COE Insights

Data

COE and Household Income: How to Make a Fair Comparison

Define the household income measure and COE period before interpreting a ratio, and distinguish it from a complete affordability budget.

6 Apr 2026 · 2 min read

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Guide

Car Loans in Singapore: LTV, Flat Rates and Real Repayments

Understand the borrowing ceiling, compare effective interest rates and check the full repayment cost without treating housing TDSR as a car-loan budget.

26 Mar 2026 · 3 min read

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Guide

Revised Off-Peak Car Scheme: Does It Fit Your Driving?

Compare ROPC benefits with restricted-day use and distinguish the current scheme from legacy weekend and off-peak registrations.

21 Mar 2026 · 3 min read

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Analysis

COE Prices Through Crises: How to Read the Historical Evidence

Compare COE results around economic disruptions while accounting for category changes, suspended exercises and the difference between correlation and cause.

27 Feb 2026 · 3 min read

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Data

The $2 COE in November 2008: The Result and the Auction Mechanics

What LTA recorded in the $2 Category A exercise, how the clearing mechanism works, and why a historic premium is not an investment return.

9 Feb 2026 · 3 min read

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Guide

Can You Afford a Car on a $4,000 Salary?

Use take-home income, living costs, deposit and a stress-tested car budget instead of treating gross salary or a loan ceiling as an affordability verdict.

24 Jan 2026 · 3 min read

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Guide

Car Loan Rates: Fixed vs Variable, Flat vs Reducing Balance

These are two different distinctions. Compare the calculation basis, rate-reset terms and full payable cost before deciding between loan offers.

17 Jan 2026 · 2 min read

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