Singapore Property Blog
Our Thoughts and Opinions
Short, useful posts for sellers, upgraders, and buyers in Singapore. No fluff — just steady steps you can act on.
Need a second opinion on your situation?
WhatsApp Rick — reply within 24 hours.
Upgrade HDB to Condo With Zero Cash: Check These Numbers First
The “$0 upgrade” mechanic is real — your HDB sale proceeds and CPF refund can fund the next home, and for many households it genuinely works. This guide traces where the money comes from, which costs still need cash along the way, and how to check whether your own numbers support it before you commit.
HDB Contra (ECF) Explained 2026: How to Sell and Buy an HDB Flat at the Same Time
Selling one HDB flat while buying another? The Enhanced Contra Facility routes your sale proceeds and CPF refund straight into your next purchase. Here’s the 2026 guide — rules, timeline, worked numbers, and the failure modes nobody covers.
Bala’s Curve: How Leasehold Value Decays in Singapore — and How toTell If a Price Has Overpaid
A sourced guide to SLA’s Leasehold Table — how leasehold valuedecays in Singapore, why a leasehold can rise before it falls, and how to tell if a pricehas already paid for a future that may not arrive.
Progressive Payment Scheme Singapore: Calculator & Guide 2026
The Progressive Payment Scheme lets you pay for a new-launch condo in stages as it is built, with your loan drawing down the same way. Here is the full schedule, the CPF and stamp-duty timing, and how upgraders should think about ABSD.
Jurong Lake District Property: A Buyer’s Reality Check
The “second CBD” is a story until it’s built. Here’s what’s confirmed, how to judge the price, and who JLD actually suits — minus the hype.
How to Spot an Undervalued Property in Singapore
Not all cheap properties are undervalued, and not all undervalued ones are cheap. Here’s the VALUE Lens framework — and the value traps to avoid — before you make an offer.
How to Choose the Right Property in Singapore: A Buyer’s Framework for Looking Beyond Price
Most buyers judge a home on price or a score. The Right Fit Framework judges the fit — across the Property, the Numbers, the Life and the Exit.
Understanding Growth Plans For Singapore Investment Property
One of the key studies I rely on for my analysis of potential growth is the URA Master Plan – Lets take a look today on what to look out for.
Can I Afford to Upgrade to a Condo or EC?
Wondering if you can afford to upgrade from HDB to a condo or EC in Singapore? Map your sale proceeds, CPF refund, loan range and monthly comfort before you decide.
What My Clients Say | Genuine Experiences
Real stories, real experiences—because your journey deserves nothing less than the best.
Hi, I’m Rick Long
With decades of experience in Singapore’s real estate market, I’ve had the privilege of being mentioned in media outlets such as Channel NewsAsia, The Straits Times, and 99.co.
Over the years, I’ve written extensively on the local property landscape — tackling the real questions buyers and sellers face, and helping them navigate each step with greater clarity and confidence.
Many of my clients have become long-time friends — their trust and kind reviews continue to inspire me to raise the bar in everything I do.
I believe real estate should be strategic, seamless, and deeply aligned with your life’s journey.