房产搜索器

The Property Finder is a 5-step guided wizard that takes your personal profile, budget, location preferences, and investment goals, then returns a shortlist of matched condominiums from ShiokNest's database of 3,400+ tracked developments. Step 1 (Purpose) captures whether you are buying for own stay, investment, or both — plus your citizenship status and number of properties currently owned. The ABSD badge updates in real time so you immediately see the stamp duty rate your profile triggers. Step 2 (Budget) collects your minimum and maximum property price range, available CPF OA balance, cash for down payment, and optional monthly mortgage comfort level — and instantly displays your TDSR-derived maximum affordable price.

Step 3 (Location) lets you select market segments (CCR / RCR / OCR), specific planning districts, bedroom count, tenure preference (freehold / 99-year), and unit size range. Step 4 (Investment) collects your yield target, expected holding period, and assumed annual appreciation rate — inputs that feed the scoring model. Step 5 (Timeline) captures your buying urgency, which influences whether new-launch or resale-ready stock is prioritised. At the end, the wizard outputs a ranked shortlist of matched developments with ShiokNest scores, median PSF, gross yield, and MRT distance — plus direct links to each development's detail page and relevant calculators for the next step.

Most property searches start the wrong way: browsing listings by price or searching by district name, with no framework for evaluating whether a specific development actually fits your financial profile and investment criteria. The result is hours of browsing, dozens of viewings, and decisions driven by emotional reaction to the first property that "feels right." The Property Finder inverts this: it builds a structured specification from your actual constraints (TDSR limit, cash available, ABSD exposure, yield requirements) and then matches developments against that specification — before you visit a single showflat. This shifts you from a reactive browser to an informed buyer with a clear shortlist.

The most valuable step in the wizard is Step 1: the profile and ownership check. Many buyers do not realise that holding a property jointly with a spouse counts toward "properties owned" for ABSD purposes, or that having previously owned and sold a property triggers specific remission rules. The ABSD badge in Step 1 shows your exact rate as you toggle between citizenship and ownership combinations — which can mean the difference between $0 and $360,000 in stamp duty on a $1.8M purchase. Knowing this before shortlisting prevents you from spending weeks researching properties you cannot actually afford after ABSD.

The budget step is also where most buyers underestimate their constraints. The TDSR limit (55% of gross monthly income) caps your maximum loan, but most buyers work backwards from their CPF balance and cash savings without verifying whether the resulting loan is within TDSR. The wizard computes both simultaneously: your TDSR-derived maximum affordable price and your required cash-and-CPF at your budget maximum. If these numbers conflict — for example, if TDSR allows a $1.8M property but you only have $350,000 in CPF and cash (not enough for a 25% down payment) — the advisor surfaces that mismatch immediately rather than after you have signed an OTP.

The investment step captures information that most buyers think about after purchase, not before. Setting a yield target (e.g., 3.5% minimum) or a holding period (5 years vs 10 years) fundamentally changes which districts and property types should be on your shortlist. An OCR development with a 3.8% gross yield and high transaction velocity may score higher than a CCR development at 2.5% yield for an investment buyer — but the reverse is true for a lifestyle buyer who values prestige and lifestyle amenity. The wizard surfaces both dimensions side by side. Use the matched shortlist alongside the Affordability Calculator to stress-test the financing of your top picks before requesting a viewing.