Home Advisor Singapore

02/04/2026

This is why I do not usually recommend HDBs. Because when prices fall, HDB is the first to drop.

As I have always said, Public Housing is a political vehicle, private is an investment vehicle.

And the news isn’t even painting the full picture. As of 2025, Central Area prices, Ang Mo Kio, and Toa Payoh resale HDBs have all fallen at least 7%,

What’s even worse is that HDBs may be dropping even further later this year. With oil, gas and fertiliser all lacking due to the Iran War, the less well off will struggle disproportionately to the rich.

That’s because the rich spends 10% of their income on groceries and utilities. If prices double they spend 20%.

The poor spends 30%. When it doubles it’s 60%.

That leaves most HDB owners barely enough to pay their mortgage. Or anything else really.

Still, owning a hdb is better than owning nothing at all.

31/03/2026

Which one would you pick, A or B?

An investment that cannot go down, or one that would likely rise but is turbulent like a roller coaster?

Which one lets you sleep at night?

Hi Everyone, I think there is something we can all agree on today – that almost all we own today is price volatile.

Nothing seems worth holding onto, not even government bonds or gold. Inflation threatens bonds, War threatens everything else.

In the short term, nothing is guaranteed. In the long term, your AI, gold or energy bet may come a lot later than you think, even if you have the appetite to hold onto it.

What do you do then? How do you come out of such a situation a with a “sure-win”? Better yet, how do you come out of this situation with a HUGE “sure win”?

The Answer: You flip the rules of the game. Go long on something the cannot drop, that everyone needs and desire. Singaporean private property. Condos, Landed, Industrial, Offices and Shophouses.

Why so? There are THREE things that we know are happening, and will be worse as 2026 goes on. The first is that Oil is going to be kept at a high price, because refineries are hit and will take years to function fully again. The second is that A LOT of Dubai safe heaven money is flowing into Singapore, and the third is that global tensions between nations are growing, with evermore trade disputes and military conflicts happening weekly.

What does this mean? This simply means that Singaporean property is *NOT* going to go down, for a really long time. With oil prices remaining elevated, construction costs can only go up as it costs more to transport building materials to worksites.

It’s a worldwide problem and I’ve even attached price increases in projects both in Singapore and overseas. Plus, with only half the number of projects being launched this year as compared to last year, housing supply is as tight as it was during COVID. This is year 2020 repeating itself just based on reason number one alone.
And we know that because of increased building costs, developers CANNOT afford for prices to go down, regardless of how the economy is doing.

The Singapore government itself is the biggest developer, owning the most land with the very net worth of Singapore tied to the land. And the government has legal powers to ensure prices are always gradually, but steadily on the rise, forever. (tax, ownership laws, developmental plans for example).

So again, just based on increased transportation costs because all tankers use oil, we have elevated construction costs which lead to elevated property prices in a tight supply market. This is regardless of what will happen worldwide, and is already happening NOW. Just as a reference, after COVID, prices increased 30+% for my recommended projects and nearly 20% on average for everything else.

Now, when we add geopolitical tension and actual war into the equation, we get people fleeing their money from Dubai, Saudi, Taiwan, UK and US and directly into Singapore. This means increased demand. This means tens to hundreds of millions PER BUYER coming into Singapore. This means more businesses will open in Singapore as we are an oasis of predictability and stability along a major trade route.

Singaporeans are rich, with our top 20% having S$5.3m on average, but we aren’t as rich as the world’s top 1%. This new demand will propel all existing *quality* new/resale condos, industrial, commercial properties out of the water as this hot money seeks safety, not growth.

So, we know property prices here CANNOT go down, and demand is going to go up with limited supply. We know that Singaporean property lets you borrow 4 times your downpayment. We know that interest rates can be locked down for multiple years to give certainty. We know that these properties can pay us rent while we see prices rise.

We know that Singaporean property is chart A, while everything else is chart B.

So which would you choose? A or B? Like for A, Heart for B!

