I OBSESSED Over the Numbers Before Buying a Home: And Almost Got It Wrong (2026 🇸🇬) скачать в хорошем качестве

I OBSESSED Over the Numbers Before Buying a Home: And Almost Got It Wrong (2026 🇸🇬)

Buying your first home in Singapore in 2026? This video explains how to calculate your true property budget, beyond just the purchase price. Many buyers assume their property budget is just the purchase price. But real affordability goes far beyond that. In this video, I break down how to calculate your true property budget in Singapore, including hidden upfront costs, future homeowner expenses, mortgage repayments — so you don’t end up stretched or stressed after buying your home. I’ll also cover the various ways you can finance your home purchase.  What this video covers How to calculate your property budget properly (Using the Public vs Private Budget Framework) Public Budget vs Private Budget explained How CPF OA contributions and cash affect your home loan affordability MSR and TDSR rules explained simply Upfront costs of home ownership: downpayment, BSD, legal fees, renovation I’m not a property agent and I’m not selling you anything. This is simply the budget I wish I has prepared for before I started — shared so you can feel more informed and confident taking your first step. 🔗 Tools & resources mentioned CPF Mortgage Calculator: https://www.cpf.gov.sg/member/tools-a... MAS MSR & TDSR rules: https://www.mas.gov.sg/regulation/exp... IRAS Buyer’s Stamp Duty (BSD): [https://www.iras.gov.sg/taxes/stamp-d...)] IRAS Additional Buyer Stamp Duty (ABSD): [https://www.iras.gov.sg/taxes/stamp-d...)] Chapters: 00:00 - Intro 00:38 - How I define Property Budget (Public vs Private budget) 01:33 - Public Budget 02:07 - Max Comfortable Home Loan (CPF + Cash) 04:10 - Getting a range for Home loan 04:18 - MAS rules on MSR and TSDR 05:18 - Most Accurate Estimate of Max Home Loan 06:12 - Upfront homeowner costs 06:49 - Home Purchase timeline 07:39 - Upfront costs required at each point of Home Purchase timeline 08:45 - The real bottleneck 09:04 - How to save for downpayment 09:17 - Conclusion: Public Budget vs Private Budget 09:41 - Ending Buying property in Singapore can be expensive: 👉 Subscribe for upcoming videos on: How I saved for my 250k downpayment in Singapore (to add link) I bought my First Home in Singapore—Here’s Everything I wish I knew:    • I Bought My 1st Home in Singapore (2026) —...   💬 If you’re on your own property journey, I’d love to hear where you’re at — drop a comment below. 👍 If this video helped, consider liking it — it really supports a growing channel like this one. Disclaimer: This video is for educational purposes only and is not financial or real estate advice. Tags: singapore property, property budget singapore, buying a home singapore 2026, hdb affordability singapore, private property singapore, cpf housing loan, property budgeting singapore, home loan affordability singapore, msr tsdr singapore, downpayment singapore property, hidden costs buying property singapore, solo home buyer singapore, cpf oa mortgage, singapore property guide, buying first home singapore, sg real estate, sg new launch, penrith, zyon grand, skye at holland, , faberresidence, the sen, rivergreen, promenade peak, silversea, cote dazur, meyer mansion, amber park, goodman estate, River Modern, Bayshore Road Condo, Former Thomson View Condo, Upper Thomson Parcel A, Narra Residences, Newport Residences, Newport Tower, Zyon Grand, Coastal Cabana, Sophia Meadows, Pinery Residences, grandeur park, eric chiew