Buying Guide
Buying Guide articles from AI Property.
EC MOP Rules 2026: 5 vs 10 Years, Who Can Buy a Resale EC, and the Resale Levy
ECs on sites sold before 8 May 2026 keep a 5-year MOP, while newer sites get 10. Who can buy a resale EC, when the resale levy applies, and how the prices compare.
25 Sept 2026
HDB Income Ceiling Raised to $16,000: What It Means for BTO and Resale Buyers
The HDB income ceiling rose to $16,000 for families and $8,000 for singles on 24 August 2026, the first change since 2019. What it means for your BTO odds, resale prices and the million-dollar flat trend.
18 Sept 2026
EC Income Ceiling Raised to $18,000: Why the Next 5 Executive Condos Still Play by the Old Rules
The EC income ceiling rose to $18,000 on 24 August 2026, but Senja Close, Sembawang Road, Miltonia Close and both Woodlands Drive 17 plots still run on $16,000. Here is which rules apply to which project.
18 Sept 2026
You Got 90% Consent for En Bloc. Here's Why the Deal Still Isn't Done
Consent is step four of seven. Here's what the valuer, the law and the Strata Titles Board still decide after your committee clears 90%, and why a below-market offer can't legally go through.
11 Sept 2026
Is En Bloc Only for Freehold Condos? Freehold vs Leasehold in Singapore
Buying an HDB hoping for 'en bloc potential'? Here's what SERS and VERS odds really look like, and what actually holds resale value while you wait. Is en bloc only for freehold condos?
11 Sept 2026
Singapore’s Postal Code and District Directory 2026
Find any Singapore property district using the first two digits of its postal code. See all D1-D28 postal sectors, neighbourhoods and new-launch links.
24 Aug 2026
The 15-Month Wait-Out Period Is Gone: What Private Downgraders Must Know Before Buying an HDB
On 28 July 2026 the 15-month wait-out for private owners buying an HDB resale flat was removed with immediate effect. Two real client stories show the catches that remain: the 30-month HDB loan rule and the ethnic quota.
03 Aug 2026
Will Developers Really Discount to Avoid ABSD? What Singapore's 2026 Rules Change
Many buyers wait for developers to slash prices near the ABSD deadline. Since March 2025, large and complex projects get a longer remission timeline, so that pressure has eased. What the developer's ABSD really is, and whether to wait or buy at launch.
29 Jul 2026
Executive Condo (EC) Buyer's Guide 2026: Eligibility, Income Ceiling, MOP and Financing
How to buy an Executive Condominium in 2026: who qualifies, the $16,000 income ceiling, the 30% MSR and bank-loan rules, the new 10-year MOP and 15-year privatisation, CPF grants, the resale levy, and the ABSD advantage for HDB upgraders.
14 Jul 2026
How Much Do You Really Need to Buy a Condo in Singapore? Down Payment, TDSR and Stamp Duty
How much cash and CPF you really need to buy a condo in Singapore in 2026: the 25% down payment and 5% cash rule, the TDSR loan limit, Buyer's Stamp Duty, and the full upfront cost on a $2 million example.
01 Jul 2026
How HDB Upgraders Avoid ABSD in 2026: Sell-First vs Decoupling
How Singapore HDB upgraders legally avoid or recover ABSD in 2026: the sell-first route, the buy-first 6-month remission, why you cannot decouple an HDB, and how decoupling works for private owners.
30 Jun 2026
The Crab Bucket Effects
Crab Mentality Part 1 - Buyers (Are you one of them?)
08 Jun 2026