Budget and loan margin
The bank's margin of finance (how much it will lend) and your own down payment plus entry costs are two different numbers — know both before you start viewing units.
Buyers
Buy a subsale unit without guessing on price or condition.
Subsale buying works differently from a new launch — you inspect an actual unit, not a showroom. Get the numbers, the condition checks and the paperwork right before you commit.
Subsale versus new launch
Subsale lets you inspect the actual unit, meet the neighbours and see how the building is managed; a new launch offers developer packages and a longer wait for completion. Compare which fits your timeline.
Condition and inspection
Defects, wiring, waterproofing and other repair items change your real entry price — check them before you make an offer, not after.
Title and tenure
Freehold vs leasehold, remaining lease years, individual vs strata title, and whether the title has actually been issued all affect financing and resale.
Offer and negotiation
Comparable transacted prices, the booking fee, and the seller's situation all shape how much room you have to negotiate.
Transaction cost and timeline
Legal fees, stamp duty, loan documentation and a realistic weeks-to-keys timeline so there are no surprises after you sign.
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