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Introduction

Property.Guru is a property portal that features and showcases Singapore & International residential/commercial/industrial projects. We aim to provide an informative real estate website that helps consumers to harness more details in aiding your buying or/and investing needs.

With the abundance of resources, be it online or offline, it is relatively easy to find a property nowadays. However, to choose the perfect one at its ideal pricing is not going to be easy, hence we want to provide as much property information as possible to our readers and Property.Guru is where you can find the most updated property news, new upcoming property launch and completed homes (TOP).

Our next plan is to focus as one of the best one-stop solution to start your commercial property search as an investor, buyer for own use, or tenant looking to rent commercial space or office. Look out for our featured listings

Just surf around and gather more informed decision!
Latest News more property news

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Upcoming New Projects see all

Coco Palms
KingsFord Waterbay
 
Name:
KingsFord Waterbay
Country
Singapore
Address
Upper Serangoon View
District
19
Est. TOP
30 November 2017
read more
Coco Palms
Palms @ Sixth Avenue
 
Name:
Palms @ Sixth Avenue
Country
Singapore
Address
199 Sixth Avenue, Singapore 276669
District
10
Est. TOP
31.3.2015
read more
Coco Palms
Novelty Techpoint
 
Name:
Novelty Techpoint
Country
Singapore
Address
22A Lim Tech Boo Road
District
19
Est. TOP
2018
read more
Coco Palms
Australia 108
 
Name:
Australia 108
Country
Australia
Address
District
Est. TOP
read more
Marketed By Huttons | Call +65 8383 8310

Crown @ Robinson

Name
Crown @ Robinson
Country
Singapore
Address
140 Robinson Road
District
01
Est. TOP
TBA
read more
 

The Citron @ Marne Road

Name
The Citron @ Marne Road
Country
Singapore
Address
1 Marne Road
District
08
Est. TOP
No later than 31 Dec 2019
read more
 

City Gate

Name
City Gate
Country
Singapore
Address
Beach Road
District
07
Est. TOP
2018
read more
A Waterfront Residence By The River

Waterfront @ Faber

Name
Waterfront @ Faber
Country
Singapore
Address
Faber Walk
District
05
Est. TOP
15-Jul-18
read more
Freehold Commercial | 5 mins Walk To MRT

Trio @ Sam Leong

Name
Trio @ Sam Leong
Country
Singapore
Address
11 Sam Leong Road Singapore 207903
District
08
Est. TOP
30th June 2019
read more
 

Rangoon 88

Name
Rangoon 88
Country
Singapore
Address
88 Rangoon Road , Singapore 218374
District
08
Est. TOP
Dec 2014
read more
Marketed By Propnex | Call 6100-0778

Forte Suites

Name
Forte Suites
Country
Singapore
Address
88 Mergui Road
District
08
Est. TOP
30 Jun 2018
read more
Next to Queenstown MRT by CDL

Commonwealth Towers

Name
Commonwealth Towers
Country
Singapore
Address
230 Commonwealth Avenue
District
03
Est. TOP
01 Dec 2019
read more
Load More Projects
 

Palms @ Sixth Avenue

Name
Palms @ Sixth Avenue
Country
Singapore
Address
199 Sixth Avenue, Singapore 276669
District
10
Est. TOP
31.3.2015
read more
Marketed By Huttons | Call +65 61000 830

Sophia Hills

Name
Sophia Hills
Country
Singapore
Address
11 Mount Sophia, Singapore
District
09
Est. TOP
June 2019
read more
 

The Rise @ Oxley

Name
The Rise @ Oxley
Country
Singapore
Address
71 Oxley Rise Singapore
District
09
Est. TOP
31 Dec 2019
read more
 

Nathan Suites

Name
Nathan Suites
Country
Singapore
Address
21 Nathan Road
District
10
Est. TOP
31st August 2014
read more
 

Sky Vue

Name
Sky Vue
Country
Singapore
Address
Bishan St 15
District
20
Est. TOP
31 October 2017
read more
 

Sky Habitat

Name
Sky Habitat
Country
Singapore
Address
Bishan Street 15
District
20
Est. TOP
1st Quarter 2016
read more
 

The Panorama

Name
The Panorama
Country
Singapore
Address
8, 10, 12, 16, 18, 20 Ang Mo Kio Avenue 2
District
20
Est. TOP
31 December 2019
read more
 

Sophia Residence

Name
Sophia Residence
Country
Singapore
Address
1 Sophia Road, Singapore 228149
District
09
Est. TOP
read more
Load More Projects
 

