Free guide · 2026 edition

The Singapore Property Beginner's Guide

A 25-page guide to Singapore property with charts, a map, worked examples and the latest rules. Free when you join the Propwise newsletter.

Understand Singapore property before you spend a dollar.

Buying a home is the biggest purchase most of us will make. This guide explains what you are buying, who is allowed to buy it, what it costs and how the loan works. It is written in plain English, with a chart, table or diagram on almost every page.

25 pages, A4 PDF
35+ charts, tables and diagrams
10 chapters, from first look to selling
Oct 2026 rules and numbers, each dated and sourced

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Inside the guide

01
Know your homesHDB flats, ECs, condos, landed homes and what each costs.
02
Tenure, title and who can buyFreehold or 99 years, and who is allowed to buy what.
03
Where: regions, districts and plansCCR, RCR and OCR on a map, the 28 districts, and HDB towns ranked.
04
Who's who in the property marketThe agencies, developers, agents and banks, and what each does.
05
Prices, rents and the property cycleWhat moves prices, with 30 years of data and the MOP wave coming.
06
The rulesStamp duties, ABSD, SSD, TDSR, MSR, LTV, CPF and HDB grants, with worked sums.
07
The 10 steps to buying a homeThe route for a BTO, an HDB resale, a new launch and a private resale.
08
How to choose your mortgageSORA, fixed or floating, and what a rate change does to your instalment.
09
Owning and sellingYearly costs, MOP and SSD, CPF refunds, rightsizing and en bloc.
10
Renting out and investingYield, vacancy, tax and rules, and a rent-or-buy checklist.

Plus a glossary of 28 property terms, eight mistakes to avoid and a one-page checklist to use before you make an offer.

A look at the pages

Guide page: Singapore property at a glance — **Singapore property at a glance**Six facts about the market and 30 years of prices, with the cooling measures marked.

Guide page: Regions on a map — **Regions on a map**The three market segments drawn from URA planning areas, with prices by region since 2014.

Guide page: HDB towns ranked — **HDB towns ranked**Median 4-room price and rent for every HDB town, in one chart.

Guide page: Stamp duties with worked sums — **Stamp duties with worked sums**BSD and ABSD tables, and what they add up to on a real price.

Guide page: How much can you borrow? — **How much can you borrow?**LTV, TDSR, MSR and the minimum cash, with an income worked example.

Guide page: The 10 steps — **The 10 steps**A step-by-step route to buying, with a timeline in weeks.

Built from official data, not opinion

Every number carries its date and its source: URA, HDB, MAS, IRAS, CPF Board and SingStat. Stamp duty, loan limits, grants and income ceilings are the rules in force in October 2026, and every worked example shows its sums, so you can redo them with your own figures.

General information, not financial, legal or tax advice. Rules change, so check the current position before you decide.

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