I'm buying
Work out what you can carry, and what it costs after the price.
The price is the number everyone quotes. What decides whether a purchase works is the loan the rules will actually allow you, the cash a CPF account cannot cover, and what the thing costs to hold once it is yours.
Start here
- What can I afford, and what do I need upfront?The largest loan the rules allow, the cash a CPF account cannot cover, and both stamp duties.
- What will this home cost me to hold?Every duty, interest and commission — and the price a sale must clear to return your own cash.
- How much will I pay while it is being built?The nine stages the law sets, what the bank pays at each, and what your instalment climbs to.
Also useful here
- How do the rules actually work?Every rule, rate and table written out, with its source. Nothing behind an email.
- What did the land underneath cost?Every government land sale awarded since 1993, the winning tender, and every losing bid that was published.
- What is a shorter lease worth?The table the State itself applies to a lease, and what one more year of holding costs.