<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9">
  <url>
    <loc>https://tribesg.com/insights/sold-in-year-three-absd-remission-expired</loc>
    <news:news>
      <news:publication>
        <news:name>TRIBE</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-30T00:00:00+08:00</news:publication_date>
      <news:title>She Sold in Year Three. The S$376,000 Refund Expired in Month Six.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://tribesg.com/insights/ipa-to-otp-clocks-nobody-explains</loc>
    <news:news>
      <news:publication>
        <news:name>TRIBE</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-30T00:00:00+08:00</news:publication_date>
      <news:title>IPA to OTP: The Clocks Nobody Explains</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://tribesg.com/insights/hdb-valuation-cov-what-a-flat-is-worth</loc>
    <news:news>
      <news:publication>
        <news:name>TRIBE</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-29T00:00:00+08:00</news:publication_date>
      <news:title>Valuation, COV, and What a Flat Is Really Worth</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://tribesg.com/insights/freehold-vs-99-year-what-the-data-says</loc>
    <news:news>
      <news:publication>
        <news:name>TRIBE</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-07-29T00:00:00+08:00</news:publication_date>
      <news:title>Freehold vs 99-Year: What the Data Actually Says</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://tribesg.com/zh/insights/sold-in-year-three-absd-remission-expired</loc>
    <news:news>
      <news:publication>
        <news:name>TRIBE</news:name>
        <news:language>zh-cn</news:language>
      </news:publication>
      <news:publication_date>2026-07-30T00:00:00+08:00</news:publication_date>
      <news:title>她在第三年卖掉了。那 37.6 万元退税在第六个月就已作废。</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://tribesg.com/zh/insights/ipa-to-otp-clocks-nobody-explains</loc>
    <news:news>
      <news:publication>
        <news:name>TRIBE</news:name>
        <news:language>zh-cn</news:language>
      </news:publication>
      <news:publication_date>2026-07-30T00:00:00+08:00</news:publication_date>
      <news:title>从 IPA 到购买权书：没人跟你解释的那几个时钟</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://tribesg.com/zh/insights/hdb-valuation-cov-what-a-flat-is-worth</loc>
    <news:news>
      <news:publication>
        <news:name>TRIBE</news:name>
        <news:language>zh-cn</news:language>
      </news:publication>
      <news:publication_date>2026-07-29T00:00:00+08:00</news:publication_date>
      <news:title>估价、溢价（COV），与组屋的真正价值</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://tribesg.com/zh/insights/freehold-vs-99-year-what-the-data-says</loc>
    <news:news>
      <news:publication>
        <news:name>TRIBE</news:name>
        <news:language>zh-cn</news:language>
      </news:publication>
      <news:publication_date>2026-07-29T00:00:00+08:00</news:publication_date>
      <news:title>永久地契 vs 99年地契：数据到底怎么说</news:title>
    </news:news>
  </url>
</urlset>