30/03/2026

Hi Everyone,

How are you today? I'm here to give you an interesting piece of news - we are on the cusp on repeating a very profitable and proven scenario all over again this year!

What am I talking about? I'm talking about COVID. 6 years ago, when COVID hit, transport was stuck and inflation shot up. Happily, property appreciated more than inflation and those who owned property were delighted. Many of my friends and clients profited insane six to seven figures in a matter of months, a more than 100% ROI on their downpayments.

Today, oil prices threaten to derail the entire transport system, and at best will cause transportation to cost significantly more as bombed refineries take years to function fully again. Because while houses, offices and even cars can change to grid electricity, cargo ships and trucks still run on oil.

Back then, I shared why you need to put in your money in property, because it is the ONLY need that also serves as an investment. Today, that same fact holds true again. Singapore still imports near 100% of all construction materials, and the cost of transporting them in the coming months will be at the highest ever.

This means and new BTO, and new launch, must increase in prices significantly just to cover costs.

But one class of property in particular, appreciated far more than the rest - Condos and Landed that are meant for own stay. Look at these launches in 2020:

Treasure at Tampines: $1280 psf to $1780 psf (39% up)
Penrose: $1600psf to $2144 psf (34% up)
Clavon: $1640 psf to $2102 psf (28.1% up)

versus

The M: $2450 psf to $2506 psf (2.3% up).

And you know what I mean.

So over these two weeks, both Rivelle EC and Pinery achieved more than 92% sold, and at record PSF prices. Contrary to being overpriced, I think these prices are underpriced and they will earn significantly 5 years down the road. Why? Rivelle is 100% for own stay, Pinery buyers have more than 80% for own stay.

How do you capitalise on this? Capture projects or even resale units at Thomson View, Tengah Gardens, Dunearn Road and Woodlands South. Even existing launches like 8@BT and Continiuum will do well.

Follow me and contact me for personal advice that you can use to win the upcoming inflation, and not be swallowed by it.

13/02/2026

Definitely endorsing this one! River Modern.

Shopping- right across
Transport - MRT doorstep
Employment - less than 20 to CBD
Parks and recreation - facing Singapore River, a nice jog to Merlion Park
Schools - don’t have.

Score: 4/5.

Perks: by Guocoland, my fav developer currently for layout and quality. Full facilities, and stunning landscaping and river views.

11/02/2026

Property market is going to surge.

So recently, a slew of news came up in Singapore, that indicates the rich in Singapore are getting richer. While most will dismiss this as wealth inequality news that is some sort of societal governmental problem.; The truth is that the rich are getting richer, through property investment , ownership, and are looking to expand property investment further.

In simple terms, buy private property, join them, if you want to profit easily in the upcoming years. Avoid Hdb if you can, but buy them if you can’t afford to buy anything else.

Let me break it down for you.

“Graduates earn on average, $9700/month, and they make up 47% of the workforce.” This means that there are 47% of people who can actively purchase properties that are more than one $1.3m and above solely in their name alone.

“ Median household income crosses $12k/monthly for the first time” this means that an average household in Singapore can purchase up to $1.6 million in private property, but only $950k in HDB. $1.6m I can still buy plenty of 1100-1400 sq ft private condos near mrt. $950k HDB I barely can afford Bidadari 3 room flat. HDB is severely overpriced relative to condos.

“Wealth inequality is higher than income inequality” and with so many Singaporeans owning Property, those that own private are gaining more wealth than those who own HDBs. This is even with HDBs being overpriced today.

“Top 20% of Singaporean households hold average wealth of $5.3m” Landed households make up ~5% of singaporean households, meaning a massive 15% can be in big, top location condos.

Summary: Most Singaporeans are rich and getting richer, most of the rich Singaporeans made their wealth through PRIVATE property, HDBs are overpriced for even the average singaporean, and thus you should buy Private properties to tap on this proven wealth track.

And there is no need to be envious, or concerned about wealth inequality. Upgrade yourself to a degree if you don’t have one yet, any buy private property!

