with a 2026 worked example covering BSD, ABSD, tax and the exit.

Updated 5 Oct 20268 min read

Office towers in Singapore's central business district