| Affordability & holding power | Monthly instalment estimate, cash buffer, CPF usage, emergency reserves, interest-rate stress test and renovation or furnishing costs. | A buyer may qualify for a loan but still feel stretched if cash flow, CPF limits and future rate changes are not properly considered. |
| Loan rules | TDSR, MSR where applicable, loan tenure, loan-to-value limits, age and income treatment by financial institutions. | Loan eligibility can affect unit choice, downpayment, cash required and whether a purchase is sustainable. |
| Stamp duties | BSD, ABSD, buyer profile, ownership count, citizenship or residency status, trust or entity ownership considerations. | Stamp duties can materially affect entry cost and should be clarified before committing to a purchase. |
| URA data context | Recent transactions, developer sales, rental data, vacancy, supply pipeline and price index context. | Official market data helps buyers compare a project against broader market conditions instead of relying only on sales presentation. |
| BCA CONQUAS / quality references | Developer or builder construction-quality track record and BCA quality references where available. | Quality references provide an additional layer of due diligence, while recognising that no score can guarantee a defect-free future outcome. |
| Developer background | Past projects, delivery record, corporate background, construction partners and any official project information available. | Developer track record is one factor in risk awareness, especially when buying uncompleted property. |
| Exit realism | Future buyer pool, resale comparables, surrounding supply, rental assumptions, holding period and Seller’s Stamp Duty considerations. | A high entry price requires realistic assumptions about future resale demand, rental support and opportunity cost. |
