https://sgroar.com/ Practical Singapore guides and independent analysis on credit cards, cars and housing. en-SG https://sgroar.com/articles/singapore-civil-servants-mrt-property-purchases/ https://sgroar.com/articles/singapore-civil-servants-mrt-property-purchases/ A Columbia-Stanford-HKU study finds Singapore civil servants bought significantly more private property near planned MRT stations in the 1–2 years before public announcements — and earned above-market returns. PSD is reviewing the paper. Tue, 15 Sep 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Property https://sgroar.com/articles/personal-accident-insurance-singapore-2026/ https://sgroar.com/articles/personal-accident-insurance-singapore-2026/ Four personal accident plans. Annual premiums from $190 to $282. The cheapest is not the worst, the most expensive is not the best, and the one with the most prominent marketing has the weakest value case. Mon, 14 Sep 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Insurance https://sgroar.com/articles/death-planning-guide-singapore-2026/ https://sgroar.com/articles/death-planning-guide-singapore-2026/ 78% of Singaporeans have no CPF nomination — and their will cannot fix it. Here is what Singapore law does to an unprepared family, and the five documents costing under $400 that prevent every part of it. Sun, 06 Sep 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Personal Finance https://sgroar.com/articles/hdb-201-million-dollar-flats-august-2026/ https://sgroar.com/articles/hdb-201-million-dollar-flats-august-2026/ August 2026 set a new monthly record with 201 million-dollar HDB transactions — even as official prices fall. We break down the bifurcated market, who is really buying, and what it means for everyone else. Sat, 05 Sep 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Housing https://sgroar.com/articles/hdb-15-month-wait-out-period-removed/ https://sgroar.com/articles/hdb-15-month-wait-out-period-removed/ The 15-month wait-out period for private property owners buying HDB resale flats has been scrapped. We explain what changed, why now, and what the six-month disposal deadline means in practice. Thu, 27 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Housing https://sgroar.com/articles/higher-bto-income-ceiling-2026-why-it-matters/ https://sgroar.com/articles/higher-bto-income-ceiling-2026-why-it-matters/ Singapore has raised the BTO income ceiling from S$14,000 to S$16,000. Here is who gains access, why the change matters and what it could mean for demand, prices and fairness. Tue, 25 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Housing https://sgroar.com/articles/best-credit-card-singapore-2026-hsbc-revolution/ https://sgroar.com/articles/best-credit-card-singapore-2026-hsbc-revolution/ HSBC Revolution is frequently cited as Singapore's top credit card in 2026. Four miles per dollar on contactless and online spending with no annual fee is a strong proposition—but the monthly bonus cap and the 8 MPD premium tier tell a more conditional story. Sat, 22 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Credit Cards https://sgroar.com/articles/dbs-yuu-card-review-2026/ https://sgroar.com/articles/dbs-yuu-card-review-2026/ The DBS yuu Card offers up to 18% in cash rebates or 10 miles per dollar, but only within a defined ecosystem and after monthly conditions. We examine the cap, merchants and who genuinely benefits. Sat, 22 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Credit Cards https://sgroar.com/articles/hdb-bto-guide-singapore/ https://sgroar.com/articles/hdb-bto-guide-singapore/ Singapore's BTO system gives eligible buyers access to subsidised flats at below-market prices — but the rules changed significantly in 2024. This guide covers the mandatory HFE letter, the Standard/Plus/Prime classification that changes your MOP from 5 to 10 years, correct EHG grant tiers up to a $9,000 income ceiling, and the 25% downpayment that many guides still get wrong. Sat, 22 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Housing https://sgroar.com/articles/coe-prices-august-2026-explained/ https://sgroar.com/articles/coe-prices-august-2026-explained/ Category A is just $499 below its record. Here is what the latest price and demand figures mean for Singapore households considering a car in the next 6–12 months. Fri, 21 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Cars https://sgroar.com/articles/october-2026-bto-preview-bayshore-caldecott/ https://sgroar.com/articles/october-2026-bto-preview-bayshore-caldecott/ Compare nearly 8,000 October 2026 BTO flats across Bayshore, Caldecott, Mattar, Tengah, Chencharu and Sembawang North before applying. Fri, 21 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Housing https://sgroar.com/articles/byd-vs-toyota-singapore-2026/ https://sgroar.com/articles/byd-vs-toyota-singapore-2026/ BYD Sealion 7 versus Toyota Corolla Cross Hybrid: a five-year total cost of ownership analysis covering purchase price, running costs, charging, resale value and COE renewal. Tue, 18 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Cars https://sgroar.com/articles/gxs-credit-card-singapore-cashback-review/ https://sgroar.com/articles/gxs-credit-card-singapore-cashback-review/ GXS Bank has launched a credit card offering up to 10% back in GrabCoins and 1.75% cashback on eligible spending. We examine the thresholds, exclusions, annual fee and who the card genuinely suits. Tue, 18 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Credit Cards https://sgroar.com/articles/singapore-en-bloc-rules-2026-older-condos/ https://sgroar.com/articles/singapore-en-bloc-rules-2026-older-condos/ Singapore has proposed lower en-bloc consent thresholds for condos aged 40 years and above. Here is what the changes could mean for owners, dissenters and buyers of older developments. Tue, 18 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Housing https://sgroar.com/articles/cdc-vouchers-800-dollars-right-direction/ https://sgroar.com/articles/cdc-vouchers-800-dollars-right-direction/ Singapore's government has announced two support packages totalling around $2 billion in response to the Middle East situation. Every household is receiving $800 in CDC Vouchers across FY2026. Credit where it is due — the response has been fast and the design is thoughtful. But a voucher cannot fix a structural cost problem. Mon, 17 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Current Affairs https://sgroar.com/articles/hdb-resale-prices-falling-million-dollar-flats/ https://sgroar.com/articles/hdb-resale-prices-falling-million-dollar-flats/ HDB resale prices softened in July 2026 while volume surged and 187 flats crossed $1 million. Here is what buyers and sellers should read from the split market. Fri, 14 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Housing https://sgroar.com/articles/how-coe-bidding-actually-works/ https://sgroar.com/articles/how-coe-bidding-actually-works/ Understand the four-quarter COE quota, reserve prices, clearing price and dealer packages before committing to your next car. Fri, 14 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Cars https://sgroar.com/articles/krisflyer-uob-credit-card-review-2026/ https://sgroar.com/articles/krisflyer-uob-credit-card-review-2026/ The KrisFlyer UOB Credit Card credits miles directly to your KrisFlyer account every month with no conversion step. At 3 MPD on SIA Group spending and 1.2 MPD on everyday local purchases, it rewards SIA loyalists clearly — but requires S$1,000 in annual SIA spend to unlock the better local rate. Fri, 14 Aug 2026 00:00:00 GMT editorial@sgroar.com (SGroar Editorial) Credit Cards