Direct answers to the questions you actually ask

Yes, a resale flat only, after a 3 year wait from getting PR status. No BTO, ever.

Yes, from age 35, under the Single Singapore Citizen Scheme.

Removed with immediate effect on 28 Jul 2026. Here is exactly what changed and what did not.

Yes for citizens, once your flat passes its 5 year MOP. PRs cannot do this at all.

Decoupling can save up to $400,000 in ABSD on a $2M purchase, but it has its own costs.

20% ABSD plus tiered BSD. On $1.5M, that is roughly $344,600 in total.

Depends entirely on your purchase date. The schedule changed on 4 Jul 2025.

Roughly $9,750 a month gross, assuming no other debt, at MAS's 4.0% stress test rate.

About $425,000 on a $1.5M first property purchase, downpayment, BSD, legal fees and all.

Mostly a question of how long you plan to stay, not what the market is doing this quarter.