The Address

HDB sells 2-room Flexi, 3-room, 4-room, 5-room and 3Gen flats, with Executive flats found mainly on the resale market. Families and couples can buy…

Singapore has 28 postal districts, D1 to D28, and you can find a home’s district from the first two digits of its six-digit postal…

Freehold means you own the land with no end date, a 999-year lease is effectively the same for a lifetime, and a 99-year lease,…

When you buy a resale private condo, you usually pay a 1% option fee for an Option to Purchase, then have 14 days to…

A fixed-rate home loan holds your rate steady for a set number of years, while a floating loan moves with a benchmark, usually compounded…

After getting the Option to Purchase, the buyer of a resale HDB flat must submit a Request for Value to HDB by the next…

Selling an HDB flat starts with registering an Intent to Sell on the HDB Flat Portal, waiting seven days, then granting an Option to…

Seniors in Singapore have three main housing levers: move into a Community Care Apartment with care services built in, sell part of the flat’s…

Open your SP utilities account at least a week before you move, and report your new address to ICA within 28 days of moving…

To rent out a whole HDB flat you must be a Singapore Citizen owner of a Standard flat that has met its Minimum Occupation…

Start by talking, then use free mediation at the Community Mediation Centre; since 1 September 2026, HDB and the People’s Association can also direct…

Singapore has no law fixing rental deposits or repair limits: they are set in your tenancy agreement, and CEA’s workgroup publishes free templates for…

New HDB flats and private homes both come with a one-year defects liability period, during which construction defects are fixed at no cost to…

Every HDB rental, whether a single bedroom or the whole flat, must run for at least six months and needs HDB’s approval before it…

Repricing moves you to a new package with the same bank; refinancing moves your loan to a different bank. It pays when your lock-in…

Joint tenants own a home together with no separate shares, and if one dies the survivor owns it all, whatever the will says. Tenants-in-common…

Every property agent must be registered with the Council for Estate Agencies. Commission isn’t fixed by law: you agree it in a CEA prescribed…

Under HDB’s Home Improvement Programme, essential repairs are free for citizen households and optional items cost 5% to 12.5% of the price. EASE senior…

An en bloc sale needs 80% of owners by share value and strata area for developments aged 10 years or more, and 90% for…

An EC is a condo built by a private developer but sold under HDB rules. Buyers need at least one citizen, a household income…

A resale purchase runs on HDB’s Option to Purchase: an option fee of S$1 to S$1,000, 21 days to decide, and a deposit capped…

Sell a home bought on or after 4 July 2025 within four years, and Seller’s Stamp Duty takes 16%, 12%, 8% or 4% of…

Both HDB and bank loans now lend up to 75% of a flat’s price. Your repayments can’t exceed 30% of income for an HDB…

First-timer families can get up to S$120,000 in the Enhanced CPF Housing Grant, on new or resale flats. Resale buyers can add the Family…

Before you can apply for a BTO flat, you need an HFE letter, which takes about a month and lasts nine months. Then a…

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.…

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…

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.…

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…

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…