Be wary of listings with prices significantly below market rate, requests for payment before viewing, or landlords who can't meet in person. Verify ownership through property records if possible. Never transfer large sums without seeing the property and meeting the actual landlord or authorized agent. Use secure payment methods and get proper receipts for all transactions.
Deposits are security against damage and unpaid bills, usually returned after handover if conditions are met. Read the break clause carefully, including notice requirements, potential fees, and whether a replacement tenant is allowed. Keep everything documented and dated.
You need to plan beyond just monthly rent. Budget for your security deposit, utility bills (electricity, water, gas), internet, and any regular maintenance or air-con servicing costs. Also factor in moving expenses and possible agent fees.
Request to see the landlord's NRIC and property ownership documents or tenancy agreement if they're a main tenant. Check property records through official channels if needed. Be wary of landlords who refuse to meet in person, demand cash-only payments, or pressure for immediate decisions. Legitimate landlords will provide proper documentation and allow reasonable verification time.
Save the signed agreement, inventory, payment receipts, and all maintenance chats. Store dated photos of existing defects and meter readings. Keeping a single folder prevents disputes and speeds up deposit discussions at the end.
Modern units may include smart locks, video intercoms, app-controlled air-conditioning, or smart lighting. Understand how these systems work and whether you'll have admin access. Check if these features increase your rent or utility costs, and ensure you're comfortable using the technology.
Furnished units have basic furniture and appliances provided, so moving in is easy but inspect condition and note what’s included. Unfurnished units come empty, meaning you must furnish the place yourself. It’s more work upfront, but you get to decorate it your way. Consider delivery logistics, lift bookings, storage needs, and whether you’ll keep or sell items at lease end.
Landlords typically have property insurance, but this doesn't cover your personal belongings. Consider renter's insurance for your possessions and personal liability. Some policies cover temporary accommodation if the unit becomes uninhabitable. Check if your landlord requires you to have insurance and understand what's covered under their policy versus what you need to protect yourself.
Not all HDB blocks have lifts on every floor. In some older blocks, the lift may stop only on certain levels, meaning you’d need to take the stairs for a floor or two. Check if the flat’s floor has direct lift access for convenience, especially if you have lots to carry or anyone with mobility issues. (Newer blocks usually have lifts on every floor.)
No private pools or gyms, but you’ll find community clubs, sports centres, and public pools nearby. Many tenants prefer the neighbourhood feel and everyday convenience.