Sims Urban Oasis

Name
Sims Urban Oasis
Country
Singapore
Address
Sims Drive
District
14
Est. TOP
TBC
read more
Marketed By Huttons | +65 9858 5758

Tre Residences

Name
Tre Residences
Country
Singapore
Address
7, Geylang East Avenue 1, Singapore 389782
District
14
Est. TOP
22 April 2019
read more
Freehold | 5 min walk to Lavender MRT

Kallang Riverside

Name
Kallang Riverside
Country
Singapore
Address
51 Kampong Bugis (Former Singapore Johore Factories Building)
District
12
Est. TOP
2019
read more
New 5 Storey Freehold Commercial Property

Hexacube

Name
Hexacube
Country
Singapore
Address
160 Changi Road
District
14
Est. TOP
2018
read more
 

Gemini @ Sims

Name
Gemini @ Sims
Country
Singapore
Address
55 Lorong 17 Geylang, Singapore 388577
District
14
Est. TOP
2017
read more
 

Vacanza

Name
Vacanza
Country
Singapore
Address
Lengkong Tujoh, Singapore
District
14 (Kembagan)
Est. TOP
Early 2014
read more
 

Prime Residence

Name
Prime Residence
Country
Singapore
Address
41 Lorong 22 Geylang 398697
District
14
Est. TOP
2014
read more
 

Nin Residence

Name
Nin Residence
Country
Singapore
Address
83 Pheng Geck Avenue
District
13
Est. TOP
2014
read more
Load More Projects
 

Marine Blue

Name
Marine Blue
Country
Singapore
Address
Marine Parade Road
District
15
Est. TOP
15 October 2017
read more
 

Seven Crescent

Name
Seven Crescent
Country
Singapore
Address
7 Crescent Road
District
15
Est. TOP
30 June 2014
read more
Marketed By ERA | Call +65 9232 7888

Seventy St Patrick’s

Name
Seventy St Patrick’s
Country
Singapore
Address
70 St Patrick's Road
District
15
Est. TOP
31 Dec 2017
read more
 

The Glades @ Tanah Merah

Name
The Glades @ Tanah Merah
Country
Singapore
Address
New Upper Changi Road
District
16
Est. TOP
read more
 

Vibes @ East Coast

Name
Vibes @ East Coast
Country
Singapore
Address
308 Telok Kurau Road, Singapore
District
15
Est. TOP
End 2014
read more
 

The Vanderlint @ East Coast

Name
The Vanderlint @ East Coast
Country
Singapore
Address
85, 87 Ceylon Road Singapore 429662
District
15 (East Coast)
Est. TOP
31st Dec 2015
read more
 

UBER 388

Name
UBER 388
Country
Singapore
Address
388 Upper East Coast Road, Singapore
District
16
Est. TOP
End 2015
read more
 

Straits Residences

Name
Straits Residences
Country
Singapore
Address
154 Joo Chiat Place 427882
District
15
Est. TOP
2013
read more
Load More Projects
 

KingsFord Waterbay

Name
KingsFord Waterbay
Country
Singapore
Address
Upper Serangoon View
District
19
Est. TOP
30 November 2017
read more
 

Novelty Techpoint

Name
Novelty Techpoint
Country
Singapore
Address
22A Lim Tech Boo Road
District
19
Est. TOP
2018
read more
 

Palm Isles

Name
Palm Isles
Country
Singapore
Address
Flora Drive
District
17
Est. TOP
30 Jun 2015
read more
Marketed By Huttons | Call +65 8383 8310

Botanique @ Bartley

Name
Botanique @ Bartley
Country
Singapore
Address
Upper Paya Lebar Road
District
19
Est. TOP
30 November 2018
read more
 

Bellewaters EC

Name
Bellewaters EC
Country
Singapore
Address
Anchorvale Crescent
District
19
Est. TOP
30 November 2017
read more
New EC @ Punggol Launching Soon!!!

The Terrace EC

Name
The Terrace EC
Country
Singapore
Address
Punggol Drive/Edgedale Plains
District
19
Est. TOP
November 30, 2017
read more
Another EC Launching Soon!!

The Amore EC

Name
The Amore EC
Country
Singapore
Address
53, 53A, 55, 55A, 57, 57A Edgedale Plains
District
19
Est. TOP
2018
read more
 

The Daleys EC

Name
The Daleys EC
Country
Singapore
Address
Punggol Central/Edgedable Plains
District
19
Est. TOP
TBA
read more
Load More Projects
Marketed By ERA | Call +65 9222 8999

Symphony Suites

Name
Symphony Suites
Country
Singapore
Address
Yishun Avenue 9
District
27
Est. TOP
2018
read more
New Condo Launching Next To Yishun MRT!!

