Buying a private condo or landed home in Singapore

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Where to start (13)

• Buying property in a downturn: risk or opportunity?How holding power, financing, and time horizon decide whether a Singapore property downturn is a buying window or a trap. A clear decision.
• Deferred Payment Scheme for Private CondosDPS was removed for new Executive Condo land, not private condos. How a deferred structure differs from the standard progressive payment schedule.
• How much downpayment to buy a condo in SingaporeExact Singapore condo downpayment breakdown 2026: 5% cash, CPF OA usage, 25% total for first property. Tables by price point from $1M to $3M. CEA R073319H.
• Is now a good time to buy property in Singapore?The answer turns on your readiness more than the market. The checklist: downpayment ready, TDSR met with buffer, a five plus year horizon and a clear purpose.
• The 7 hidden costs first time buyers always miss in SingaporeThe 7 costs first time Singapore property buyers almost always underestimate, with a worked total so you budget accurately before making an offer.
• How long does it take to buy a condo in Singapore? The full timelineA week by week timeline for buying a condo in Singapore, covering resale and new launch purchases, from first viewing to collecting keys, with key deadlines.
• Preparing to buy your first private home: the pre offer checklistWhat to sort out before you make an offer on your first private home in Singapore: Approval in Principle, the full cost stack, and a printable checklist.
• What salary do you need to buy a condo in Singapore?Reverse engineer the TDSR to find exactly what salary you need to buy a condo in Singapore. Price to income table for every major price band in 2026.
• How much money do I need to buy a house in Singapore?The full cash to close stack for a Singapore property purchase: downpayment cash, BSD, legal fees, valuation and mortgage stamp duty, worked at $1M.
• Waiting For The Crash Is The Most Expensive Decision Most Buyers MakeEvery year someone predicts a Singapore property crash. The people who waited for it have paid for that patience.
• What $1.5M and $2M Buy in a Singapore Condo, District by DistrictWhat size of condo $1.5M and $2M buy in each Singapore district in 2026, worked out from Q3 2026 URA transaction medians, with CCR, RCR and OCR views.
• What $1M Buys in a Private Condo: Size, psf and DutiesSize at $1M is price divided by psf. A sourced size grid, how to get a project psf from URA, Q3 2026 CCR, RCR and OCR context and stamp duties at $1M.
• When NOT to buy Singapore property: five tests to run on your own numbersFive tests before buying Singapore property, run on a $1.5 million example: TDSR at the 4% floor, cash after duties, Seller's Stamp Duty and ABSD. CEA R073319H.

Choosing a district, project and unit (29)

