Guides

How the numbers actually work

The four pieces of arithmetic that decide most property questions in Singapore, each worked through end to end. For these applied to real decisions, see the case studies.

Hold or sell7 min read Hold or sell: how to actually run the number The four numbers that settle it, in the order to take them, so you can see whether patience is paying you or costing you. Read the breakdown

CPF6 min read The CPF refund that shrinks your profit Why the 2.5 percent you owe yourself grows every year you hold, and how to work out your real proceeds before you sell. Read the breakdown

Stamp duty7 min read Decoupling, ABSD, and the next purchase When restructuring ownership saves you six figures, when it does not, and the timing that decides which. Read the breakdown

Returns6 min read Paper gain versus real return Your unit went up on paper. After stamp duty, interest and CPF, did you actually build wealth? Here is how to tell. Read the breakdown

Find out which of the four you are in

One conversation, your numbers, a straight answer at the end. Often that answer is to stay where you are.

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