06/02/2026

Yesterday Gold slid down, Stocks tumbled, Silver crashed and Bitcoin was obliterated.

Private property in Singapore? All time high.

Before we go on further, I would appreciate a like,share and a comment for all who ask me for advice and retweet me. I am trying to spread financial education as a life goal to help people. Thanks!

So, what happened!?! Why are the rich moving into landed and high end condos now? Why are they spending maximum anounts they can to buy the highest quality possible?

How did they know what to do?

[The answer: Do not go against governments, go with the flow instead.]

The rich’s motivation is the same as you. They see global instability, they pulled out from stocks and crypto, piled into gold and silver, but property was always their final goal. Property lets them maximise their wealth, cashflow, and quality of life all in one stroke.

Right now we know the world is not going back to what it was before. It’s not a blip, because when countries sign agreements with each other such as EU-India, China-Africa, Canada-China, EU-China, they are commitments for decades. When USA do not sign these agreements anymore, it also moves USA to increasing irrelevancy.

In fact, after WW2, it was agreements like these with the USA that built the current world for almost 80 years. You know them as the Truman Doctrine, Marshall Plans, Lend Lease, World Bank, IMF. The collapsing of these old agreements are what is causing the current instability.

Hence, we all saw and experienced the same as the rich. Yet they knew to pile into property. Why? Four reasons.

First, property lets them multiply their investments by 4. $1 million in the bank lets you buy $4 million in property. And housing margins are unlikely to drop much. When SG decreased loan margins it dropped from 80% to 75%. When COMEX decreased loan margins it dropped from 98% to 67%.

Second, you can live in a house. The general rule of thumb is when you buy a more expensive house you get a bigger, nicer location too. You cant eat shares, bitcoin or silver. Enjoy life while getting richer, literally.

Third, when property appreciates, you dont even need to sell the house. Private property allows you to refinance your profit, which gets you your gold,silver, shares and bitcoin back. Thats why more and more people are avoiding HDBs.

And lastly, it’s time. Property needs years to build, to cover taxes like SSD, and there were too many people speculating on gold and stocks and bitcoin. It’s time to rotate your money to property. Governments need silver. They are buying rare earth companies. Stockpiling BTC. They want it cheap. They want you out, and you are playing in their system. How did you think that would end?

PM me, leave a message, and I’d tell you where to buy the propety that suits you the best, while making you richer.

For the entire 2025, 1,858 landed homes, excluding strata-titled landed homes, were sold. In comparison, 1,696 landed units were transacted in 2024 and 1,286 units changed hands in 2023.

05/02/2026

While most of Singapore is staring at gold and silver , the rich is quietly moving … into property.

But not all property. Only landed, and quality private property that is going to shelter them in the storm ahead. A home that will not only be fantastic to live in, but give them appreciation AND cashflow in the years ahead.

In short, this whole prediction is going to be about why private property, specifically landed and new launches, are going to outperform 3 years down the road, and why you need to be buying in 2026.

Writing this, I am going to seem to be deeply wrong in the next few months, but that is ok because property is minimally a 4 year commitment.

So, why the conflicting signals? Because we are in the eye of the storm. The Trump tariffs, China’s rare earths and silver restrictions, Venezuela’s coup, Israel’s war, Saudi economic failure and Iran’s oil was simply the first wave of instability.

2025 was the year of turmoil. But people are getting zoned out, fatigued from constant trauma. Countries are running low on political will and money. Lines have been drawn and sides are being chosen.

2026 is the year of preparation. Before a war there is preparation. Metals need to be stockpiled, data centres to be secured, weapons to be manufactured. Prices of these items need to be kept affordable and supply stable. Last year when governments and companies announced their intentions, prices skyrocketed.

This year they are securing the supply quietly. And without hype.

Let the prices fall and investment demand peter out.

But don’t forget, in 1-3 years, the worst part of the storm is coming. It will make the tariffs and the Palestine issue seem trivial.

