Qutub Khan · PropNex
I work through the arithmetic of your move before anyone talks about viewings — what you'll actually walk away with, what you can actually carry, and what happens if you're wrong.
Questions I get asked every week
Four of these are arithmetic. Only the last one is a judgement call — and it's yours to make.
The problem
There is no shortage of content telling you the market is up, the market is down, or that this launch is the one. What almost nobody does is sit with your CPF statement, your outstanding loan, your household income and your timeline, and work out what is actually available to you.
That gap is where bad decisions happen. People overcommit because a projection looked good. People stay put for five years because nobody ever showed them the sums were fine. Both are expensive.
So that's where I start. If the numbers say don't move, I'll tell you that — and you've lost nothing but an afternoon.
How I assess a property
Most agents will tell you a unit is good. Fewer will show you the framework they used to decide. This is mine — you'll see it applied to any shortlist I put in front of you.
Layout efficiency and orientation at unit level. Developer, density and facilities at project level. Transport, schools and future planning at the macro level. Scored separately, because a good project with a bad stack is still a bad buy.
Price per square foot against comparable projects within 1km, against the project's own transaction history, and against bank valuations. The question is never "is it expensive" — it's "is it expensive relative to what else does the same job."
The part most buyers skip entirely. Who is the future buyer, what will they compare it against, and what has to be true for you to sell without a discount. If I can't describe your exit buyer, that's a finding in itself.
Site ratio, tenure, age and owner profile. Worth understanding, never worth buying for. If en bloc is the main reason a unit looks attractive, the other three criteria are doing no work.
Where I work
The bulk of my work. Selling an HDB and moving into private, without breaking the household's finances in the process.
My home ground. I live here, I track every transaction here, and I know which blocks and stacks hold value and which don't.
Both, deliberately. An advisor who only sells new launches will always find you a new launch. I'll compare them properly.
Start here
Tell me roughly where you are and I'll come back with what the arithmetic looks like. No obligation, and no follow-up campaign if you decide to stay put.