Buying Guide
Buying Guide articles from AI Property.
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
The New Reality of Singapore Property Buying in 2026
PSP: The Real Reason Your Parents Are Co-Signing Your Condo
27 May 2026
Drop Out ECs
Is It Worth Waiting for Drop-Out Executive Condominium (EC) Units?
20 May 2026
How to Negotiate a New Launch Condo in Singapore: Pre-Launch and Launch
Can you negotiate a new launch condo price in Singapore? It depends on the stage. Here is how developers price by demand at pre-launch and at launch, and where buyers actually have room.
18 May 2026
Buying Property in Singapore as a Foreigner: The Complete 2026 Guide
What foreigners can and cannot buy in Singapore, the 60% ABSD reality, who qualifies for FTA exemption, financing options for non-residents, and the actual buying timeline.
15 May 2026