That’s when everyone scramble to flee to safe havens, places where work and safety is guaranteed. That’s when top end property will do well in places like Singapore.

That’s why and where the rich are positioning themselves today.

At UOB’s headquarters, Singapore’s only bank selling physical gold, buyers crowd a lounge for bullion trades Read more at The Business Times.

02/02/2026

"I am unromantic in what I do, but I am very romantic in why I do it."

Hi everyone, so the wife highlighted this article to me, stating how the PLB affair was expected as property agents are shady and slimy. (By Edgeprop, a property news portal that gets its revenue from shady and slimy agents, no less.)

And I just wanted to share why I chose property, and if given the choice, I will do it all over again.

Being a property agent, a property analyst, isn't a romantic job. Its long hours, it burns your weekends, you need money to market yourself, just to do a sales job with no fixed salary and no CPF.

But when you do it right, you get to genuinely help people. The excitable young couple that can barely buy their first home, the late 30s single trying to secure their future, the worried parents doing all they can for their children, the retiree hoping to retire with dignity though a downgrade. These people aren't just buying a home, they are trusting me with their future. And I stand for this purpose every day.

Of course the industry is full of less desirable people that are out to make a quick buck, painting everything as amazing, all the time. That was why I joined in the first place. Back in 2011, the landscape was even scummier than now, with agents multi representing and mis representing everywhere.

I saw the common people being fleeced and joined the industry while still in uni, despite having the opportunity to read law, despite being offered to work at DBS.

So yea, there are horrible people everywhere, but choose who you want to be, who you want to work with, and build a better future, together.

https://sg.yahoo.com/news/beyond-plb-saga-trust-perception-082132148.html

03/10/2025

Had some spare time today, and would like to share some property insights.

TL;DR: Smart buyers are grabbing resale ECs, new launches over resale HDBs, as interest rates fall. New Resale HDBs are also severely overpriced, far from MRT and too small to live long term. Hence the property market is shifting - top quality new condo living or big spaces with potential at same downpayments, but without HDBs restrictions.

Hi everyone, had some time off today so I thought I'd address some news happening in property. Resale HDBs are falling in prices and rents, while new launches and resale are picking up steam. Why?

1) Interest rates are falling, and likely to continue to fall. 2.8% in jan 2025 has dropped to 1.4% in Sept 2025. This means a $1m budget buyer (35 to 40 year old, $7.5k a month income, the average buyer) can now buy $1.3m to $1.4m instead, with similar installments. Downpayments isn't an issue. By the time you're 35 you have $250k sitting in your CPF anyway. But why wouldn't ALL property types rise? Because,

2) the economy is in flux. USA to China, everything is in limbo. Job openings are there but no one seems to respond to your LinkedIn. However, do not forget that at above 35, buyers aren't junior execs. Likely it will be that buyers can hold on to their position for quite awhile more, but want to make low budget, high value purchases.

3) Which is why they DO NOT buy resale HDBs. How is paying $800k to $1m for a 650/900 sq ft HDB worthwhile, when with the same income, similar CPF and cash, I can buy a $1.1 to $1.3m condo with 3 bedrooms at 1100 sq ft? That's the same age as that HDB? Near growth areas like woodlands, springleaf, canberra, CCK or even tampines? Forestville, Trilliant, Brownstone, inZ all spring to mind. Not to mention all the above condos are NEARER to MRT than their resale HDB counterparts while consistently appreciating $100k a year or more.

Heck, if I'm single/couple, my $1.3m budget can even buy me a brand new 1bedroom at Zyon Grand, where a can get a luxurious CDL development, Havelock MRT underground and a mall at my feet. Its 10 mins to Orchard, Marina, Great World and I can even go East Coast or Bukit Timah from the same MRT line if I want, and I STILL PAY THE SAME as a resale HDB.

For similar reasons of how condos make so much sense right now, is also the reason why landed has also dropped in popularity.

Let me know your thoughts down below if you agree with me!