Guides

What changed in 2026

• 23 Aug 2026HDB and EC household income ceilings raised, from 24 August 2026
• 23 Aug 2026From February 2027, first-timer families get an extra ballot chance for each Singapore Citizen child aged 18 and below
• 28 Jul 2026HDB removes the 15-month wait-out period for private property owners buying a resale flat without an HDB loan
• 8 May 2026Executive condominium scheme strengthened: 10-year MOP, 15-year privatisation, no Deferred Payment Scheme, 90% first-timer quota

The guides below use these figures. Every announcement, dated and linked →

• What it costs to buy, and what it costs to sellEvery duty, every lending rule and every cost that decides how much cash leaves your account, on the way in and on the way out.6 min read · updated 30 Sept 2026
• Buying an HDB flat: who qualifies, income ceilings, grants and the loanThe rules as they stand after the August 2026 income-ceiling rise: who can buy, what the grants are worth, and how the HDB loan and CPF work.5 min read · updated 30 Sept 2026
• New launch or resale: how the money movesNot which is better, but what each route asks of you and when: the steps, the timeline and the cash for an HDB resale, a private resale, an executive condominium and a new launch.3 min read · updated 30 Sept 2026
• Decoupling, the 99-1 line, and buying two homes from oneHow a couple can restructure ownership so one partner buys as a first-time owner, what it costs, and where IRAS draws the line between planning and avoidance.4 min read · updated 30 Sept 2026
• Renting a home out, and renting one: rules, costs and who pays whatWho may let a home, the shortest tenancy, tenant quotas and occupancy limits, and the costs on each side of the lease, from stamp duty to property tax.6 min read · updated 30 Sept 2026

Every guide is free to read in full. They explain how a rule works; running it against your own home, lease, CPF and timeline is what the calculators are for.