![3 bedroom old new](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/10/31183502/3-bedroom-old-new.jpg)
FOR FIRST-TIME HOME BUYERs
FOR FIRST-TIME HOME BUYERs
Here at Stacked, we’ve been getting lots of queries on the home buying process – especially from those who are looking to buy their first private condo. Naturally, that led to our decision to create an Ultimate Guide for first time home buyers.
![](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/07/15113353/first-time-home-buyer.png)
Singapore Property Market Background
![3 bedroom old new](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/10/31183502/3-bedroom-old-new.jpg)
![choa chu kang crescent 1](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/06/15114653/choa-chu-kang-crescent-1.jpg)
![national day rally](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/08/15105206/national-day-rally.jpg)
![Casa Clementi 87 Block Design](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/01/15140115/Casa-Clementi-87-Block-Design.jpg)
![Skyline @ Bukit Batok Block Design 7](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/12/15144825/Skyline-%40-Bukit-Batok-Block-Design-7.jpg)
![rising property prices](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/01/15184529/the-scotts-tower-view.jpg)
![hdb private homes 2020](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/01/15185949/hdb-private-homes-2020.jpg)
![singapore property market 2020](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/12/15190417/property-market-2020.png)
![people wearing mask singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/02/15212742/people-wearing-mask-singapore.jpg)
![singapore property market crash](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2018/09/16011911/shownen-kang-761957-unsplash-1.jpg)
![](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2018/07/16011930/Artboard-Copy-17-min.jpg)
Read more articles related to
Market Fundamentals
![twin vew showflat model](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/10/15200059/twin-vew-showflat-model.jpg)
![first time homebuyers](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/09/17184022/first-time-homebuyers.jpg)
![watertown condo water views](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/02/15183916/watertown-condo-water-view.jpg)
![loan curbs](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/08/15110236/the-hyde-condo-view.jpg)
![how to buy a condo step by step 28](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/05/15124338/how-to-buy-a-condo-step-by-step-28.jpg)
![Do HDB Flats On Lower Floors Have Poorer Resale Value](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/05/15124655/Do-HDB-Flats-On-Lower-Floors-Have-Poorer-Resale-Value.jpg)
![condo data misleading](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/04/15130727/condo-data-misleading.jpg)
![Segar 47 common area](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/04/15131222/Segar-47-common-area.jpg)
![house buying competition](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/04/15131449/house-buying-competition.jpeg)
![1953 condo building](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/09/15163731/1953-condo-building-3.jpg)
![freehold vs leasehold new launch condos](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/01/15134626/martin-modern-condo-design-4.jpg)
![private property first home](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/01/15134936/villa-marina-open-space.jpg)
![hdb lease zero](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/02/15184507/hdb-flats-singles.jpg)
![fed funds rate projection](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/02/15134340/fed-funds-rate-projection.jpg)
![mori condo 2 bedroom master bedroom 2](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/11/15151332/mori-condo-2-bedroom-master-bedroom-2.jpg)
![Principal Garden view 2](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/12/15144604/Principal-Garden-view-2.jpg)
![perfect ten 2 bedroom living](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/12/15143324/perfect-ten-2-bedroom-living-2.jpg)
![mori condo 2 bedroom common bedroom 1](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/11/15151130/mori-condo-2-bedroom-common-bedroom-1.jpg)
![The River Vista @ Kallang 68](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/12/15143052/The-River-Vista-%40-Kallang-68.jpg)
![Floor Level Appreciation](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/11/15153844/Floor-Level-Appreciation.jpg)
![jardin gardenvista](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/11/15153818/jardin-2.jpg)
![Landed Home Prices](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/09/15162408/Landed-Home-4.jpg)
![dairy farm residences 3 bedroom living](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/06/15172535/dairy-farm-residences-3-bedroom-living.jpg)
![bto resale gap](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/09/15163910/bto-resale-gap-23.jpg)
![buying at a peak](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/08/15164051/buying-at-a-peak.jpg)
![2013 property peak](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/07/15170213/the-interlace-jogging-track.jpg)
![one pearl bank 2 bedroom balcony planter](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/07/15171621/one-pearl-bank-2-bedroom-balcony-planter.jpg)
![fake developer websites](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/06/15171953/fake-real-copy.jpg)
![hot property market](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/09/15201652/amber-skye-penthouse-view.jpg)
![hot property market](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/04/15181434/irwell-hill-residences-showflat-model.jpg)
![midtown modern 1 bedroom living](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/03/15182923/midtown-modern-1-bedroom-living-2.jpg)
![midtown modern north east view](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/03/15182728/Midtown-Modern-North-East-facing-1.jpg)
![Developer pricing strategies](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/11/15193948/Developer-pricing-strategies.jpg)
![COV HDB](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/11/15194955/COV-hdb.jpg)
![shoebox units singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/11/15194958/shoebox-units.jpg)
![mass market condos](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/10/15200334/demand-supply.jpg)
![ura masterplan](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/10/15200703/URA-1.jpg)
![resale hdb flat](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/09/15201205/bishan-hdb-blocks.jpg)
![bto flat](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/09/15201326/BTO-flat.jpg)
