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:
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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.
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Disclaimer: This video is for educational purposes only and is not financial or real estate advice.


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