Freddie Xu Property Advisory

29/07/2026

🚨 BIG NEWS FOR PRIVATE HOMEOWNERS

The 15-month wait-out period for eligible private homeowners buying an HDB resale flat has been removed.

This isn’t just another policy update—it could completely change your property plans.

Previously, many homeowners had to:
❌ Sell their private property
❌ Wait 15 months
❌ Rent a place during the waiting period
❌ Then only buy an HDB resale flat

Now, that waiting period has been removed.

For many homeowners, this means:
✅ Greater flexibility
✅ More housing choices
✅ The opportunity to unlock equity sooner
✅ Potentially lower monthly commitments

But here’s the important part…

This doesn’t mean everyone should rightsize.

The best decision depends on:
• How much equity you’ve built
• Your retirement goals
• Your monthly commitments
• CPF implications
• Stamp duties
• Your family’s lifestyle needs

A property decision should never be based on headlines alone—it should be based on your numbers.

If you’re a private homeowner wondering whether this policy changes your options, I’d be happy to do a personalised, no-obligation review of your situation.

Sometimes the best decision is to stay.

Sometimes rightsizing could significantly improve your financial flexibility.

The key is understanding your options before making a move.

📩 DM me “REVIEW” and let’s explore what makes the most sense for you.

⸻

HDB resale prices have fallen for two consecutive quarters since the start of the year.

19/06/2026

📍 Location doesn’t always equal better returns.

One property grew +22.73%.
Another grew only +2.56%.

The question isn’t whether your property went up.

The question is: Has it grown as much as it should have?

Comment “PEAK” if you’d like a complimentary Property Peak Assessment.

17/06/2026

Most homeowners track their property’s price.

Very few track where their property sits in the cycle.

A property can still be rising in value and yet be approaching its peak.

Which phase is your property in?

📈 Growth
⚠️ Peak
🔄 Recovery

Comment “PEAK” and I’ll send you my complimentary Property Peak Assessment Framework.

08/06/2026

𝗦𝗶𝗻𝗴𝗮𝗽𝗼𝗿𝗲 𝗵𝗼𝘂𝘀𝗲𝗵𝗼𝗹𝗱𝘀' 𝗻𝗲𝘁 𝘄𝗲𝗮𝗹𝘁𝗵 𝗶𝘀 𝘂𝗽 𝟲.𝟳%, 𝘆𝗲𝘁 𝗺𝗮𝗻𝘆 𝗽𝗲𝗼𝗽𝗹𝗲 𝗮𝗿𝗲 𝗳𝗼𝗰𝘂𝘀𝗶𝗻𝗴 𝗼𝗻 𝘁𝗵𝗲 𝘄𝗿𝗼𝗻𝗴 𝗻𝘂𝗺𝗯𝗲𝗿.

The headline says Singapore households are taking on more debt.

But as a market observer, what caught my attention wasn't the debt.

It was the fact that:

• Household net wealth grew 6.7%
• Residential property remains the largest household asset
• Mortgage borrowing continues to increase
• Household liabilities remain below historical averages relative to income

In simple terms, Singaporeans are borrowing more because they are also accumulating more assets.

This is a very different situation from an economy where debt is rising because people are struggling financially.

From a property market perspective, this tells us three things.

𝗙𝗶𝗿𝘀𝘁, 𝗱𝗲𝗺𝗮𝗻𝗱 𝗿𝗲𝗺𝗮𝗶𝗻𝘀 𝗿𝗲𝘀𝗶𝗹𝗶𝗲𝗻𝘁.

Despite years of cooling measures, higher interest rates and affordability concerns, homeowners are still upgrading, investors are still entering the market, and first-time buyers continue to purchase homes.

𝗦𝗲𝗰𝗼𝗻𝗱, 𝗰𝗮𝗽𝗶𝘁𝗮𝗹 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗳𝗹𝗼𝘄𝗶𝗻𝗴 𝗶𝗻𝘁𝗼 𝗿𝗲𝗮𝗹 𝗲𝘀𝘁𝗮𝘁𝗲.

Property remains one of the largest stores of wealth for Singapore households.

When household wealth grows, a portion of that wealth eventually finds its way into the property market through upgrading, reinvestment, and portfolio restructuring.

𝗧𝗵𝗶𝗿𝗱, 𝘁𝗵𝗲 𝗿𝗶𝘀𝗸 𝗶𝘀 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 "𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗼𝘄𝗻 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆?"

The more important question becomes:

"Am I holding the right property?"

Many owners assume that because property prices have risen, all properties will continue performing equally.

History shows otherwise.

In every property cycle, there are developments that outperform, developments that underperform, and developments that spend years moving sideways.

The biggest wealth gains are often not created by entering the market.

They are created by being positioned in the right asset before the next phase of growth begins.

The article tells us that household wealth is still expanding.

For property owners and investors, the conversation should not just be about whether the market will rise.

It should be about where the next opportunities are likely to emerge when that wealth continues flowing through the property market.

That is the difference between participating in the market and positioning yourself ahead of the market.

13/11/2025

A quiet GLS tender at Newton turned into one of the biggest surprises of 2025.
8 bidders fought for the site.
The winning developer paid way above expectations.

And when developers pay more…
It tells you something: confidence is back in the prime market.

If you’re watching CCR properties , Newton, Orchard, Novena , this is your sign to stay close. Big things coming.

26/08/2025

💥 $2.4M gone. A dad just lost his kids’ trust properties — here’s why it matters.

❌ Parents don’t own trust properties — kids do.
⚠️ Buying in trust means ABSD upfront (refund only if child is sole owner).
🚨 Sham trusts to avoid ABSD = 50% penalty.

👉 Trusts can help with planning, but misuse can backfire badly 💥.

19/08/2025

📉 “Interest rates are shifting , and smart buyers are already making their move!”

In Q2 2025, the Singapore Overnight Rate Average (SORA) dropped by 50 basis points, making floating-rate home loans more attractive than ever.

🏦 Local banks like DBS, OCBC, and UOB are already reporting rising loan volumes as buyers look to save on repayments.

💡 While many still prefer fixed rates for stability, the trend shows more homeowners are switching to floating rates to take advantage of lower monthly costs.

Wondering if you should refinance or plan your next property move? 🏠

👉 DM me today and let’s strategize the best financing option for you.

16/06/2023

Another round of enblock exercises is triggered.

16/06/2023

US federation meeting , good to know!