• How to Spot a Genuine Below Market Value PropertyBelow market value has no official definition in Singapore. Test a discount against recent sales, stamp duty and loan rules, with a worked all in cost example.
• Best district to invest in Singapore: data driven rankingsHow to pick the best Singapore property district for your goal, using a 5 metric framework covering yield, appreciation, entry price and exit liquidity.
• Buying near temples, hospitals and cemeteriesBuying near a temple, hospital or cemetery in Singapore: the beliefs, the practical concerns, and what it actually does to resale and rental value.
• CCR vs RCR vs OCR: the investor's decision frameworkCCR vs RCR vs OCR investor framework for 2026: PSF growth, net yield, liquidity scoring, and Property Portfolio Analysis positioning by zone. Winfred.
• Strata Landed Singapore: Who Can Buy a Cluster Home?Cluster home Singapore buyers: SLA says a foreign person needs approval for a strata landed house outside an approved condominium. See BSD, ABSD and MCST fees.
• Singapore condo resale market trends: what's happening nowSingapore condo resale market trends 2026: prices, interest rate impact, buyer demand, and what's shifting now. Real data from URA and PropertyGuru.
• Condo Supply Wave Ahead: What It Means for Resale SellersURA's 23 Oct 2026 data shows more condos completing. See the official figures, what analysts say, and what it may mean for resale sellers. General information.
• MCST vs JMB in Singapore: What the Official Pages SayHeard of MCST and JMB? See what BCA and URA say about who manages condos and strata landed homes, share value, voting, levies and where disputes go.
• Dual key condo Singapore: facts on ownership, tax and rentingDual key condominiums in Singapore: one strata title, how the purchase is taxed, and how banks treat rental income under MAS rules. Updated for 2026.
• Floor plan efficiency ratio: why two 800 sqft units can feel differentHow efficiency ratio, usable area versus strata area, varies by layout and development, why it matters more than headline size, and how to estimate.
• Freehold vs 999 year leasehold: is there really a difference?A 999 year lease behaves almost like freehold for living and resale. The real tenure gap is against 99 year leasehold, where lease decay matters.
• Freehold vs 99 Year Leasehold Singapore: The Honest TradeoffFreehold vs 99 year leasehold Singapore 2026: the 15 to 25 percent premium, Bala's curve lease decay, CPF limits and en bloc upside, the honest trade off.
• Integrated Development vs Standalone Condo: Is the Premium Justified?Singapore integrated developments built above an MRT station or bus interchange command a lasting price premium over standalone condos. Is it worth paying?
• Living above a mall: the pros and cons of integrated developmentsWhat it is actually like to live in a Singapore integrated development above a mall and MRT station, the genuine conveniences, and the noise and privacy trade offs.
• Living in District 15: Katong, Marine Parade, Joo Chiat for FamiliesDistrict 15 covers Katong, Marine Parade, Joo Chiat and East Coast. Condos typically run about $1,800 to $2,600 psf. Schools, transport and family living.
• Marine Parade and Katong Condo: D15 Lifestyle Premium ExplainedD15 Marine Parade and Katong condos carry a real lifestyle premium: East Coast Park, Peranakan heritage, constrained supply and TEL access. What drives it.
• New launch vs resale condo in Singapore: the framework I actually useNew launch vs resale condo Singapore 2026: 20 to 30% PSF premium, progressive payment scheme, liquidity risk, and the investor decision framework. CEA R073319H.
• New launch vs resale by district: the numbersNew launch vs resale PSF premiums by Singapore district in 2026: where the gap is justified, where resale wins, and which buyer profile each path suits.
• New launch vs resale in Lentor, District 26New launch vs resale in Lentor: paying for fresh 99 year leasehold and progressive payments like Lentor Gardens Residences, versus a near complete unit.
• OCR vs CCR Property Returns in Singapore: The EvidenceShould a Singapore property investor target Outside Central Region or Core Central Region? The mechanisms behind capital appreciation and rental yield.
• Penthouse Condos in Singapore: Pricing, Space and ResaleWhat a penthouse condo really is in Singapore, how to check prices on URA data, how BSD and ABSD apply, and what to weigh on resale. General information only.
• PSF vs quantum: which number should drive your decisionWhen PSF is the right comparison metric, when total quantum matters more, and how to read Singapore property listings and transaction data without being misled.
• Buying Near Good Schools in Singapore: How Much of a Premium is Real?How Singapore's school catchment zones affect property prices, which primary schools move the market, and how the premium behaves over a hold period.
• Small unit vs big unit: which is the better investment?PSF, yield, tenant pool, and resale liquidity, the real trade offs between a 1 bedder and a 3 bedder as a Singapore property investment. Winfred Quek.
• What Is Strata Title? What Condo Owners Actually HoldStrata title explained: your lot, your share of the common property, share value, the MCST and by laws, and what to ask before you buy. General information.
• Upgrading to landed property in Singapore: the 3 decision frameworkUpgrading to landed property in Singapore: inter-terrace, semi-D, detached prices, ABSD exposure, financing realities, and the 3 decision framework.
• Walk up apartments: the overlooked value play in SingaporeOlder no lift walk up apartments in Singapore: entry price, the en bloc angle, rental demand, and the real downsides an investor needs to weigh honestly.
• What makes a property appreciate? The 6 real driversThe six factors that genuinely drive Singapore property values, location and infrastructure, supply, tenure, project quality, entry price.
• Which District Is My Condo In: Postal Code to District LookupType your six digit postal code to see which of Singapore's 28 property districts (D01 to D28) it falls in, with the full postal sector table.

