<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>The Big Friendly Agent, Property Guides</title><description>Practical, plain-English guides on buying, selling, renting and investing in Singapore property, written by Marcus Chong.</description><link>https://www.bigfriendlyagent.com/</link><language>en-sg</language><item><title>Buying a Second Property in Singapore: Downpayment, Loan Tenure and Timing</title><link>https://www.bigfriendlyagent.com/guides/buying-second-property-singapore-downpayment-loan/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/buying-second-property-singapore-downpayment-loan/</guid><description>A second property loan works differently from your first, lower financing, more cash upfront, and a shorter effective tenure. Here is what to plan for.</description><pubDate>Wed, 05 Aug 2026 00:00:00 GMT</pubDate><category>Buyer Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>Can Foreigners and PRs Buy Property in Singapore? A Straight Answer</title><link>https://www.bigfriendlyagent.com/guides/foreigner-pr-buying-property-singapore/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/foreigner-pr-buying-property-singapore/</guid><description>Eligibility depends heavily on your residency status and the property type. Here is what foreigners and Permanent Residents can and cannot buy in Singapore.</description><pubDate>Mon, 27 Jul 2026 00:00:00 GMT</pubDate><category>Buyer Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>Using Your CPF to Buy Property in Singapore: What It Can and Cannot Cover</title><link>https://www.bigfriendlyagent.com/guides/using-cpf-to-buy-property-singapore/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/using-cpf-to-buy-property-singapore/</guid><description>CPF can fund a lot of your purchase, but not all of it, and not always in the order you expect. Here is a plain-English breakdown of what your Ordinary Account can and cannot pay for.</description><pubDate>Mon, 13 Jul 2026 00:00:00 GMT</pubDate><category>Buyer Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>What is Cash Over Valuation (COV) in HDB Resale and Should You Pay It?</title><link>https://www.bigfriendlyagent.com/guides/what-is-cov-hdb-resale-singapore/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/what-is-cov-hdb-resale-singapore/</guid><description>COV is one of the most misunderstood terms in the HDB resale market. Here is a plain explanation of what it is, when it comes up, and how to think about it.</description><pubDate>Tue, 30 Jun 2026 00:00:00 GMT</pubDate><category>Buyer &amp; Seller Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>How to Price Your HDB Flat for Sale in Singapore (Without Leaving Money on the Table)</title><link>https://www.bigfriendlyagent.com/guides/how-to-price-hdb-flat-singapore/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/how-to-price-hdb-flat-singapore/</guid><description>Pricing is the single decision that determines how fast your HDB sells and how much you walk away with. Most sellers get it wrong in one direction or the other.</description><pubDate>Wed, 20 May 2026 00:00:00 GMT</pubDate><category>Seller Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>How to Choose a Property Agent in Singapore (And the Red Flags to Walk Away From)</title><link>https://www.bigfriendlyagent.com/guides/how-to-choose-property-agent-singapore/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/how-to-choose-property-agent-singapore/</guid><description>There are over 30,000 licensed property agents in Singapore. Most are decent. Some are not. Here is what to look for and what to avoid.</description><pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate><category>Buyer &amp; Seller Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>ABSD Singapore 2025: What Buyers Need to Know Before Buying a Second Property</title><link>https://www.bigfriendlyagent.com/guides/absd-singapore-guide-2025/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/absd-singapore-guide-2025/</guid><description>Additional Buyer Stamp Duty catches many buyers off-guard. Here is a plain-English breakdown of the current rates and how they affect your plans.</description><pubDate>Sat, 18 Apr 2026 00:00:00 GMT</pubDate><category>Buyer Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>HDB Minimum Occupation Period (MOP): What Every Owner Needs to Know</title><link>https://www.bigfriendlyagent.com/guides/hdb-minimum-occupation-period-guide/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/hdb-minimum-occupation-period-guide/</guid><description>The MOP affects when you can sell, rent out, or buy a private property. Here is a clear breakdown of how it works and what changes in 2025.</description><pubDate>Thu, 02 Apr 2026 00:00:00 GMT</pubDate><category>Seller Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>Renting Out Your HDB in Singapore: A Practical Guide for Landlords</title><link>https://www.bigfriendlyagent.com/guides/renting-out-hdb-singapore-guide/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/renting-out-hdb-singapore-guide/</guid><description>HDB rental can generate meaningful income, but there are rules to follow and pitfalls to avoid. Here is what every landlord needs to know before listing.</description><pubDate>Sun, 15 Mar 2026 00:00:00 GMT</pubDate><category>Landlord Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>First-Time HDB Buyer in Singapore: What You Actually Need to Know</title><link>https://www.bigfriendlyagent.com/guides/first-time-hdb-buyer-guide-singapore/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/first-time-hdb-buyer-guide-singapore/</guid><description>Buying your first HDB is exciting and overwhelming in equal measure. Here is a plain-language guide to the process, the jargon, and the decisions that matter.</description><pubDate>Sun, 01 Mar 2026 00:00:00 GMT</pubDate><category>Buyer Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>What Happens After You Sign the OTP in Singapore?</title><link>https://www.bigfriendlyagent.com/guides/what-happens-after-otp-singapore/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/what-happens-after-otp-singapore/</guid><description>Signing the Option to Purchase is just the beginning. Here is a clear step-by-step of what happens next for both HDB and private property.</description><pubDate>Sun, 15 Feb 2026 00:00:00 GMT</pubDate><category>Buyer &amp; Seller Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>Should You Sell or Rent Out Your HDB? A Practical Guide for 2025</title><link>https://www.bigfriendlyagent.com/guides/sell-or-rent-out-hdb-singapore/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/sell-or-rent-out-hdb-singapore/</guid><description>One of the most common questions I get from homeowners, and the honest answer is that it depends on a few things specific to your situation.</description><pubDate>Tue, 10 Jun 2025 00:00:00 GMT</pubDate><category>Seller Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>How Long Does It Actually Take to Sell an HDB in Singapore?</title><link>https://www.bigfriendlyagent.com/guides/how-long-does-it-take-to-sell-hdb/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/how-long-does-it-take-to-sell-hdb/</guid><description>The timeline from &quot;I want to sell&quot; to keys handover is longer than most people expect. Here is a realistic breakdown.</description><pubDate>Wed, 28 May 2025 00:00:00 GMT</pubDate><category>Seller Advice</category><author>marcus@bigfriendlyagent.com</author></item><item><title>North Singapore Property Market: What Buyers and Sellers Should Know in 2025</title><link>https://www.bigfriendlyagent.com/guides/north-singapore-property-market-2025/</link><guid isPermaLink="true">https://www.bigfriendlyagent.com/guides/north-singapore-property-market-2025/</guid><description>Woodlands, Sembawang, Yishun, and Canberra have been seeing consistent activity. Here is what is actually happening on the ground.</description><pubDate>Thu, 15 May 2025 00:00:00 GMT</pubDate><category>Market Update</category><author>marcus@bigfriendlyagent.com</author></item></channel></rss>