Property Advice

Should You Make A Partial Prepayment On Your Home Loan In 2024? Here’s How To Decide

Over the last two or three years, home loan interest rates have been rising – and several homeowners have been warned about future refinancing options. Simply put, the era of low interest rates, which we saw from around 2008 to…

• 6 Aug 2024
• 6 min read
• 0

We Own A $1.5m DBSS And Have $300k In Cash: For Retirement Should We Sell To Buy A Condo For Rental Or Another HDB?

Hi Stacked Homes, My husband and I have been following your articles, and some of the advice is very insightful. Thank you for all the continuous great work to create awareness.  My husband is at retirement age at 65, and…

• 2 Aug 2024
• 9 min read
• 0

Is A New Launch Condo Really Better Than A Resale? We Debunk 5 Common Agent Sales Pitches

Perhaps it’s the higher commissions from new launch condos, or perhaps it’s a lack of availability. Still, some property agents are dead set on convincing you to stay away from resale condos. We’ve seen a lot more of this of…

• 1 Aug 2024
• 7 min read
• 0

We Own A Fully Paid 4-Room HDB And A 2 Bedder Condo: Should We Invest In A 3rd Property With 30% ABSD?

Hi, I am a subscriber to your Telegram – Stacked Homes and frequently read your well-written and in-depth articles. Understand you provide advice to people whom reached out and hence I am also doing the same. Appreciate if you could…

• 26 Jul 2024
• 9 min read
• 2

5 New Launch Condo Red Flags That Some Property Agents May Not Tell You

New launches are tricky, as everything exists on plans, in concept, or in a show flat that accentuates the good points and “hides” the not-so-good points. And whilst agents have a strong incentive not to lie (they have a license…

• 25 Jul 2024
• 6 min read
• 0

We Have $850k In Cash: Should We Invest In A Condo In The OCR/RCR Or T-Bills/Bonds/Fixed-Deposits?

Dear Stacked, Hope you and the team at Stacked has had a wonderful weekend. With reference to the response formulated by Stacked in Nov 2023, you will be pleased to know that we have finally settled our purchase of a…

• 19 Jul 2024
• 9 min read
• 4

How Much Do You Need To Comfortably Afford A 4/5-Room Resale HDB In 2024?

There are multiple scenarios why more couples have sought out resale flats as their housing solution in the last couple of years. Stricter BTO requirements (salary caps, one person must be Singaporean and the other be a PR), long waiting…

• 15 Jul 2024
• 9 min read
• 1

We Are In Our 60s And Own An HDB In Ang Mo Kio: Should We Downgrade To A 3-Room, Apply For A BTO, Or Buy An EC?

Hi Stacked Homes, I am a fan of Stacked homes and really love your analysis in helping the readers decide on their futures homes. I hope you can help me and my husband too on our next phase of life….

• 12 Jul 2024
• 13 min read
• 0

We Make $11k Per Month And Own A Newly-MOP Clementi HDB: Should We Upgrade To A Bigger Condo Or Buy 2 For Investment?

Dear Ryan I’ve been an avid follower of Stackedhomes and really enjoy the concise content dished out by you guys, please keep up the great work.  Currently I have a dilemma, my current details are as follows. We are currently…

• 5 Jul 2024
• 10 min read
• 2

How To Choose The Best HDB BTO Unit: An Ultimate Guide (With A Workable Checklist!)

Just the other day, I spoke to a friend who was fortunate enough to get a queue number for the October 2023 BTO launch.  While this was meant to be a joyous and momentous occasion, she was outright panicking on…

• 3 Jul 2024
• 13 min read
• 1

I’m 40 With Cash Savings Of $100k: Should I Decouple My Co-Owned Condo To Buy An HDB?

Dear StackedHomes, I have found your responses to audience queries incredibly helpful in understanding the Singapore property market, which can be complex due to varying individual circumstances. I would appreciate your advice on my current situation. I am 40 years…

• 21 Jun 2024
• 8 min read
• 1

I Have $1.5m In Cash But Don’t Own A Property: Should I Buy An HDB Or Condo In Bedok For Rental Income?

Hi,  Would like to seek your advice.  I would like to buy a property for rental income now, and in future capital appreciation/to stay.  Im currently staying with a friend and doesn’t need a place. In future, if I need…

• 14 Jun 2024
• 8 min read
• 0

Why Selling Your Own HDB Flat Isn’t As Easy As You Think: 7 Hidden Difficulties To Be Prepared For

A common misconception is that, when it comes to selling your own flat, the difficult part is the paperwork/transaction process. We don’t think so though – HDB has greatly simplified and streamlined these issues over the years, and with the…

• 8 Jun 2024
• 6 min read
• 0

We Own A 4-Bedder EC In Punggol: Should We Buy A Newer Condo Or An Executive HDB?

Hi! I have some questions about my current situation. Hopefully u can shed some light! House: punggol 4 bed EC 1,442 sq ft/bought 1.16mil/ valuation ~ 2Mil now. Outstanding loan 545k. Decoupled. I own 100% now. My CPF+ accrued ~…

• 7 Jun 2024
• 10 min read
• 1

Are You Single, Over 35 And House Hunting? Here’s How To Choose Between An HDB Or Condo

35 is an important year for a single Singaporean, as this is when you can buy your HDB flat; and with new rules on flat selection, you can buy anywhere in Singapore. If you’re in a position to afford a…

• 5 Jun 2024
• 6 min read
• 0

We Make $14k Per Month And Own A 57-Year-Old HDB: Should We Get A BTO, An EC, Or A Jumbo HDB?

Hi Stacked Homes, We have a unique situation on hand and would love to hear your thoughts on this. My husband and I own a 3 room HDB flat in a very mature estate in Commonwealth that is 57 years…

• 31 May 2024
• 8 min read
• 1

Should You Buy A 3 Or 4-Room HDB? Here Are Some Key Things To Consider Beyond Size

The most obvious difference between 3-room and 4-room flats is size: the former tends to be around 700 sq. ft., while the latter is usually around 960 sq. ft. (sometimes a bit bigger, especially for older flats). But there are…

• 28 May 2024
• 5 min read
• 0

We Own A 2 Bedder EC At The Vales: Should We Sell To Buy A Condo, Buy An HDB Or Rent?

Bought The Vales EC two bedder in 2017 at $650k. Outstanding loan of $400k at 1.5% interest rate at five year fixed which ends 2025 sep.  We now have a four year old daughter. So thinking of our options and…

• 24 May 2024
• 9 min read
• 0