Option to purchase and the sale agreement (15)

• What Happens After You Exercise OTP? Deadlines and StepsJust about to exercise OTP in Singapore? See what the official templates and IRAS, HDB and CEA pages say on the binding contract, stamp duty and deadlines.
• What to do before you exercise your Option to Purchase: a buyer's checklistWhat to confirm before you exercise an Option to Purchase in Singapore: financing, the bank valuation, your lawyer, and the cash needed on exercise.
• Booking fee vs option fee vs exercise fee: what each one actually locksBooking fee, option fee and exercise fee sound alike but lock in different things. What each payment means when buying property in Singapore.
• Diplomatic Clause in Singapore: Can You End a Lease Early?A diplomatic clause lets a tenant end a Singapore lease early only if the lease says so. See what the official template says on triggers, notice and deposit.
• Considering multiple properties at once? Here is what to actually doOnly one OTP can ever be exercised. Why holding options on more than one property is risky, what you stand to lose, and how to sequence viewings responsibly.
• How to read the Sale and Purchase Agreement clause by clauseA section by section walkthrough of a Singapore private property Sale and Purchase Agreement, so buyers understand exactly what they are signing.
• How to read your OTP clause by clauseA clause by clause walkthrough of the Option to Purchase for Singapore property buyers, from parties and deposit to completion date and conditions.
• What a Pre Purchase Inspection Can and Cannot Get YouHow inspection fits into a Singapore property purchase, what it can realistically achieve, and why timing it before you sign matters more than after.
• Your home loan got rejected after exercising the OTP: now what?Immediate steps when financing falls through after you exercise the OTP: alternative lenders, the completion clock, and what the S&P agreement usually says.
• From offer to OTP: what first time buyers must knowHow offers and the Option to Purchase actually work in Singapore: option fee and exercise money, the window to decide, and when it becomes binding.
• Understanding the Option to Purchase in Singapore Property TransactionsThe Option to Purchase is Singapore's first binding step: a 1% fee, 14 days to decide (21 for HDB), then forfeited if not exercised. Exercising adds 4% more.
• What happens if you forfeit your OTP deposit?Before you exercise the option you lose only the option fee, typically around 1% of the price. After exercising, the seller can generally forfeit about 5%.
• Pre Selling Singapore Condo Before TOP: Sub-Sale Rules, Stamp Duty, and What the Market PaysSelling before TOP is a sub-sale: you sell your rights under the developer SPA. SSD runs 16%, 12%, 8% and 4% over four years for purchases from 4 July 2025.
• What is a Sale & Purchase Agreement (S&P)? A buyer's guideSale and Purchase Agreement Singapore: what the S&P covers, how it differs from the OTP, the timeline to completion, and the clauses every buyer should check.
• Stamp duty when assigning or subselling an OTPAssigning or subselling an Option to Purchase before completion creates two separate stamp duty touchpoints in Singapore. Here is the mechanism, explained plainly.

Legal checks, completion and handover (15)

• How to buy property at auction in SingaporeHow property auctions work in Singapore: registering to bid, the deposit when the hammer falls, the compressed timeline and the risks of buying unseen.
• Why a buyer's agent is the one keeping your purchase on scheduleHow a Singapore buyer's agent coordinates the bank, lawyer and paperwork so financing, requisitions and completion stay on the timeline you actually expect.
• Common mistakes that delay a property completionThe most common mistakes that delay a Singapore property completion: CPF shortfalls, late loan documents, valuation gaps and title issues.
• What happens on completion day when buying propertyCompletion day mechanics for Singapore property: funds disbursement, CPF and bank loan drawdown, key handover, and the final checks your lawyer runs.
• Completion Holdbacks: When Money Is Held Back and WhyHow completion holdbacks work in Singapore property sales: delayed CPF refunds, apportioned tax, and retention sums agreed in writing before signing.
• The new condo defects inspection checklist for Singapore handoversInspecting a new Singapore condo at handover: the defects liability period, a room by room defects checklist, and how to get the developer to rectify defects.
• Conveyancing in Singapore: what your property lawyer doesWhat conveyancing actually involves in Singapore: title searches, legal requisitions, CPF and loan coordination, completion, and typical legal.
• The defects liability period: what new launch buyers should knowWhat Singapore's defects liability period covers after TOP, how to document and submit defects properly, and the line between developer defects and normal wear.
• How to check a property's past transactions: a URA caveat guideHDB resale transactions are on data.gov.sg. Private sales sit in URA REALIS, which needs a subscription. How to compare price per square foot before an offer.
• INLIS Title Search: Verify a Property Title Before You BuyINLIS is SLA's online land titles search. See which search shows the owner and any caveat, what a caveat is, and what a title search leaves out.
• What is a mortgagee sale in Singapore?A mortgagee sale is a bank sale after the owner defaults on the home loan. Units are sold as is with no seller warranties, so buyer due diligence matters.
• What a title search and requisitions actually uncoverWhat a conveyancing lawyer's title search and requisitions to URA, HDB, town council and utilities are checking for, and why this step can delay completion.
• TOP, CSC, and vacant possession: what's the differenceTOP lets people move in, vacant possession is when you get your keys, and CSC confirms the whole development is complete, often about a year after TOP.
• The real cost of holding a vacant rental unitWhat a vacant Singapore rental unit really costs beyond lost rent, mortgage, higher property tax, MCST fees, and how to decide how much rent flexibility is worth.
• What is a caveat and why does it matter when buying?What a property caveat is in Singapore, why your lawyer lodges one after the OTP to protect your interest, and what a caveat search reveals.

