Terms of Use

This website is operated by Afdzal Ulhaq, Associate Senior Marketing Director of Huttons Asia Pte Ltd. By using it you agree to these terms. If you do not agree, please do not use the website.

You agree to use the website lawfully, to give accurate details when you contact us, and not to misuse it, interfere with it, or try to gain access to parts of it that are not meant for you.

The information on this website is general and is not financial, legal or tax advice. Afdzal Ulhaq is a property salesperson, not a licensed financial adviser, and nothing here is a recommendation to take up any loan or financial product. Speak to a qualified professional about your own situation before you decide.

The budget calculator gives estimates from the figures you enter and from assumptions about housing grants, loan limits, interest rates and cash and CPF requirements. Those rules and rates change, and the actual amounts depend on your circumstances.

Treat every result as indicative only. It is not an offer, a quotation or an approval. Before you commit to a purchase, confirm your eligibility and loan amount with the relevant authorities and your bank, for example by obtaining an HDB Flat Eligibility letter and a bank in-principle approval.

Listings, prices, project details and photos are shown for general information, may change or be withdrawn without notice, and may not be current. Nothing on this website is an offer to sell or lease. Some links lead to third-party sites, which we do not control and are not responsible for.

The content of this website, including text, logos, graphics and photographs, belongs to Huttons Asia Pte Ltd or its licensors and is protected by law. You may view it and share a link to it, but you may not copy, modify or reuse it for commercial purposes without our written permission.

To the fullest extent permitted by law, Huttons Asia Pte Ltd and Afdzal Ulhaq are not liable for any loss or damage arising from your use of, or reliance on, this website or its calculators, or from the website being unavailable or containing errors. Nothing in these terms limits any liability that cannot be excluded under Singapore law.

How we handle personal data is set out in our Privacy Policy, which forms part of these terms.

We may update these terms from time to time. The version on this page is the current one, and your continued use of the website means you accept it.

These terms are governed by the laws of Singapore, and the courts of Singapore have jurisdiction over any dispute arising from them.

Questions about these terms can be sent to Afdzal Ulhaq by email realtoronascooterr@gmail.com, or phone or WhatsApp +65 9828 0736.