![property peak](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/09/15202030/property-cycle.jpg)
![hdb bto](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/09/15202250/hdb-bto-1.jpg)
![buying property in singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/07/15204556/the-scotts-tower-deck.jpg)
![best stack](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/07/15204653/best-stacks.jpg)
![cut out Property Agent](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/07/15205309/cut-out-middleman.jpg)
![Ola EC showflat](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/03/15212639/ola-ec-showflat-1.jpg)
![floor plan singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/06/15205649/floor-plan-singapore-1.jpg)
![developer payment scheme](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/06/15210114/developer-payment-scheme.jpg)
![midtown modern north east view](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/03/15182728/Midtown-Modern-North-East-facing-1.jpg)
![2 bedroom dual key condo floorpan](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/04/15211014/DK-2.jpg)
![undervalued property](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/04/15211209/undervalued-property.jpg)
![freehold vs leasehold](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/03/15212213/freehold-leasehold.jpg)
![leasehold property vs freehold property](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/03/15212340/leasehold-property.jpg)
![singapore property cycle](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/02/15212925/property-cycle-1.jpg)
![vivocity](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2019/12/15215445/vivocity-scaled.jpg)
![singapore integrated developments](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2019/11/15220216/chuttersnap-H0lc92GUJbE-unsplash-1-scaled.jpg)
![PSF](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2019/10/15222844/IMG_0213-1-1-1360x1020-1.jpg)
![](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2018/02/16014236/Screen-Shot-2018-02-08-at-6.29.51-PM.jpg)
![99 year leasehold](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2017/10/16005959/neonbrand-304490-unsplash-1-min.jpg)
![first time condo buyer](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2017/10/16020708/Artboard-1.jpg)
![](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2017/09/16021159/Condo-price-min-1.jpg)
Rules & Regulations
![South Beach residences penthouse living room](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/01/15184940/south-beach-residences-penthouse-2-living-3.jpg)
![cpf guide property](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/05/15175030/alex-residences-14th-floor-view.jpg)
![foreign spouse singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/05/15175529/foreign-spouse-singapore.jpg)
![new launch balloting process](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/02/15183939/new-launch-balloting-process.jpg)
![Penrose showflat model](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/09/15201313/penrose-showflat-model.jpg)
![foreigners buying property in singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/08/15202624/foreign-buying-singapore.jpg)
![property tax singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/08/15202730/property-tax-singapore.jpg)
![new condo timeline](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/06/15205535/jadescape-condo-showflat-model.jpg)
![condo progressive payment](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2019/03/16004131/chuttersnap-1111549-unsplash-1-1.jpg)
![HDB conservancy charges](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2018/08/16011925/nathan-oh-465508-unsplash-2-1.jpg)
![](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2018/07/16011928/Artboard-Copy-16-min.jpg)
![](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2018/07/16005945/rawpixel-586673-unsplash-2.jpg)
![3 tips you need to know cpf buy your hdb](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2017/07/16005928/3_2x-min.jpg)
Read more articles related to
Financing Your First Home
Read more articles related to
Choosing The Right Type Of Home
![Alkaff Oasis 155 blocks](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/05/15122005/Alkaff-Oasis-155-blocks.jpg)
![tagore lane landed](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2022/01/15134957/tagore-lane-landed.jpg)
![provence residences](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/08/15164719/newly-mop-ec.jpg)
![resale vs new launch](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/06/15172120/Dairy-Farm-vs-Skywoods-3br-comparison.jpg)
![hdb terrace house](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/06/15171924/hdb-terrace.jpg)
![3gen resale flat skyterrace](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/06/15172121/3gen-resale-flat-skyterrace.jpg)
![new condos 2021](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/06/15172208/new-condos-2021.jpg)
![nyon condo shoebox unit 1 bedroom dining](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/12/15191048/nyon-condo-1-bedroom-dining.jpg)
![landed homes singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2021/01/15185553/landed-homes.jpg)
![bullion park outdoor grounds](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/03/15212247/bullion-park-outdoor-grounds.jpg)
![resale flat vs new launch](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/07/15204658/resale-flat-vs-new-launch.jpg)
![cluster house](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/07/15204858/cluster-watten-entrance.jpg)
![walk-up apartments Tiong Bahru](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/07/15204917/walk-up-tiong-bahru.jpg)
![dual-key unit](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/06/15205631/dual-key.jpg)
![shoebox unit](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/06/15205647/shoebox-singapore.jpg)
![trilight condo winding pool](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/01/15214333/trilight-condo-winding-pool.jpg)
![bullion park pool view](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/03/15212244/bullion-park-pool-view-2.jpg)
![the avenir 2 bedroom showflat model](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/02/15212752/the-avenir-2-bedroom-showflat-model-2-1.jpg)
![freehold leasehold condo](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/06/15210210/freehold-leasehold-condo-1.jpg)
![executive condo singapore](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2020/06/15210226/ec-vs-condo.jpg)
![hdb resale new launch](https://stacked-editorial.sgp1.digitaloceanspaces.com/editorial/wp-content/uploads/2019/12/15215051/hdb-resale-condo-dark-scaled.jpg)
Read more articles related to
Choosing The Right Unit
Case Studies With Stacked
Read more articles related to