# TRIBE — Singapore Property, Scored. TRIBE is an independent Singapore property advisory firm publishing two proprietary scoring frameworks: RPS (Resale Project Scorecard) and NPS (New Project Scorecard). All methodology is publicly disclosed. ## About the author Silas Tan is the founder of TRIBE and creator of RPS. Singapore-licensed real estate professional, CEA registration R000303I. Former Assistant Vice President in Mortgage Banking at OCBC Bank. District Director at Huttons Asia. ## Key resources - /rps — Resale Project Scorecard. 2,357 Singapore condos graded S to D across 7 weighted factors. Built on 236,000+ URA REALIS transactions. - /nps — New Project Scorecard (live). Singapore new launches graded on a distinct 5-factor, district-weighted framework (capital appreciation, rental growth, schools, MRT, project size) — separate from the RPS resale model. - /about/methodology — Full public methodology, factor weights, and data sources for RPS and NPS. - /insights — Editorial archive: district analysis, banker-lens explainers, new launch verdicts. - /rss.xml — RSS 2.0 feed of the latest insights (EN). ZH feed at /zh/rss.xml. - /tools/affordability — Affordability Assessment (TDSR/MSR). Max loan, property price, and downpayment under the 55% TDSR and 30% MSR caps across private, EC, and HDB, at standard and extended tenure. - /tools/decoupling-calculator — Decoupling Calculator. BSD/SSD on the transferred share, the CPF refund and net cash freed, the income needed to carry the loan solo, and the ABSD avoided on the next purchase. - /tools/amortisation-calculator — Mortgage Amortisation Calculator. Full repayment schedule: monthly instalment, principal vs interest per payment, year-by-year balances, total interest over the tenure. - /tools/pledging-calculator — Pledging / Unpledging Calculator. Extra loan capacity from assets under TDSR: pledged 48 months at 100% recognition vs shown at 30%, with the 55% cap correctly applied. - /tools/age-to-mortgage — Age-to-Mortgage Projection. Year-by-year max loan as a buyer ages: the age-65 tenure cap, the post-35 decay, and whether income growth outruns it. - /tools/new-sale-vs-resale — New Launch vs Resale Condo Calculator. Same budget compared over a chosen horizon: progressive-drawdown vs full-loan interest, side-specific costs, growth per side, net profit and return on cash deployed. - /planner — Purchase Planner hub. Four price-first paths: key in a purchase price, get the deposits, downpayment, duties, and the chronological order of payments. - /planner/resale-hdb — Resale HDB Purchase Planner (price-first). Option fee, exercise deposit, HDB loan vs bank loan, and the payment order to key collection. - /planner/resale-condo — Resale Condo Purchase Planner (price-first). The 1% and 4% deposits, duties, and the payment order to completion. - /planner/new-sale — New Condo Purchase Planner (price-first). Progressive Payment Scheme stage by stage: booking, exercise, BSD/ABSD deadlines, construction-stage payments, loan drawdown, and the instalment ramp to TOP/CSC. - /planner/new-ec — New EC Purchase Planner (price-first). Payment order for a new Executive Condominium, including bridging and deferred vs progressive schemes. - /planner/buy — Maximum Budget Calculator (private property). Top-down budget from income, cash, CPF, TDSR, LTV, and stamp duties. - /planner/hdb — HDB Maximum Budget Calculator. Maximum resale flat budget under the 30% MSR: HDB loan (2.6%) vs bank loan (3% floor, 5% cash rule), cash/CPF/grants (grants self-declared from HDB's tools), BSD, and the binding constraint named. - /planner/ec — EC Maximum Budget Calculator. Maximum new-launch Executive Condominium budget: MSR 30% + TDSR 55% dual cap at the 4% floor, 5% cash floor, self-declared grants and resale levy, reflecting the 8 May 2026 measures (10-year MOP, 15-year privatisation, Deferred Payment Scheme removed, 90% first-timer quota). - /sale-proceeds — Sale Proceeds Calculator. Cash and CPF back from a sale after loan redemption and CPF refund. - /stamp-duty/buyers — Buyer's Stamp Duty Calculator. BSD marginal tiers plus ABSD by buyer profile (SC/PR/foreigner/entity), including the joint-purchase highest-rate rule. - /stamp-duty/sellers — Seller's Stamp Duty Calculator. Both SSD regimes: 3-year schedule (acquired 11 Mar 2017–3 Jul 2025) and 4-year 16/12/8/4 schedule (acquired from 4 Jul 2025). - /stamp-duty/rental — Rental Stamp Duty Calculator. Lease duty at the current flat 0.4% method with the AAR exemption. - /about/founders/silas-tan — Silas Tan, founder. - /about — About TRIBE. - /contact — Contact. ## RPS methodology summary RPS scores 2,357 Singapore private condominiums (excluding new launches without sufficient transaction history) across 7 weighted factors: - Project's Historical Performance (resale price performance vs same-vintage cohort): weight 25 - Primary School Effect (primary school proximity and popularity): weight 20 - Project Size: weight 16 - MRT Proximity (LRT-aware): weight 13 - Tenure: weight 10 - Rental Yield: weight 10 - Future Transformation (URA Master Plan 2025 zones, upcoming MRT): weight 6 Data sources: URA REALIS (236,000+ transactions over 20 years), OneMap (schools, MRT, LRT), MOE data (school popularity weighted by 3-year ballot demand), URA Draft Master Plan 2025, LTA rail network. Current grade distribution: S 216 (9%), A 477 (20%), B 958 (41%), C 485 (21%), D 221 (9%). Total scored: 2,357. ## Disclosure Silas Tan is a Singapore-licensed real estate professional, CEA registration R000303I, operating under Huttons Asia. RPS and NPS are TRIBE's proprietary scoring frameworks, independently developed. No payments from developers, banks, or third parties influence scoring methodology or outcomes.