Analysis

Freehold vs Leasehold,
what the data actually says.

The most debated question in Singapore property. We ran the URA transaction data across comparable freehold and leasehold condos in the same districts. The answer might surprise you.

What this analysis covers

  • 10-year price appreciation — freehold vs 99-yr
    Matched pairs in the same district, same era, different tenure
    Coming soon
  • The premium you pay at entry
    How much more freehold costs — and what that costs you in yield and returns
    Coming soon
  • When leasehold decay starts to hurt
    At what remaining lease does bank financing and CPF usage become restricted?
    Coming soon
  • CPF and financing implications
    How the lease clock affects your ability to use CPF and get a full loan
    Coming soon
  • En bloc: who actually benefits more?
    The en bloc calculus for freehold vs leasehold — not what you might think
    Coming soon
  • The verdict — when does freehold actually matter?
    The holding period and scenario where paying the premium makes financial sense
    Coming soon

This analysis is being finalised. It will be worth reading.

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