Journal笔记

Plain-English Singapore property guides说人话的新加坡房产指南

The questions clients ask before a viewing, reviewed by Ivan Chee (ERA, CEA R024683F).客户看房前会问的问题,由 Ivan Chee(ERA,CEA R024683F)审校

Financing Guide房贷指南 Home loan Singapore: HDB blocks and private condominium towers together at golden hour, a couple walking towards their new home
5 Oct 20262026 年 10 月 5 日 8-min read阅读约 8 分钟

Home loan Singapore: how much can you really borrow新加坡房屋贷款:你真正能借多少

TDSR 55% and MSR 30%, HDB loan vs bank loan, the 75% LTV cap, and a live borrowing-power estimator.TDSR 55% 与 MSR 30%、HDB 贷款与银行贷款对比、75% 贷款成数上限,以及一个实时借贷能力估算器。

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Guide指南 Property valuation Singapore: a valuer and a homeowner at the doorway of an HDB flat corridor in warm afternoon light
28 Sep 20262026 年 9 月 28 日 7-min read阅读约 7 分钟

Property valuation Singapore: how it really works新加坡物业估值:它真正是如何运作的

HDB's Request for Value, bank valuation for private property, why cash-over-valuation changed in 2014, and a price-vs-valuation gap calculator.HDB 估值申请流程、私宅银行估值、2014 年溢价现金(COV)制度的改变,以及成交价与估值差额计算器。

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Guide指南 Refinancing home loan Singapore: a home office desk with a laptop, calculator and condo keys in soft warm light
21 Sep 20262026 年 9 月 21 日 7-min read阅读约 7 分钟

Refinancing home loan Singapore: when it's worth it新加坡房贷转贷:什么时候真正划算

Lock-in penalties, legal/valuation subsidy clawbacks, refinancing vs repricing, and a savings calculator to test the real payback.锁定期罚款、律师费与估值补贴回扣、转贷与转套餐的区别,以及一个用于测算真实回本期的省钱计算器。

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Guide指南 En bloc Singapore: an older, well-maintained private condominium estate with mature rain trees at golden hour
14 Sep 20262026 年 9 月 14 日 7-min read阅读约 7 分钟

En bloc Singapore: how a collective sale really works新加坡集体出售(en bloc):它真正是如何进行的

The 80%/90% consent thresholds, the Strata Titles Board process, realistic timelines, and a live consent tracker.80%/90% 的同意门槛、产权局程序、现实的时间表,以及一个实时同意率追踪工具。

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EC GuideEC 指南 Executive condo eligibility Singapore: a young family walks through a park towards a modern condominium estate with HDB blocks in the distance at golden hour
7 Sep 20262026 年 9 月 7 日 7-min read阅读约 7 分钟

Executive condo eligibility in Singapore: the 2026 rules新加坡执行共管公寓(EC)购买资格:2026 年规则详解

The S$16,000 income ceiling, the schemes, the 30-month rule, CPF grants, the resale levy, and the new 10-year MOP, with an interactive eligibility checker.S$16,000 收入顶限、申请计划、30 个月私宅规则、公积金津贴、转售抽润,以及新的 10 年最低居住年限,附互动资格自测。

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Guide指南 Decoupling property Singapore: two sets of house keys on a wooden table with a Singapore condominium skyline through the window in warm light
31 Aug 20262026 年 8 月 31 日 7-min read阅读约 7 分钟

Decoupling property in Singapore: what it really costs新加坡房产除名:它的真实成本是多少

BSD on the transferred share, legal fees, CPF refunds with accrued interest, the SSD trap, HDB rules and the 99-to-1 crackdown, plus a live cost calculator.转让份额的 BSD、律师费、公积金连本带息退还、SSD 陷阱、组屋限制与 99 比 1 稽查,附实时成本计算器。

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Guide指南 Buying a second property in Singapore: private condominium balconies with lush planting at dusk, city skyline beyond
24 Aug 20262026 年 8 月 24 日 7-min read阅读约 7 分钟

Buying a second property in Singapore: the honest 2026 numbers在新加坡买第二套房:2026 年的真实数字

20% or 30% ABSD, the 45% loan cap, 25% cash minimum, CPF set-aside rules, a S$1.5M worked example, and an affordability checker.20% 或 30% 的 ABSD、45% 贷款上限、25% 现金下限、公积金预留规则、S$150 万算例,以及负担能力测算器。

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Guide指南 Property agent commission Singapore: tenancy papers, a house key and a calculator on a desk, with HDB blocks and condo towers beyond the window
19 Jul 20262026 年 7 月 19 日 6-min read阅读约 6 分钟

Property agent commission in Singapore: what is normal, who pays, and when新加坡房产经纪佣金:多少算正常,谁来付,何时付

No official rate exists: CEA says commission is negotiable. Sale and rental norms, GST, co-broking splits, and a live fee calculator.佣金没有官方标准:CEA 明确表示可协商。买卖与租赁行情、GST、合作分佣,以及实时佣金计算器。

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Guide · Choosing an agent指南 · 如何选经纪 Best property agent Singapore: a quiet HDB and condominium residential street lined with rain trees at golden hour
6 Jul 20262026 年 7 月 6 日 7-min read阅读约 7 分钟

How to choose the best property agent in Singapore如何挑选合适的新加坡房产经纪

The CEA register check, fair commission norms, fit signals, and a green-flag scorecard you can run in a minute.CEA 注册库核实、合理佣金、匹配信号,以及一分钟就能用的加分项评分表。

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Pillar · Tax & Duties主题专文 · 印花税 Marina Bay Sands and the Singapore CBD skyline at golden hour, reflecting in still bay water
16 May 20262026 年 5 月 16 日 9-min read阅读约 9 分钟

ABSD in Singapore 2026: the foreign buyer's complete guide2026 新加坡 ABSD:外国买家完整指南

The full 60% ABSD rate, who pays it, where remissions exist, worked out on a real S$2M condo.完整解读 60% ABSD:谁要交、哪些情况可减免,一套 S$2M 公寓实算。

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Comparison · Upper Thomson对比 · Upper Thomson Upper Thomson skyline at golden hour with Bright Hill Drive condos and MacRitchie forest canopy behind
29 May 20262026 年 5 月 29 日 7-min read阅读约 7 分钟

Thomson Reserve vs Thomson Three: Upper Thomson's two new launches, a decade apartThomson Reserve 对比 Thomson Three:Upper Thomson 的两个新盘,相隔十年

Tenure, MRT access, unit count, and the one timing question that usually decides between them.地契、地铁、单位数,以及通常决定胜负的那个“时机”问题。

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Cluster · 中国买家专题 · 中国买家 A residential street in Singapore's River Valley district at warm dusk, with shophouses, rain trees and a low-rise tropical condo
16 May 20262026 年 5 月 16 日 6-min read阅读约 6 分钟

How Chinese buyers can purchase property in Singapore (2026)2026 年中国买家如何在新加坡置业

The step-by-step process for a mainland passport-holder: what you can buy, financing, ABSD on a S$2M budget.中国大陆护照持有人的完整流程:能买什么、如何贷款、ABSD 对 S$2M 预算的影响。

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Ready to talk想要联系

Have a unit in mind?心里有套房?

WhatsApp the listing URL and what you're after. I'll tell you whether it's a fit, usually inside the hour.把房源链接 WhatsApp 给我,说明你的目标,我通常一小时内回你是否合适

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