Silas Tan
District Director · Huttons Asia Pte Ltd · Co-Founder, TRIBE · CEA R000303I
Ex-Mortgage Banker (AVP) · Property Investor · >1,000 families advised · >100 five-star ratings on PropertyGuru
Start Here
Where are you in the property decision?
Start with the path that matches your situation. The tools give you the numbers. TRIBE helps you read what they mean.
Buying a new launch
Compare projects, entry price and exit risk before you commit.
Explore new launches →Buying resale
Score the condo before you offer.
Score a resale condo →Upgrading from HDB
Plan sale proceeds, CPF refund, timeline and safety net before you move.
Plan my sell-buy move →Not sure what you can afford
Start with affordability and stamp duty.
Check my affordability →Want a second opinion
Send us the project, unit and price. We’ll pressure-test it.
Ask TRIBE →The first Singapore property scorecard with its full methodology public.
01
Independent
No project preference. We run the same seven factors, the same way, on every property.
02
Methodology Published
Every weighted factor, formula, and data source is public. Read it, stress-test it, disagree with it.
03
Data-Driven
236,000+ URA REALIS transactions analysed and 2,357 resale condos scored, refreshed every quarter.
7
RPS Factor Weights
Project's Historical Performance
25%
Primary School Effect
20%
Project Size
16%
MRT Proximity
13%
Tenure
10%
Rental Yield
10%
Future Transformation
Read full methodology →6%
New Launches
New Project Scorecard
An independent quality grade for active new launches, built on each district’s 10-year capital and rental trends plus the project’s own schools, MRT, and size, with a holding-period and buy-vs-resale calculator. The grade is open to all; the calculator is for our consultants.
Recently scored
Vela BayArdor ResidenceGrand DunmanArina East
See the latest grades →
Insights
Latest analysis.
28 July 2026 · Mortgage & Rates
$18,000 on Paper, $15,750 to the Bank: How TDSR Actually Counts Mixed Income
Fixed salary counts in full. Bonus, commission and rental income don't — MAS requires a 30% haircut on all of it. We run a mixed-income household's full pay slip through TDSR and find the bank sees $2,250 less every month than the household does.
Read article →
28 July 2026
The 15-Month Wait-Out Period Is Gone. Here's Who It Doesn't Apply To.
With immediate effect, private property owners no longer have to sit out 15 months before buying a non-subsidised HDB resale flat. But the removal is narrower than the headline suggests — a 30-month wait-out still applies to subsidised flats, ECs, and anyone needing an HDB loan.
Read article →
28 July 2026
Keep the Flat and Buy the Condo: The $450,000 Question
You don't have to sell your HDB to buy a condo. But three gates stand between you and that plan — MOP, a permanent 20% ABSD, and a loan haircut that depends on a detail most owners never check. We work the numbers on a $1.5M condo.
Read article →Purchase Planner
Know what you can afford.
Built by an ex-mortgage banker who’s advised 1,000+ families. The math you need before you fall in love with a unit.
Client Reviews
Trusted by the families we’ve advised.
5.0117 verified reviews on PropertyGuru“Silas Tan was a pleasure to work with in our property search. He doesn't push you and understands and prioritises the needs of his clients.”
“I highly recommend Silas Tan as a property agent of the highest calibre. … He gave sound advice, followed through on every commitment, and made what could have been a stressful journey a smooth and reassuring experience.”
“He provided clear, honest advice, kept us well-informed throughout the process, and always acted in our best interests.”
Hao Feng
District Director · Huttons Asia Pte Ltd · Co-Founder, TRIBE · CEA R064409H
Property Investor · A decade of sales experience in logistics · Systems and process
Personalised Consultation
A score is one part of the equation.
Your situation, budget, timeline, and goals decide the rest. Let’s build a plan around them.