Insights
Market shifts, policy changes and new precincts — read through the lens of what they mean for the value of the home you own today.
27 August 2026 · 9 min read
The new income ceilings change who can enter the queue, while the extra ballot chance and larger BTO pipeline change how families should plan their next move.
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20 Aug 2026
Cash Over Valuation is the cash gap between your agreed price and HDB's valuation. How it works in 2026, why 69.1% of million-dollar buyers paid none, and how to estimate yours before you sign the OTP.
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19 Aug 2026
Real agent commission rates in Singapore for 2026: 2% for sellers, 1% for buyers, one month's rent for rentals — plus the 2024 co-broking rule that changed who pays.
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17 August 2026 · 15 min read
Prices have fallen two quarters running and 13,500 flats reach MOP this year. Eligibility, net proceeds, pricing against valuation and the real timeline — the exact order I work through with owners.
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17 August 2026 · 18 min read
Your selling price is not your cash. Here is how CPF principal, accrued interest and your loan redemption decide what actually reaches your bank account.
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17 August 2026 · 14 min read
Upgrading is a sequencing problem, not a taste problem. Timing, stamp duty and cash flow decide whether the move is comfortable or stressful.
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17 August 2026 · 6 min read
Fewer buyers, no identical comparables and a longer decision cycle. Landed sales need a different pricing and marketing discipline.
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12 August 2026 · 7 min read
Owners keep asking me whether a central address still wins. Three new precincts, and the HDB million-dollar data behind them, say the answer is now more personal than postal.
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