Plain-English guides on HDB, mortgages, CPF, and policies — everything a first-time buyer or renter needs in one place.
From eligibility to key collection — everything a first-time buyer needs, updated for the latest BTO classification and cooling measures.
Read the Full Guide →Estimate only. Actual rates and eligibility vary. Consult a licensed mortgage broker for precise figures.
Confirm you qualify as a first-timer. Calculate affordability using MSR (≤30% for HDB) and TDSR (≤55% for all loans).
HDB loan → apply for HLE (valid 6 months). Bank loan → get In-Principle Approval. Know your max loan before viewing.
BTO = wait 3–5 years, lower price. Resale = move in fast, more grants. EC = condo lifestyle + subsidy. Private = no restrictions.
Stack EHG (up to $120K) + Family Grant (up to $80K) + PHG ($30K). Grants can reduce your loan significantly.
Pay 1% option fee to secure the flat. 21 days to decide (HDB resale). Request HDB valuation during this period.
Engage conveyancing lawyer (~$2,500). Pay BSD (1–4%). Sign S&P, disburse CPF + loan, collect your keys.
Tax on 2nd+ properties or foreign purchases. First-time SC buyers pay 0% on their first home.
Mandatory tax on all property purchases, 1–6% depending on price. Payable within 14 days of signing.
Earns 2.5% p.a. Can be used for down payment and monthly repayments. Must be refunded on sale.
Main grant for first-timers. Up to $120,000 based on household income. Applies to BTO and resale HDB.
Letter confirming your max HDB loan. Required before exercising OTP on resale flat. Valid 6 months.
Max loan as % of property value. First property: 75% LTV. Second property: 45% LTV (bank).
HDB flats must be occupied 5 years (Standard) or 10 years (Plus/Prime) before selling or renting out.
HDB loan repayments capped at 30% of gross monthly income. Protects buyers from over-committing.
Legal document giving you the right to buy within a set period. Typically 1% of price is paid upfront.
Benchmark for floating home loan rates. Replaced SIBOR/SOR from 2024. 3M SORA currently ~3.1%.
All monthly debts capped at 55% of gross monthly income. Applies to all property types.
$30K for buying to live with parents; $20K within 4km. Stackable with EHG and Family Grant.
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Whether you're thinking of selling, refinancing, or simply curious after reading about rising prices — knowing your property's value is the first step.
Brian pulls recent transacted prices for similar units in your area to give you a realistic range.
Find out if your current valuation supports better loan terms or unlocks equity you didn't know you had.
Understand where the market is heading and whether now is the right time to list.
No hard sell. Just honest numbers and advice — you decide what to do next.
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💬 Or chat now on WhatsAppI started Angsana Homes because property decisions in Singapore are some of the biggest of your life — yet most information is either too complex or trying to sell you something. Like the Angsana trees that line Singapore's streets, I want to provide shade and guidance at every step of your property journey. Whether you're buying your first BTO or navigating the private market, I'm here to help you make a confident, informed decision.
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