Ownership Guide is an independent, model-driven website focused on the real cost of ownership in Singapore. We publish structured breakdowns for high-commitment decisions — especially where the biggest costs are hidden inside depreciation, liquidity impact, financing drag, and opportunity cost.
Core principle: monthly instalments are not the same as true cost.
Most ownership mistakes happen because decisions are made using a single visible number (the monthly payment), while the real exposure sits in depreciation curves, COE timing, resale liquidity, and risk volatility.
Singapore is the starting dataset because its ownership costs behave differently (COE, financing constraints, stamp duties, etc.). The modelling framework is designed to be extendable.
Each article is written as a decision framework. We aim to be transparent about assumptions and consistent in structure so pages are comparable.
Figures shown are simplified planning models — not quotes. Always validate with current COE results, actual loan offers, and insurer quotations.
Ownership Guide is not affiliated with any bank, insurer, vehicle dealer, property agency, or government body. We do not accept payments to publish favourable conclusions.
Ownership Guide may display advertisements (including Google AdSense) to support operating costs.
All content is provided for informational and educational purposes only. Nothing on this site constitutes financial, legal, tax, or investment advice.
You should do your own due diligence and consult licensed professionals where appropriate.
For corrections, feedback, or general enquiries, please use the Contact page.