Purchasing a new home can be very exciting. However it is also extremely important to understand not just the timeline for the transaction but also the payment timeline. At different points in your journey, you will be required to pay for your new home in stages. The fees include things such as an Option Fee, Exercise Fee, Stamp Duties, Various HDB Admin Fees, Agency Fees and more.

In this image, we break down the step by step process and timeline so you would be a 100% prepared every step of the way when purchasing your resale HDB Flat!

Maybe you have been trying for a BTO/SBF for a long time and just cannot get a queue number. Or Maybe you are unable to wait for 3-5 years for a BTO and need a place to stay soon. In Singapore, finding a suitable and affordable home is becoming quite the challenge due to the competitive housing market. If you have already made a decision to purchase a Resale HDB, should you go for a newly Minimum Occupation Period (MOP) completed Housing Development Board (HDB) flat or opt for an older resale flat?

The decision largely depends on your personal circumstances, financial situation and lifestyle choices. Here are some factors to consider.

The decision to marry before acquiring a mortgage or vice versa is a deeply personal one, influenced by individual needs and circumstances. Both marriage and homeownership represent significant financial commitments, necessitating careful consideration and planning.

When deciding between the marriage versus homeownership dilemma in Singapore, here are some key factors to consider.

Should I choose a Housing Development Board (HDB) loan or a bank loan? Many first-time homebuyers often face this decision soon after selecting their first home. This guide hopes to simplify the complexities and terminology associated with HDB and bank loans, helping you understand the key differences!

Investing in commercial property in Singapore can be an attractive option for many, given the limited space and high demand for real estate in our densely populated nation. Unlike the more commonly discussed residential properties, commercial real estate offers unique opportunities and considerations. Here are some key considerations to note before purchasing a commercial unit in Singapore!

HPS is an insurance plan designed to safeguard homeowners and their families from potentially losing their HDB flats under unfortunate circumstances such as death, terminal illness, or total and permanent disability. It ensures the complete repayment of the outstanding mortgage, with the insured amount decreasing in accordance with the remaining home loan balance.

Most people who are looking to purchase their very first HDB Flat are in a life stage where we are progressing well in life and making some decent income. One can opt for a bank loan if your income ceiling exceeds the requirement or consider the HDB concessionary loan, commonly referred to as an HDB loan. 

Here's what you need to know about securing an HDB Loan when purchasing a HDB flat in Singapore!

In Singapore, the government tends to lean towards being prudent in managing money and finances. Because of this general principal of prudence, the Government in Singapore has set rules to prevent homebuyers from borrowing too much when buying a house. These rules, known as the loan-to-value (LTV) limit, decide the maximum amount a home buyer can borrow compared to the property's price or its market value, using the lower of the two.

This question is one of the most common questions buyers will ask when it comes to purchasing a condo in Singapore. As always, different products are suitable for different audiences and there isn’t one that is better than the other in every situation. Apart from growth in price or rental yield, there are other important qualitative considerations such as living near parents, amenities, schools, preferences and such! Here are some points of consideration before you make a decision!

Whether you've enlisted the help of a realtor or you're flying solo without your handy co-pilot realtor friend, buckle up for a rollercoaster of lessons and common mistakes! Selling your home is a game-changer. The last thing you want is to accidentally turn it into an emergency crash landing where the land of opportunity becomes the land of terrors. Let's explore some first-time seller slip-ups and learn how to dodge those costly blunders together!

Navigating the world of home ownership as a lively and fabulous singleton in Singapore can be an exciting adventure! Turning 35 brings the prospect of your very own HDB. It's like unlocking a new level with new skills in the game of life! So, let's explore the options on purchasing a your own home as a Single in Singapore!

This requirement is known as the Minimum Occupation Period (MOP) the Housing and Development Board's (HDB), which states that the complete sale or rental of your HDB flat is prohibited until five years after key collection. We explore all aspects of the HDB MOP, covering permissible and restricted actions during this period, as well as any exclusions to the rule.

Choosing between a Build-To-Order (BTO) flat and a Resale HDB flat is one of the most common questions being asked in Singapore. A crucial decision for first-time homebuyers, the selection process involves considering various factors that can significantly impact your home ownership experience. We delve into some factors in detail to help you make an informed decision that aligns with your preferences and needs.

There are a little more hoops to jump through in order to purchase a HDB flat together with your spouse who is not a Citizen or PR. Here's a simple guide to what you need to know as of 2023.

Have you ever heard the Home Staging and wonder what it means? Home Staging is a marketing strategy aimed at making a property stand out among the competition. The primary objective is to enhance a property's appeal and differentiate it in the market. Read on for more!

Have you ever heard Seller agents use the terms “Seller doing Contra” or “Contra” while you are trying to purchase a Resale HDB? So what exactly is “Contra”?

Embarking on the journey to buy an HDB flat involves navigating through various eligibility assessments, but a significant change is on the horizon. As of May 9, 2023, the HDB Loan Eligibility (HLE) letter will be succeeded by the HDB Flat Eligibility (HFE) letter. This letter consolidates all eligibility assessments for prospective homebuyers, simplifying the process and reducing the need for a whole bunch of documents.

Let’s explore some common mistakes made by homeowners when selling their properties. Avoiding these pitfalls can help ensure a smooth and successful transaction.

What is Cash Over Valuation (COV) for Resale HDB Flats in Singapore?

How to Enquire on HDB Listings in Singapore