North Park Residences

Name
North Park Residences
Country
Singapore
Address
Yishun Central
District
27
Est. TOP
TBA
read more
 

Vision Exchange

Name
Vision Exchange
Country
Singapore
Address
2 Venture Drive Singapore 608526
District
22
Est. TOP
2018
read more
 

Carmine Collection

Name
Carmine Collection
Country
Singapore
Address
Lor Kismis
District
21
Est. TOP
2015
read more
New EC @ Woodlands Coming Soon! Check it Out Now

Bellewoods EC

Name
Bellewoods EC
Country
Singapore
Address
Woodlands Ave 5 / Woodlands Ave 6
District
25
Est. TOP
30th November 2017
read more
Marketed By Propnex | Call +65 6100 8801

Lakelife EC

Name
Lakelife EC
Country
Singapore
Address
Yuan Ching Road / Tao Ching Road
District
22
Est. TOP
1 DEC 2017
read more
Fantastic Panorama Lake Frontage

Lakeville

Name
Lakeville
Country
Singapore
Address
Jurong Lake Link
District
22
Est. TOP
2018
read more
Potential High Capital Gain + Rental Yeilds

EcoTech @ Sunview

Name
EcoTech @ Sunview
Country
Singapore
Address
Sunview / Pioneer Road
District
22
Est. TOP
2015
read more
Load More Projects
 

Australia 108

Name
Australia 108
Country
Australia
Address
District
Est. TOP
read more
 

Axis Tower

Name
Axis Tower
Country
United Kingdom
Address
Manchester, United Kingdom
District
Est. TOP
2016
read more
 

Grand Medini Residence

Name
Grand Medini Residence
Country
Malaysia
Address
Medini, Nusajaya, Johor
District
Est. TOP
2018
read more
 

100 West Makati

Name
100 West Makati
Country
Philippines
Address
100 Sen. Gil Puyat Ave. Coner Washington St. Makati City
District
Est. TOP
4th Quarter 2018
read more
 

Marina Tower Melbourne

Name
Marina Tower Melbourne
Country
Australia
Address
Pearl River Road, Docklands Melbourne Australia
District
Est. TOP
Q2 2017
read more
FIRST Mega Township in East London

Royal Wharf

Name
Royal Wharf
Country
United Kingdom
Address
Greater London, London
District
Est. TOP
May 2016
read more
 

Meridin Suites & Sovo

Name
Meridin Suites & Sovo
Country
Malaysia
Address
Iskandar Malaysia, Medini North
District
Est. TOP
read more
 

Tri Tower Residence

Name
Tri Tower Residence
Country
Malaysia
Address
Johor Bahru Sentral, Johor Bahru, Johor
District
Est. TOP
2017
read more
Load More Projects
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More Reading Here:

Market Cooling Measures Adopted by Singapore

Singapore's Monetary Authority has enforced new rules under a framework to restrict lending by banks and other financial institutions. Individual borrowers who have outstanding debt repayments greater than 60% of gross income, regardless of whether that debt is associated with property or not, are treated within certain constraints by these lending institutions. Interest rates used to calculate the potential loan for individual borrowers is the highest of either 3.5% or the actual interest rate calculated on the value of the property to be purchased. Guarantors are also required to be within the TDSR threshold to enable the loan to be successfully processed.

Banks are also required to lend at the lower of a Loan – to – Value (LTV) limit of either the maximum percentage of the property's purchase price or the price determined by the property's value as established by the bank. Depending on the circumstances of the borrower the LTV may be set out as follows:

• 80% if there are no other loans owing. For foreigners who are not Permanent Residents of Singapore some banks may place a 70% or 60% cap on the LTV. • 50% if there is at least one loan owing • 40% if there are two or more loans owing or if the borrower is purchasing through a company.

Lower LTV limits are however applied for loan tenures that would exceed 30 years or for loans with duration beyond the age of 65. These lower limits are:

• 60% if there are no other loans owing; • 30% if at least one loan is owing; • 20% if two or more loans are owing or if the property will be purchased through a company.

Owners of residential properties in Singapore are not subjected to LTV limits in obtaining housing loans for buying Executive Condominiums directly from a property developer of a HDB flats.

The person applying for the loan should also be the purchaser of the property for which the loan is being made. According to MAS regulations the loan tenure limit to be granted by financial institutions cannot exceed 35 years.

