Delvin Goh

08/08/2026

S$9,800/month. That's the minimum income the bank wants to see before they'll hand you the keys to a S$1.5M condo.

Here's the math they run:
▪️Loan (75% LTV): S$1.125M
▪️Stress test: 4% over 30 years
▪️Monthly installment: S$5,371
▪️TDSR cap: 55%

And that's before any car loan or credit card commitment eats into your TDSR.

Want to run these numbers on your own situation before shortlisting units? DM me "PLAN" and we'll map it out together.

07/08/2026

What it takes to buy a Thomson new launch. Here's the math.

2-bedder at $1.7M, $425K down, qualifying income ~$11K/month.
3-bedder at $2.5M, $625K down, ~$16K/month.

The question I ask before any client buys isn't about the numbers. It's who buys this from me next?

Here the pool runs deep, families who want the school address, HDB upgraders from nearby, and landed right-sizers who want the mall and MRT within walking distance.

Comment "PLAN" and we can map it out together.

06/08/2026

A seller on a 6 month deadline loses negotiating power.

With the 15 month wait out period gone, right-sizers from condo to HDB now have two paths: sell first, or buy first and sell the condo within 6 months.

Buying first sounds better on paper. You move once, skip renting, hand over keys on your own schedule. But buyers know that deadline, and they offer less.

The question I ask before any client's right-sizing move: if we had to sell within 6 months, what price would it realistically fetch? Comfortable with that number? Buy first works. Not yet? Sell first is safer.

Comment "MOVE" and I'll send you my Condo Moving Guide.

04/08/2026

A $5M property pushes that to S$36,000/month household income.
Based on 75% LTV, 25-year tenure, 3% interest (Aug 2026).

Which bracket are you working toward? DM me "PLAN" and let's map your path there.

03/08/2026

Now that the 15-month wait-out period is gone, everyone is asking the same question: will HDB resale prices increase further?

My read is that the impact will be concentrated rather than market-wide.

Own a 5-room or executive flat in a mature town, and you now have a group of buyers who were previously locked out. That supports your selling price.

Own a 3-room flat in a non-mature town, and this change is unlikely to affect your price much.

Which flat you own decides whether this is your news, or just news. Full breakdown here:

The 15-month HDB wait-out period is gone, and the en bloc ABSD time...

03/08/2026

HDB resale prices just fell for 2 quarters in a row. First time in almost 7 years.

13,480 flats reached MOP this year, nearly double last year's 6,970. More supply is hitting the resale market.

If you're planning to upgrade, your flat may take longer to sell, but the private market is offering more choices with cheaper financing than it has in years.

Comment "MOVE" and I'll send you my Condo Moving Guide.

02/08/2026

Is the West really worse than the East?

Rating Singapore's West-side estates today: Jurong East lands a B, Chinese Garden gets an S, Woodlands stays in the A tier for me.

Which West-side neighbourhood do you think I underrated?

01/08/2026

Et tu Brutus (Is this how Caesar felt?)

01/08/2026

Most buyers stress about the entry price. The real risk is the exit.
Even if you buy cheap, if no one wants it when you sell, your cash is stuck for a year or longer waiting for the right offer.

Exit strategy is what separates a home from a liability.

DM me "PLAN" and let's map yours out before you commit.

30/07/2026

$17M for one condo. In one month.

Singapore's top 3 most expensive condo deals in July; the top end of the market is quietly still moving.

DM me "PLAN" if you're thinking about where your next move fits in this market.