Services
OUR SERVICES
Personalised Advisory
We guide you through every setp with clarity and care.
- - First-time buyer & advice on HDB or private property
- - Right-sizing or upgrading plans
- - CPF usage guideand policy updates info
- - Ongoing market updates and consultation
Buy & Invest
Helping you find the right property - whether it's your first home or your next investment.
- - Property search and shortlisting
- - Showflat visits and project comparison
- - Investment planing, such as rental yield, appreciation or en bloc potential
- - Financing and grants advice
- - Smart upgrade or asset progression strategies
Sell and Lease
Maximise your property's potential with right strategy.
- - Accurate home valuation
- - Home staging, photos and listing on preferred property portals
- - Offer negotiations and deal closing
- - Handover coordination and landlord support
Quick Answers
Quick answers to the commonly property queries - all in one place
- Can I buy an HDB resale flat if I own private property?
No, you must sell your private property within 6 months of purchasing an HDB resale flat.
- What’s the difference between BTO and SBF (Sale of Balance Flats)?
BTO: New flats with 4-5 years wait. SBF: Ready-to-move-in unsold flats.
- What’s the minimum down payment for a private condo?
25% (5% cash, 20% CPF/Cash) for the first property. - Can foreigners buy landed property in Singapore?
Only with LDAU approval (Land Dealings Approval Unit), except in Sentosa Cove
- Can I use CPF to buy a commercial shop or office?
No, CPF cannot be used for commercial/industrial properties. - What’s the ABSD rate for commercial properties?
No ABSD for commercial/industrial properties (only for residential).
- Additional Buyer’s Stamp Duty (ABSD)
What’s the ABSD rate for Singaporeans buying a 2nd property?
20% (3rd property: 30%). PRs pay 25% on 2nd property. - Is ABSD refundable if I sell my first property later?
No, unless you’re a married couple decoupling (subject to conditions). - Seller’s Stamp Duty (SSD): If I sell my condo within 1 year, how much is SSD?
WEF 03/07/25 – 16% (1st year), decreases yearly (12%, 8%,4%). SSD applies only to residential properties sold within 4 years of purchase.
- Which districts in Singapore are the Prime areas?
D9 (Orchard, River Valley, Cairnhill) , D10(Tanglin, Bukit Timah, Holland Village), and 11(Newton, Thomson, Novena), the Downtown Core and Sentosa. - Are there any URA restrictions for Geylang (D14) properties?
Some odd-numbered Lorongs have special zoning rules—check URA guidelines. - Why are Sentosa Cove (D4) properties different?
Foreigners can buy without approval, but ABSD still applies.
- How do I appoint an exclusive agent for my property?
Sign an Exclusive Agency Agreement (valid 3 months). - Can I list with multiple agents at the same time?
Yes, it is possible to list with multiple agents simultaneously, although some advantage such as increased exposure, potentially higher offers and more feedbacks, but it’s generally not recommended due to potential drawbacks such as inconsistent information., price discrepancies, duplicate listings, communication challenges, potential for distrust, etc. - What’s the typical agent commission rate?
1-2% for sellers, 1-year lease = half month’s rent.
- What happens if I breach HDB’s Minimum Occupation Period (MOP)?
Forced sale, penalties, or blacklisting from future HDB purchases. - Is subletting an HDB flat illegal?
Only if without HDB approval or exceeding max allowed tenants. - Can I rent my house to a foreigner with Social visiting pass?
Yes, it is generally permissible to rent your house to a foreigner holding a valid Long-Term Social Visit Pass in Singapore. Foreigners with various long-term passes, including the Long-Term Visit Pass with validity of at least 6 months, are allowed to rent both HDB flats and private properties.
**Disclaimer:**
Information in this FAQ is based on the latest available data from URA and is for reference only. Please refer to the URA website for the most up-to-date and official details.