Property Advice

We Have $1.2m In Cash/CPF And Own A Queenstown HDB: Should We Keep Our HDB Or Sell To Buy 2 Properties?

Hi Stacked homes, I am a regular reader of stacked homes and am reaching out in hope that you can give some good advice on investing in a property. My partner and I currently own a 4 room HDB in…

• 8 Mar 2024
• 8 min read
• 1

We Make $23k Per Month And Own A 29-Year-Old HDB: Should We Sell To Buy A Resale 3-Bedder Condo Or A Newer HDB Instead?

Dear Stacked Homes, Happy new year! We are a couple with combined income of $23k (41yo $16k, 29yo $7k), currently live in a 29yr old 4br hdb resale (mkt value abt $580k) under joint ownership, and has fulfilled the MOP….

• 1 Mar 2024
• 8 min read
• 0

How To Decide Between A New Launch Or Resale Condo (From A Floor Plan Perspective)

Trends change, and the condo market is nothing if not subject to trends. From squash courts to bay windows, many things have come and gone since the first condo was built in the 1970s. And whilst it’s common knowledge that…

• 29 Feb 2024
• 6 min read
• 0

Is 2024 The Right Time To Refinance Your Home Loan? Here’s What Homeowners Need To Consider

Home loan interest rates average around three per cent as of 2024, with many loan packages inching toward four per cent in later years (usually in the fourth year or thereafter). Along with the recent switch to SORA-based loans, many…

• 27 Feb 2024
• 6 min read
• 0

We Make $16k Per Month And Wish To Own 2 Properties: Should We Sell Our HDB Now And Buy 2 Condos Or Just Pay The ABSD?

Hi Stacked Homes, I’m an avid reader of stacked home article and subscriber of Stacked Youtube videos. I hope this email finds you well. =) Appreciate some advice on a property related issue that we are currently facing. Our situation…

• 23 Feb 2024
• 8 min read
• 2

Can You Afford To Upgrade To A Condo In 2024?

With Chinese New Year over, it’s house-hunting season again; but it’s no surprise that buyers are a little bewildered. If you’ve been away from the property scene for a few years, the prices today are nothing short of stunning –…

• 20 Feb 2024
• 7 min read
• 6

We Make $300k Per Year: Should We Buy An HDB Maisonette, Walk-Up Apartment Or A Condo?

Hi Stacked (Ryan), My housing situation is going to change in 2024- I am about to sell my 3BR BTO in Jan and upgrade to a bigger flat (open to either HDB 5rm/mansionette or condo) in the Beauty world area….

• 17 Feb 2024
• 11 min read
• 0

I’ve $500k In Cash Savings Looking For An Investment Condo In West Coast: Which Is Best For Rental And Capital Appreciation?

Hello Stacked Homes, I am a loyal reader of your articles as they are so informative to read, especially those pertaining to advice to readers. I would like to seek your advice regarding my situation and would like to hear…

• 9 Feb 2024
• 13 min read
• 2

We Have $1.5m In Cash And Make $680k Per Year: Should We Max Our Budget To Buy A 4 Bedder Condo Or A Smaller One?

Hello Ryan at Stacked, I absolutely love your advice column. Truly enlightening on how to navigate the property ownership journey.  Would greatly appreciate your practical and thorough wisdom on our investment/life situation.  We live in our 3BR condo, valued at…

• 2 Feb 2024
• 9 min read
• 6

Can You Still Afford To Upgrade To A Condo In 2024? Here’s A Reality Check For HDB Upgraders

The tried and true way of getting a condo is to start with an HDB BTO flat, save every penny you can, and eventually sell it for a tidy profit and move up to a private condo; or at the…

• 2 Feb 2024
• 6 min read
• 4

A Penrose Condo Case Study: How to Price Your New Launch Sub Sale Unit Smartly

Have you ever heard of “sub sales” in real estate? These are transactions where a property is sold before it’s even completed, and they make up a surprisingly small portion of the market. This rarity often leads to many questions…

• 29 Jan 2024
• 8 min read
• 0

I’m A Single Mum Making $100k Per Year: Should I Wait To Buy A BTO Or Resale HDB?

Hello, I’ve been following stackedhomes for sometime now and find your posts both informative, interesting and enlightening! Would you be able to provide me with some advice or different perspectives for my housing plans? I am a 44-year old single…

• 26 Jan 2024
• 6 min read
• 0

We Make $290k Per Year And Own A 4-Room BTO: Should We Cash Out To Upgrade To A Resale Condo?

Hi there Happy 2024 in advance!  I have been a silent reader trying to gain bits and pieces of property $ wisdom from your blog (unfortunately I’m still struggling to make sense). So I wanted to seek advice on our…

• 19 Jan 2024
• 10 min read
• 0

Is Buying A $1 Million HDB A Mistake Or Should We Stick To A Less Convenient But Cheaper $600k HDB?

Hi there, I hope this email finds you well. The main reason I’m writing to you is to seek advice on a few pointers: My partner and I just decided to start sourcing for HDB resale flat given the fact…

• 12 Jan 2024
• 11 min read
• 0

We Make $14k Per Month And Have $350k Cash. Should We Buy Another Resale HDB Or Wait To Purchase A 2-Bedder Condo?

Help! We need advise! My husband and I bought our resale in April 2021. Some things to note here would be. To avoid absd and our eventual goal of 1 hdb + 1 private (of at least 2 bedder).  We…

• 5 Jan 2024
• 7 min read
• 0

9 Must-Know Tips To Design A Pet-Friendly Home In Singapore

As of 2022, Singapore’s total fertility rate was at a historic low of 1.05 average live births for each woman in her reproductive years. We’re a rapidly ageing population, and empty-nesters (married couples whose children have left) face two choices:…

• 3 Jan 2024
• 7 min read
• 0

I’m Single And Own A 1 Bedder Investment Condo In River Valley: Is It Better To Sell To Bigger Property Further Away Or A Resale HDB?

Hi,  It is me again. You have kindly given me valuable insights in 2021 and now being in a dilemma again, I decided to write to you.  I have been following private residential property news (including stacked homes) and I…

• 29 Dec 2023
• 10 min read
• 0

We Make $19k Per Month. Should We Decouple Our EC To Buy 2 Properties For Investment?

Hi It was an interesting article on decoupling. But I’m still a little confused on the math. Don’t mind me asking. Potentially we are also looking at decoupling our present EC ( over MOP) value 1.4 mil about  My wife…

• 22 Dec 2023
• 7 min read
• 3