Our Courses
Three courses. Each one a complete folder on its own.
Explore each course in full detail — what it covers, how it is structured, what you will have at the end, and whether it fits where you are now.
Back to HomeHow Padi Advisory courses are structured
Each course is built around the idea that understanding something difficult is easier when it arrives in small pieces, in a sensible order, with time to consider each one before moving on. There are no shortcuts, but there is no unnecessary padding either.
Readings are written to stand alone — you do not need to have the previous session in front of you to follow the current one. The worksheets are designed to accompany the readings rather than replace them.
Weekly readings
Short enough for one sitting, thorough enough to hold
Applied worksheets
Connect each topic to your own property
Term glossaries
Every technical word defined in plain language
Official references
Linked to HDB, CPF Board, IRAS, MAS sources
Understanding What You Already Own
Many Singaporeans have held their flat or private property for ten, fifteen, or twenty years without a clear picture of how it sits in their financial household. This course fixes that. It does not suggest what to do with your property — it explains what you have.
By the end of five weeks, you will understand your lease position, how CPF accrued interest has built up, what your Annual Value means for property tax, and how your housing loan functions relative to your wider finances.
What the course covers
- HDB flat tenure and the 99-year lease framework
- Private property title structures and what they mean
- How outstanding housing loans work and what they cost over time
- CPF accrued interest on property: what it is and how it accumulates
- Annual Value and how IRAS calculates your property tax
- How a home functions as both household shelter and household asset
Process — five weeks
Introduction to Singapore residential tenure types and ownership structures
Reading your title deed, HDB flat details, and outstanding loan statement
CPF accrued interest: mechanics, calculation, and what it means at sale
Annual Value, property tax tiers, and owner-occupied versus letting positions
Putting it together: completing your personal property summary worksheet
Course Fee
SGD 229
One-time payment, all materials included
Materials included
- Personal property summary worksheet
- Glossary of HDB and URA terms
- References to official CPF, HDB, and IRAS resources
Materials included
- Household options matrix
- Cash-flow checklist for housing decisions
- Preparation guide for adviser conversations
Reviewing Housing Decisions in the Middle Years
The middle years of homeownership often bring questions the purchase itself did not prompt: children have moved out, retirement is visible on the horizon, and the flat that made sense at thirty looks different at fifty. This course describes the options that typically arise — without nudging you toward any of them.
It covers the main regulatory frameworks that shape each option and presents honest counter-considerations alongside the attractions.
What the course covers
- Downsizing and right-sizing under HDB schemes
- Selling to unlock CPF: what the accrued interest rule means in practice
- Letting out a spare room: rules, cash flow, and tax treatment
- Additional Buyer's Stamp Duty on second properties
- TDSR, LTV limits, and MSR explained plainly
- Questions worth preparing before meeting an agent or mortgage banker
Process — eight weeks
Review of current property position and the reasons people typically consider a change
HDB right-sizing schemes: Silver Housing Bonus, Lease Buyback, and standard resale
Second-property considerations: ABSD, TDSR, LTV, and the CPF accrued interest effect
Completing the household options matrix and preparing for professional consultations
Course Fee
SGD 469
One-time payment, all materials included
Letting, Managing, and Holding Property with Care
Many people who let out a property in Singapore started without a clear picture of their legal duties, their tax obligations, or how to handle the inevitable complications of tenancy. This course is for those readers — not to tell them what they should have done, but to help them manage what they have more steadily from this point forward.
What the course covers
- What a fair and functional tenancy agreement contains
- The Residential Tenancies Act and how it applies to your situation
- Deposits, inventory management, and end-of-tenancy processes
- Maintenance: what the landlord is responsible for and what is the tenant's
- Income tax treatment of rental: what to declare and how
- Refinancing, early repayment, and longer-term holding considerations
- Passing property to heirs: basic succession considerations
Process — ten weeks
Understanding your position as a landlord and the Singapore tenancy framework
Agreements, deposits, and inventory: what a well-managed tenancy looks like on paper
During the tenancy: maintenance duties, dispute resolution, and the Residential Tenancies Act
Tax and financial management: declaring rental income, deductible expenses, and loan review
Longer-term questions: refinancing, succession, and knowing when to consult a lawyer or planner
Course Fee
SGD 799
One-time payment, all materials included
Materials included
- Tenancy review checklist
- Maintenance log template
- Directory of statutory and professional resources
Which course suits your situation?
The three courses address different situations. This comparison may help you identify where to begin.
| You are… | Course 01 SGD 229 |
Course 02 SGD 469 |
Course 03 SGD 799 |
|---|---|---|---|
| Unsure what your own property situation means | |||
| Considering whether to downsize or hold | |||
| Weighing a second property purchase | |||
| Already letting out residential property | |||
| Thinking about passing property to heirs | |||
| New to reviewing property documents |
Shared standards across all three courses
Updated twice a year
Content reviewed after each Singapore Budget and updated whenever the underlying policy changes.
Legally reviewed content
All sections involving tenancy law and property rights are reviewed by a practising Singapore solicitor.
No data sharing
Participant information is held in line with Singapore's PDPA and never passed to third parties.
Not sure which course to begin with?
Write to us with a few details about your situation and we will suggest the most suitable starting point — without any pressure to enrol in anything.
Request a Recommendation