Condo living: MCST, fees and rules (14)

• Common property vs your unit: who pays for what repairA practical boundary guide to condo repairs in Singapore: windows, external walls, pipes and aircon ledges, and whether it's your bill or the MCST's.
• Condo bylaws: what your MCST can and cannot enforceUnauthorised renovation, illegal subletting, pet breaches and noise are common condo bylaw violations. Here is how an MCST enforces them, and why it cannot fine you.
• EV charging and parking lot rules in Singapore condosHow EV charging infrastructure gets planned and rolled out in Singapore condos, and how MCSTs typically allocate charging bays and costs among owners.
• When condo facility bookings go wrongNo shows, overbooking and exclusive use disputes over condo facilities in Singapore, how MCSTs typically handle them through booking policies and deposits.
• Condo Maintenance Fee Singapore: What It Covers and Why It RisesCondo maintenance fee in Singapore: what your MCST contributions pay for, who sets them, what can push them up, and what BCA says to ask before you buy.
• Pet rules in Singapore condos: what's actually allowedCondo pet rules in Singapore are set by each MCST, not one national law. Common restrictions on size, breed and number, and what a pet owner should check.
• Getting your condo renovation approved by the MCSTHow MCST renovation approval works in Singapore condos: the permit application, contractor deposit, hacking limits and working hours, explained plainly.
• How MCSTs catch and penalise illegal short term rentalsHow Singapore condo MCSTs detect illegal short term or Airbnb style rentals, the enforcement steps taken, and the fines that URA, not the MCST, can impose.
• MCST AGMs: how condo governance actually worksHow an MCST AGM works under the Building (Strata Management) Act: 14 days notice, 30% quorum, proxy limits and the vote each resolution needs.
• Running for or voting in your MCST councilWhat standing for or voting in your condo's MCST council actually involves, the time commitment, and the real influence it has over fees and decisions.
• Renting Out a Condo Unit: What the MCST Can Ask of YouWhat the Building (Strata Management) Act and BCA guidance let an MCST require of a condo landlord and tenant: by laws, registration, fines and deposits.
• Sinking fund vs management fund: what your condo fees pay forYour condo maintenance fee splits into two very different pots. Here is what the management fund and sinking fund each pay for, and why the split matters.
• Town Council vs MCST: Who Manages WhatAn MCST runs a condo's shared property and collects maintenance fees. A Town Council runs an HDB estate and collects Service and Conservancy Charges.
• Water leak from the unit above: who's liable?A leak from inside the unit above is generally that owner's responsibility; common property such as a shared riser is the MCST's. Disputes can go to the CDRT.

Landed homes and Good Class Bungalows (12)

