SINGAPORE PROPERTY ADVISOR

Your Trusted Guide to Singapore Property

Data-Driven. Honest. No Pressure.

Hi, I'm Steven Ng. With 23 years of engineering and data analysis experience, I help homebuyers and investors make smarter property decisions — using real data, not just gut feel.

💬 WhatsApp Me 📋 Free Consultation 🤖 Ask AI Bot

23+

Years Experience

24/7

AI Bot Support

Platforms

AI Bot Online 24/7

SINGAPORE MARKET DATA

Property Market Snapshot

Key indicators updated quarterly. Data sourced from HDB, URA, and MAS. Use these numbers to make informed decisions.

🏠

187.9

HDB Resale Price Index (Q4 2025)

▲ +2.6% QoQ

🏢

196.4

Private Condo Price Index (Q4 2025)

▲ +2.3% QoQ

📊

55%

TDSR Cap (Total Debt Servicing Ratio)

MAS Regulation

💰

60%

Max HDB Loan (LTV Ratio)

HDB Rate: 2.6% p.a.

🌏

60%

ABSD for Foreigners (Residential)

▼ High entry barrier

📅

5 yrs

HDB Minimum Occupation Period (MOP)

Before resale or renting out

* Data as of Q4 2025. For the latest figures, refer to HDB.gov.sg and URA.gov.sg. This is educational information only.

ABOUT STEVEN

Steven Ng | 黄思强

Property Advisor SG (RES Candidate)

The Engineer Who Speaks Property

Hi, I'm Steven Ng. I'm a property advisor based in Singapore with over 23 years of experience in engineering and data analysis. I help homebuyers and investors make smarter property decisions using real data — not just gut feel.

With my engineering background, I break down the numbers clearly and honestly, so you can make confident decisions without second-guessing yourself. My approach is simple — no pressure, no hype, just honest data-driven advice tailored to your specific situation and budget.

📐
Engineering Precision23+ years of analytical thinking applied to property

📊
Data-DrivenReal numbers, honest advice, no hype

🇸🇬
Singapore SpecialistHDB, Condo, Landed, Commercial

🌏
MultilingualEnglish, Mandarin, Hokkien

AFTER CEA REGISTRATION

How I Can Help You

Services I will offer once fully licensed. Currently completing RES course — exam in July 2026.

⚠️ Educational content only. Steven is a RES candidate. Estate agency services commence after CEA registration.

🏠

HDB Resale

Expert guidance on buying and selling HDB resale flats, including valuation, grants, and negotiation.

🏢

Condo & Private

New launches and resale condominiums — data-driven analysis to find the best value for your budget.

🌳

Landed Property

Terrace, semi-detached, and bungalow transactions with deep market knowledge.

💼

Commercial

Office, retail, and industrial property for business owners and investors.

🌏

Expat Relocation

Helping expats and new PRs navigate Singapore's property market with ease.

📈

Investment Advisory

Portfolio analysis, rental yield calculations, and capital appreciation forecasting.

24/7 AI PROPERTY ASSISTANT

Ask My AI Property Bot

Get instant answers about Singapore property — HDB, condos, ABSD, TDSR, grants, and more. Available 24/7.

⚡

Instant Property Answers

Ask about ABSD, TDSR, MOP, BTO vs Resale, stamp duties — get clear answers anytime.

📊

Data-Driven Insights

🕐

Available 24 Hours a Day

No waiting. Get immediate responses at any hour, any day of the week.

Steven's AI Digital Twin Stylized illustration — not a real photo 🎬 Watch AI Avatar Video →

Steven's AI Property Assistant

Online 24/7

👋 Hi! I'm Steven's AI assistant. Ask me anything about Singapore property — HDB, condos, ABSD, TDSR, grants, and more!

What is TDSR?

BTO vs Resale?

ABSD rates 2026

HDB grants available

Educational information only. Not financial or legal advice.

CONTENT LIBRARY

Property Tips & Insights

Educational videos on Singapore property — data-driven, honest, and practical.

EARLY SUPPORTERS

What People Are Saying

Feedback from friends, family, and early followers who've benefited from Steven's property insights.

★★★★★

"Steven explained the TDSR calculation so clearly — I finally understood how much I could actually borrow. His data-driven approach gave me real confidence before making such a big decision."

Jason Lim

First-time HDB buyer

★★★★★

"As an expat, I was completely lost about Singapore property rules. Steven broke everything down — ABSD, eligibility, financing — in a way that actually made sense. No jargon, just clear explanations."

Michael Koh

Expat, relocating to Singapore

★★★★★

"Steven的分析非常专业，用数据说话，让我对新加坡房产市场有了全新的认识。他的解释清晰易懂，强烈推荐给所有想了解新加坡房产的朋友！"

陈

陈美玲

Property investor

LATEST INSIGHTS

Property Knowledge Hub

Educational content to help you make smarter property decisions. Follow me on TikTok and YouTube for more.

📊TikTok

DATA-DRIVEN

HDB Resale Prices: What the Data Says Right Now

🏠TikTok

EDUCATOR

BTO vs Resale HDB: Which Should You Buy?

💡TikTok

EDUCATOR

What is TDSR? Explained in 60 Seconds

🌏TikTok

POLICY

ABSD 2026: Who Pays What? (Full Breakdown)

🎵 Watch All Videos on TikTok

GET IN TOUCH

Let's Talk Property

Have a property question? Reach out via WhatsApp, email, or book a free 30-min consultation below.

💬

WhatsApp+65 9235 6773

✉️

Emailsteven@stevenngproperty.sg

💚

WeChatsteven6773

All My Links

🌿

LinktreeAll links in one place

🤖

AI Bot24/7 property assistant

🎵

TikTok@stevenng.property

📸

Instagram@stevenng.property

🎬

AI Avatar VideoMy digital twin

📋 Book a Free 30-Min Consultation

No obligation. No pressure. Just honest property advice.

🎉

Thank you! I'll be in touch soon.

Steven will reach out via WhatsApp or email within 24 hours.

⚠️ Important Notice — CEA Compliance

Steven Ng (Ng Tze Kiong) is currently completing the Real Estate Salesperson (RES) course and examination requirements under the Council for Estate Agencies (CEA), Singapore. He is not yet a licensed estate agent. All content on this website is for educational and informational purposes only and does not constitute estate agency work or solicitation of clients. Estate agency services will only be provided after successful CEA registration. For enquiries, please contact: steven@stevenngproperty.sg | +65 9235 6773.