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Should You Buy? Get The Verdict.

A straight answer — buy, wait, or walk — with the numbers behind it and five advisory perspectives that don't always agree. It's on the page right now; tap a chip or two to make it yours.

This is analysis under the published assumptions, not financial advice. The full WhatsApp verdict adds the property-level layer — asking price vs block transactions, supply pipeline, exit audience.

How The Verdict Works

  • 1 The verdict is on the page before you touch anything, computed for a typical profile. Chips let you switch who you are, what you're eyeing, and your bands — each tap re-runs everything instantly.
  • 2 The engine computes both real paths — HDB loan (MSR 30%, 25y, full CPF) and bank loan (TDSR 55%, 4% stress, min 5% cash) — with tiered BSD, and plans on the one that fits.
  • 3 It then runs 1,000 simulated four-year futures on that position — rate shocks, income shocks, price swings — and five advisory perspectives each run their own math on the result.
  • 4 Sharpen it with your exact numbers below the card, or WhatsApp us the ref for the full personal verdict — free.
★★★★★

"About a third of our verdicts say wait or walk. That's not bad for business — it's the reason the other two-thirds trust the yes."

— Benjamin Tan · CTB Realty

Our assumptions, in the open

Bank path: TDSR 55% at 4% stress, 75% LTV, up to 30y, min 5% cash. HDB path: MSR 30% at 3%, 75% LTV, up to 25y, full CPF. Tiered BSD (1–6%) · ABSD 20% assumed for a 2nd property · indicative rates 3.2% bank / 2.6% HDB · we never plan your last S$30k. Simulation: 1,000 futures, 2% ± 5% annual drift, 10% income-shock chance, ±1% rate resets.