• Beauty World: Bukit Timah's integrated transport hub redevelopmentBeauty World's integrated transport hub redevelopment is reshaping a corner of Bukit Timah. What it means for the low rise precinct around it.
• Can Foreigners Buy a GCB? The Sentosa Cove ExceptionForeigners generally cannot buy Good Class Bungalows or landed property. The exception is Sentosa Cove, where SLA approval and 60% ABSD still apply.
• Can PRs buy landed property in Singapore?Yes, but only with discretionary approval from the Singapore Land Authority (LDAU). Here's how approval, ABSD, and Sentosa Cove work for PRs.
• Financing a landed property rebuild: how construction loans workHow a Singapore construction loan for a knock down rebuild or major addition and alteration works, staged disbursement against progress. Updated for 2026.
• The 39 Gazetted GCB Areas in Singapore (Full List)Complete list of all 39 gazetted Good Class Bungalow (GCB) areas in Singapore, with URA planning rules and a buyer checklist.
• Good Class Bungalow Market UpdateGCB deal volume, the record Nassim Road sale, why bungalows trade on their own cycle, and the citizenship rule that keeps the pool of buyers small.
• What Landed Homes Cost in Singapore: Terrace to DetachedNo invented price ranges: URA's landed price index trend, how to check real landed sales on URA's transaction search, and who may own landed under SLA rules.
• Raising a family in a condo vs a landed home in SingaporeSpace, facilities, safety and community for a growing Singapore family: an honest condo versus landed comparison from a living, not investment, lens.
• Renovating a landed home: the URA and BCA approval processWhich authority approves what for landed home additions and alterations in Singapore, from URA planning permission to BCA structural and building plan approval.
• Sentosa Cove: where foreigners can buy landed propertySentosa Cove is the only place a foreigner can buy landed property in Singapore, subject to Land Authority approval, the 60% ABSD, and market reality.
• Singapore Shophouse Investment: Heritage Units as the Ultimate Hard AssetWhy conservation shophouses sit outside Singapore's ABSD framework, how the dual income model works, what URA conservation rules cost, and who this suits.
• Singapore GCB guide: what Good Class Bungalows really cost (who can buy one)Good Class Bungalow rules in Singapore: 39 GCB areas, 1,400 sqm minimum plot, site coverage, SLA approval, stamp duty, property tax and loan limits.

Buying with others and special cases (19)

• Buy property under company Singapore: the HNW investor's honest guideSingapore company property purchase: 65% entity ABSD, financing hurdles, and when it actually makes sense. An honest guide for HNW investors.
• Buying Property as an Unmarried Couple in Singapore: ABSD, Ownership, and What Changes After MarriageYes, private property has no marriage requirement. Each buyer's ABSD is assessed individually, and joint or one name ownership affects a later second purchase.
• Buying a property that already has a tenantWhat it means to buy a Singapore property with a sitting tenant: how you inherit the tenancy, the lease's binding effect, and the due diligence.
• Buying property with a sibling or parent: a co-ownership guideA practical guide to co-owning Singapore property with a sibling or parent: ABSD count implications, manner of holding, financing, and exit.
• Buying Singapore property from overseas: a remote buyer's guideHow to buy Singapore property from overseas: remote viewings, power of attorney, remote conveyancing, financing without being onshore. Winfred Quek.
• Buying property under construction: progressive payment risksBUC loan in Singapore explained: how the Progressive Payment Scheme draws the loan in stages, build delay risk and interest during construction.
• Can I own HDB and condo at the same time in Singapore? (2026 rules)Owning an HDB flat and a private condo in Singapore: the 5 year MOP, 20% ABSD for a Singapore Citizen. Sourced from official Singapore rules.
• Co Borrower Financing: Joint Mortgages ExplainedAdding a co borrower raises your borrowing power but also your liability. How income weighted average age shapes loan tenure, and when it helps.
• Joint Tenancy or Tenancy in Common for Co InvestorsBuying property with a partner or friend? Joint tenancy and tenancy in common differ on ABSD, succession and exit. Here is how Singapore treats each.
• What to do when a co-owner refuses to sellA co-owner refuses to sell your Singapore property? Here are the real options: negotiate, buy out their share, or apply to court for an order for sale.
• Can Employment Pass Holders Buy a Condo in SingaporeEmployment Pass holders are treated as foreigners for property. What that means for ABSD, HDB, landed homes and financing, and when buying beats renting.
• JBSP Mortgage Singapore: How Parents Help Children Buy Without OwningJoint Borrower Sole Proprietor (JBSP) mortgage in Singapore: how it works, ABSD implications, TDSR boosting, CPF rules, and when it makes sense.
• What happens to the mortgage when one co-borrower wants outRemoving a co-borrower from a Singapore home loan when unmarried co-buyers or friends split up: the refinancing requirement and the remaining borrower's standalone TDSR test.
• Joint Tenancy vs Tenancy in Common SingaporeJoint tenancy: the survivor inherits automatically. Tenancy in common: each owner holds a defined share, like 50/50 or 99/1, that can be willed.
• Can a Long Term Visit Pass Holder Buy PropertyA Long Term Visit Pass holder is a foreigner for property: 60% ABSD buying alone, no HDB ownership. A joint purchase with a citizen spouse may get remission.
• One Big Property or Two Smaller Ones? The Singapore Wealth MathShould Singapore property owners concentrate wealth in one premium property or split into two? A data driven comparison of total returns, ABSD.
• Property Under One Name vs Joint Name: What Singapore Couples Get WrongShould Singapore couples put their property under one name or joint names? Understand the ABSD, CPF, TDSR and estate planning implications before you decide.
• Second Property Financing: ABSD, LTV and Cash NeededCitizens pay 20 percent ABSD on a second home, PRs pay 30 percent, and the loan to value cap drops to 45 percent. Here is the real cash stack you need.
• How to Hold 3 Singapore Properties Legally: Ownership Structures and ABSD MathHow a Singapore couple can hold three properties without hitting the 30% ABSD tier: sole name sequencing, TDSR and LTV limits, and IRAS scrutiny.

