Property Intelligence · 16 deep-dives

The data most agents
don't show you.

Real Singapore transaction data — GDP cycles, condo absorption, net yield, the policy timeline. The reasoning we run before every recommendation. No fluff, no sales spin.

01Investor

Why Property Beats Stocks for Singapore Wealth-Builders

$600K in stocks gets you $600K of exposure. $600K in property controls a $2M+ asset — with CPF, rental income, and zero capital gains tax on top. The leverage advantage no equity market can match.

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02Overseas Investor

Singapore Property Tracks GDP — Every Crisis Is a Buying Window

Every Singapore recession since 1997 produced a 3–5 year appreciation window post-recovery. GDP per capita growth of 3.2% p.a. has historically predicted 4–6% property price appreciation. Land constraint + reserves = structural price floor.

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03First Home

The "Sell-Out Weekend" Playbook — What the Data Actually Shows

68% of "sell-out" launches still had units available 90 days later at the same price. The urgency is manufactured. Here's how to read the data and know when to act — and when to wait.

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04HDB Upgrader

The Government Shifted Housing Philosophy in 2014 — What It Means Now

Asset Appreciation Era (pre-2014) vs Ownership Stability Era (post-2014) are fundamentally different playbooks. Cooling measures broke velocity, not prices. The policy cycle is the edge most agents aren't selling you.

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05Investor

What the Condo Absorption Data Reveals About Where to Buy Next

RCR supply hasn't kept up with upgrader demand for 4 consecutive years. CCR demand stalls above $4,000 psf. 380 units across 6 projects where developers will blink in Q3 2026.

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06HDB Upgrader

What the HDB Resale Data Says About Your Flat's Real Value

4-room sellers are sitting on $200K+ equity most haven't calculated. And the new Standard / Plus / Prime framework quietly reshapes which flats stay liquid on resale. Location sets price; classification now sets the rules.

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07Citizens / PR

Landed in Singapore — The Scarcity Thesis Nobody Disputes

Landed supply mathematically cannot grow. The 65% foreigner ABSD permanently repriced landed as a local-first asset class in 2023. Yield is low — but the capital-preservation case is the strongest in Singapore property.

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08Overseas Investor

What Rental Yield Data Says Before You Commit to a Buy-to-Let

D14 leads at 4.3% gross — but high yield always comes with a reason. The 3.5–4% band is where income AND appreciation coexist. Gross yield is the starting number. Net yield decides whether you actually cashflow.

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09Investor

What the URA Master Plan Says About Which Districts Will Compound

Appreciation isn't luck — it tracks government-committed rail, jobs and land. We scored all 28 districts on the Master Plan. The top is Jurong (97), Tengah (94) and Woodlands (93) — not Orchard.

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10HDB Upgrader

New Launch vs Resale — The Lifecycle Math Behind Your Return

A new launch enters at the start of the price ramp; resale buys in after it. Add CPF accrued interest, progress-payment cashflow, and the exit-undercut problem — and the gap is wider than the sticker price. But resale still wins for some buyers.

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11Investor

Freehold vs Leasehold — What 25 Years of Price Data Actually Shows

Leasehold posts higher percentage gains than freehold across CCR, RCR and OCR since 2000 — but that's a base-effect trick, and the data window predates the part of the lease that bites. Yield vs capital preservation, decoded.

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12First Home

The 1km School Premium — What Top-Primary Proximity Does to Price

Homes within 1km of a popular primary school command measurable premiums — one project ran ~$524 psf above a comparable neighbour further out. But when a top school relocated, prices fell 8.5–12.2%. Real, and conditional.

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13Overseas Investor

Property Tax — The Holding Cost Most Investors Forget to Model

From 2025, a rented home is taxed 12% rising to 36% of Annual Value — every year, on top of ABSD at entry and the tightened 4-year SSD at exit. It compresses net yield directly, and the gross-yield headline hides it.

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14First Home

The Stress Test — Why a 1% SORA World Still Caps Your Loan at 4%

3-month SORA fell from ~3% to ~1.1% by mid-2026, fixed packages from ~1.35%. Your maximum loan didn't move. MAS floors affordability at 4% — so falling rates cut your monthly bill, not your budget. Here's what actually lifts your ceiling.

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15Investor

GFA Harmonisation — Why New Launches Got Smaller and Pricier

Since June 2023, the rules changed how saleable area is counted. Developers lost ~5–6% of sellable space, repriced land by ~$100–120 psf, and passed it on. Post-2023 launches are more efficient but cost more per foot.

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16Investor

Penthouse vs Normal Floor — The High-Floor Premium, Examined

Height sells, but it doesn't rent or resell proportionally. Penthouses carry view premiums and thin liquidity; normal floors carry deeper resale demand and usually higher yield. For pure return, the trophy unit rarely wins.

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16 deep-dives · showing all

Numbers over noise

The reasoning behind every deep-dive
runs on your numbers too.