Condo owners typically pay S$300 to S$700 a month, split between a management fund for daily running and a sinking fund for big repairs. How fees are set by share value, what the AGM decides, and what to check before you buy.

Property tax is charged on your home’s annual value, its estimated yearly rent, at progressive rates from 0% to 32% if you live in it. The bands, a worked example, why renting it out costs more, and the 2026 rebate.

Every HDB household pays its town council a monthly service and conservancy charge, from about S$50 to S$120 depending on flat type and town. What it pays for, who gets the reduced rate, and the 2026 rebates.

Every HDB block and neighbourhood has ethnic limits, and non-Malaysian PR households have their own quota. How the EIP and SPR limits work, why they can shrink your pool of buyers, and how to check them.

Buy a second subsidised flat and HDB takes back part of the first subsidy: S$15,000 to S$55,000, set by the flat you’re leaving. Who pays the resale levy, how much, and how it’s paid.

Every buyer pays Buyer’s Stamp Duty of 1% to 6%, S$24,600 on a S$1 million home. Additional Buyer’s Stamp Duty then depends on who you are and how many homes you own: 0% to 65%. The rates and how they work.

An HDB flat is a 99-year lease that returns to the state when it ends. How the remaining lease limits your CPF and loan, what the age-95 rule means, and where upgrading and VERS fit in.

Stamp duty on a Singapore lease is 0.4% of the total rent for leases up to four years, usually paid by the tenant within 14 days of signing. How to work it out, pay it, and avoid the penalty.

The MOP is five years for most HDB flats and ten for Plus and Prime. Until it’s up, you can’t sell, rent out the whole flat or buy private property. How the clock runs, and what you can still do.

Since October 2024, new HDB flats are Standard, Plus or Prime. Plus and Prime flats get bigger subsidies but come with a ten-year MOP, no whole-flat rental, and a clawback when you sell. The rules, side by side.