Live in private beta · WhatsApp-first
Property answers, computed — not guessed.
AI property advisory for Singapore. Stamp duties, loan limits and CPF rules computed from official sources, then explained for your situation — free, on WhatsApp. Live in private beta.
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We’re Singapore Citizens and we own an HDB flat. If we buy a S$1.5 million condo before selling, how much ABSD do we pay?
As a Singapore Citizen buying a second residential property, ABSD is 20% — on a S$1.5 million condo, that’s S$300,000, payable on top of Buyer’s Stamp Duty. If you sell your flat first, the condo counts as your only property and no ABSD applies; as a married couple, you may also be able to claim an ABSD refund if you sell the flat within six months of the new purchase. Tell me your timeline and I’ll work through the conditions with you.
Source: IRAS, ABSD rates from 27 Apr 2023Why not just ask ChatGPT, Gemini or Claude?
Dex is built for one thing — Singapore property.
DexBuilt on Singapore’s actual laws & rules — IRAS, HDB, MAS, CPF. Always current.
Other AIGuesses from general training. Can quote a rule that’s out of date.
DexBacked by 360,000+ official Singapore transaction records.
Other AINo real Singapore transaction data to draw on.
DexRemembers your situation — no repeating yourself. Say “forget me” anytime.
Other AIStarts cold. You explain your situation every time.
Grounded in real data and the exact rules — not guesswork.
Built to be right
360,000+ official records
Built on 360,000+ official transaction records — HDB resale data via data.gov.sg and URA private-market data.
Computed, never guessed
Every regulated figure is computed by a deterministic rules engine, from versioned rules citing IRAS, HDB, MAS and the CPF Board — never guessed by a language model.
Free for consumers, forever
Free for consumers, forever. Advice is never paid for.
The information exists. The clarity doesn’t.
The facts about buying property in Singapore are all out there — scattered across IRAS pages, HDB rules, MAS notices and a hundred forum threads. Ask three people the same question and you’ll get three different answers. And when the question is stamp duty or a loan limit, a wrong answer isn’t a small thing: it can mean tens of thousands of dollars, or a deal that falls through. You deserve one place that simply gets it right.
How Dex works
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Ask in plain language.
Message Dex on WhatsApp the way you’d text a knowledgeable friend: “What’s my ABSD if we keep the flat?” No forms, no jargon required.
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The numbers are computed, never guessed.
Every regulated figure — stamp duties, CPF usage, loan limits — comes from a deterministic rules engine built on versioned rules that cite official sources: IRAS, HDB, MAS and the CPF Board. Each rule carries an effective date, and regulatory changes are monitored so the rules stay current.
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The AI explains what it means for you.
Your citizenship, your property count, your timeline — Dex turns the right numbers into a clear next step for your situation.
What you can ask
- What’s my ABSD on a second property?
- How much Buyer’s Stamp Duty on a S$1.2m condo?
- Do I pay Seller’s Stamp Duty if I sell within four years?
- How much CPF can I use for my home?
- How do TDSR and MSR limit my loan?
- What’s the LTV limit on an HDB loan?
- Which grants do first-timer couples qualify for?
- When does my MOP end?
- Is decoupling worth it for us?
- Should we sell first or buy first when upgrading?
See the working, before you ask
Five of the questions that decide the largest sums in a Singapore property purchase — each answered with the rule, the date it took effect, the arithmetic worked out step by step, and links to the official IRAS, HDB, CPF Board and MND pages so you can check every figure against the source.
Private by design
Your conversations are encrypted at rest, never sold, and never shared with anyone. We never collect your NRIC. Any aggregated analytics we use to improve Propdex are bucketed and de-identified. What you tell Dex is used to advise you — nothing else.
Advice is never paid for
Propdex is free for consumers — not free for now, free forever. We take no transaction commissions, no one can pay to be recommended, and we have no listings or inventory to push. Dex advises; Propdex does not act in your transaction.
Frequently asked questions
Is Dex free?
Yes — free for consumers, forever. Advice is never paid for: we take no transaction commissions, and no one can pay to influence what Dex tells you.
When does Propdex launch?
Propdex is live in private beta, starting on WhatsApp, with a web app to follow. Tap Join via WhatsApp and send the pre-filled message from your number; Propdex will add you to the private beta and Dex will reply with its hello so you can start.
How do I know the numbers are right?
Every regulated figure — stamp duties, CPF usage, loan limits — is computed by a deterministic rules engine from versioned rules citing official sources (IRAS, HDB, MAS, CPF Board), never guessed by a language model. Each rule carries an effective date, and regulatory changes are monitored so the rules stay current. Market context draws on 360,000+ official transaction records from data.gov.sg and URA.
What happens to my data?
Your conversations are encrypted at rest, never sold, and never shared with anyone. We never collect your NRIC, and any aggregated analytics are bucketed and de-identified.
Is Propdex a property agency?
No. Propdex is independent and agency-neutral. We don’t list properties, earn commissions, act in transactions or push you towards any property.
Who is behind Propdex?
Propdex Private Limited (UEN 202699899K), incorporated in Singapore in 2026 and registered at 2 Venture Drive, #19-18, Vision Exchange, Singapore 608526. Questions? Write to hello@propdex.ai.
To make property easy for everyone.
That’s why Propdex exists. Live in private beta in Singapore — on WhatsApp first, with a web app to follow. Join the waitlist and be among the first to try it.
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