SINGAPORE - The Government's latest property market cooling measures, unveiled in January, were the toughest yet, hitting both the residential and industrial sectors.
But one group emerged unscathed: local first-timers in the market.
The Government said the measures were necessary to prevent prices from "running further ahead of economic fundamentals", hurting housing affordability for Singaporean first-time home buyers.
The measures included raising the additional buyer's stamp duty by between 5 and 7 percentage points across the board, and this was extended to apply to permanent residents buying their first home and Singaporeans investing in their second residential property.
Now that first-time home buyers have a healthy edge, many are perhaps contemplating taking the big step.
But buying a private property can be a lengthy and complicated process, especially for first-timers.
Buyers have to juggle a mortgage, legal processes and stamp duty - and deal with various parties.
The Sunday Times looks at what first-time home buyers should expect before writing that cheque for their new home.