Using an agent when you buy (5)

• What a buyer's agent checks before you commit to a unitWhat a Singapore property agent checks before you commit: unauthorised renovations, arrears signals, and the caveat emptor risk a solo resale buyer can miss.
• How buyer agent commissions work in Singapore, and what you can askHow buyer agent commissions work in Singapore: who pays, common practice ranges, co broke splits, and why you can ask your agent about fees openly.
• How agent negotiation saves Singapore buyers real moneyHow a Singapore buyer's agent negotiates with data, reads seller motivation, and structures an offer, and why resale buyers usually pay the agent nothing.
• The work a good agent still does after you collect your keysWhat a Singapore property agent still helps with after completion: defect handover, the MOP and SSD clocks, mortgage lock in, and CPF refund timing explained.
• What Singapore property agents see before you doSingapore property agents see co broke listings and professional data buyers do not. What real market access looks like and why it matters when you buy.

Key terms (12)

• Option to PurchaseThe Option to Purchase, OTP, is the first binding legal document in a Singapore property transaction.
• Sale and Purchase AgreementThe Sale and Purchase Agreement, or S&P, is the formal contract a developer issues after a buyer exercises the Option to Purchase on a new launch unit, setting out the price, the unit description and the payment schedule both sides are bound to.
• CCR, RCR, OCRCCR, RCR and OCR divide Singapore's private property market into three zones.
• Strata TitleStrata title is a form of property ownership where you hold exclusive title to your individual unit, together with an undivided common share in the development's shared land and facilities, and it is what creates the MCST and its by laws in the first place.
• MCSTMCST, Management Corporation Strata Title, is the body that governs a condominium or strata landed development's common property once it is formed.
• Sinking FundA sinking fund is the long term capital reserve every MCST collects alongside monthly maintenance fees, set aside for major repairs and replacements the building will eventually need, such as repainting, lift overhauls, and roof waterproofing, rather than day to day upkeep.
• Freehold versus a 999 year leaseFreehold and a 999 year lease are both effectively perpetual in practical terms, since 999 years is far beyond any realistic holding period or lending horizon, unlike the far more common 99 year lease which decays measurably in value as the term shortens.
• CaveatA caveat is a notice lodged against a property title to protect an interest in that property.
• Title search and requisitionsA title search pulls the official record for a property from the Singapore Land Authority to confirm the registered owner and reveal any mortgages, caveats, or other encumbrances.
• Maintenance FeeThe maintenance fee, formally the management fund contribution, is the recurring charge every strata unit owner pays the MCST to run the development's day to day common property, distinct from the sinking fund which covers big ticket future repairs.
• PSFPSF, Per Square Foot, is the standard unit for quoting Singapore property prices, calculated as the transacted or asking price divided by the unit's floor area in square feet.
• En blocEn bloc, or collective sale, is when the owners of an entire condominium development sell the whole property together to a developer for redevelopment.

Tools and references for this topic

More topics

• Buying an HDB Flat
• Selling Your Home
• New Launch Condos
• Stamp Duty, ABSD and Property Tax
• Home Loans, SORA and Refinancing
• CPF for Housing
• Renting and Landlords
• All insights

Sources & References

Figures and rules in these guides come from the official Singapore sources below. Check the current rule with the agency before you act.

• IRAS: stamp duty when buying or acquiring property
• MAS: loan tenure and loan to value limits
• URA: private residential property data
• Singapore Land Authority: property ownership