Minimum Deposit by the Borrower

The amount that is not financed by the bank or financial institution must be paid by the borrower from his own resources. This amount can either be an out of pocket payment or a withdrawal from the CPF ordinary account (the savings account mandated for Singaporeans and Permanent Residents). The borrower's deposit cannot be below the lower of the stated minimum percentage of either the purchase price or the valuation price.

• 5% deposit for a loan to value of 80% • 10% deposit for a loan to value of 60% • 25% deposit for a loan to value below 60%.

Additional Buyer Stamp Duty (ABSD)

A Stamp Duty is required for every purchase of residential property in Singapore. This is a tax equivalent to approximately 3% of the higher value of either the purchase price or the valuation price. This tax was introduced to reduce the volatility of the real estate market in Singapore. The Additional Buyer Stamp Duty is set according to the borrower's immigration status.

• Singaporeans applying for a first, second or third (or subsequent) loans will pay an ABSD of 0%, 7%, 10% respectively. • Permanent Residents will pay an ABSD of 5% for a first purchase or 10% for a second or subsequent property purchase. • Foreigners, whether staying in Singapore or not, and individuals purchasing property through a company will pay a 15% ABSD regardless of whether they are purchasing their first or subsequent property.

When more than one person joins together to purchase a property the highest ABSD (with some exemptions) will apply. Residents of Norway, USA, Iceland, Switzerland, and Liechtenstein are not required to pay the same ABSD applicable to foreigners but instead will pay the same rate as Singapore citizens. Married couples, of which one partner must be a Singaporean citizen, are also exempted from paying the ABSD if they are first time property owners, or if they agree to sell their existing property within 6 months of purchasing a new property.

Seller Stamp Duty (SSD)

To control speculation in the real estate market sellers of property are also required to pay a Seller's Stamp Duty. This tamp Duty is the higher value of either the percentage of the selling price or the valuation price. For purchasers who have bought property after August 30, 2010 but prior to January 13, 2011 the applicable SSD was approximately 1%.

Properties bought after January 14, 2011 would attract Seller Stamp Duties if they are sold within 4 years after purchase as follows: • 16% if sold within less than one year • 12% if sold between one year and 2 years • 8% if sold between 2 and 3 years • 4% if sold between 3 and 4 years Restrictions on Public Housing

Extra restrictions have been placed on transactions involving houses that were provided by the Singaporean government (namely the HDB flats).

The proportion of the income that can be used to pay for the mortgage loan, termed the Mortgage Servicing Ratio (MSR) is set at 30% for loans granted by private banks or financial institutions and 35% for loans granted by the HDB.

Permanent Residents are not permitted to offer their entire housing unit for rent. Prior approval from the HDB is required. Owners of HDB flats who are permanent Residents of Singapore are also allowed 6 months to dispose of their flats if they are going to buy private residential properties.

Summary of Key Market Cooling Measures

• Loan – to- Value Limit is 50% for second home loans (30% if loan tenure is longer than 30 years or loan is past age 65). For third home loan the LTV is 40% (20% if tenure is longer than 30 years or loan duration is past age 65) and 20% for companies (since January 2013) • Additional Buyers Stamp Duty (ABSD): foreigners and companies +15%, Permanent Residents +5% for first property and +10% for second property, Singaporeans +7% for second property and +10% for third property • Seller's Stamp Duty (SSD) on private residential property sold within 4 years of purchase (with sliding rates of 16%, 12%, 8% and 4%) • Minimum occupation period of non-subsidized HDB flats is 5 years (reselling and renting are not allowed). Permanent Residents with HDB flats must sell the unit within 6 months of buying a private property. • Minimum cash deposit for first time property loans is 5% (10% if tenure is longer than 30 years or the loan duration is past age 65), for second and subsequent home loans the minimum cash payment increases to 25%. • Executive condominium construction and sale restrictions and seller's stamp duty on industrial properties. • All borrowers must also be mortgagors and no guarantors are allowed since January 2013. • Debt Servicing Ratio (TDSR) is capped at 60% for property loans.

This information serves to increase understanding about the market cooling measures that have been implemented by the Monetary Authority of Singapore since 2009 to dampen the effect of speculation that was a feature of the booming real estate market in that country.

New Condo Launching – Kingsford Waterbay

05/12/2014
  Kingsford Waterbay is a brand new and exciting condo development with two...

The Next Anticipated Executive Condo – Westwood EC

07/11/2014
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More About The Terrace EC

16/10/2014
About the project - The Terrace EC The Terrace is a brand new luxury executive...