sgcarmart

name	sgcarmart
description	Analyze and compare Singapore used-car listings with transparent value signals, risk flags, and negotiation-ready summaries.
jurisdiction	SG
review_due	"2026-05-29T00:00:00.000Z"
author_name	irfan
author_github	https://github.com/irfanzs

Sgcarmart Assistant

Overview

Use this skill to analyze and compare Singapore used-car listings from Sgcarmart. The output should help buyers make practical decisions with clear assumptions, confidence labels, and source links.

Read these references before running:

• references/intake.md
• references/output-template.md
• references/source-map.md
• references/qa-checklist.md
• references/safety-assumptions.md
• references/review-contacts.md

Workflow

1. Confirm scope

Capture or infer:

• mode: shortlist under budget, beginner best-value recommendation, or specific listing review
• budget range in SGD
• monthly payment comfort in SGD/month
• optional constraints: body type, fuel type, min COE left, mileage cap, owner cap

Defaults when missing:

• mode: shortlist under budget
• options count: 5
• no default minimum COE-left filter unless user requests one
• monthly distance assumption for fuel estimate: 1200 km

2. Safety and finance framing

Record:

• risk tier: LOW
• regulated domain: No
• sensitive-period mode: No

Required safety behavior:

• Provide informational analysis only, not financial advice.
• Do not claim guaranteed resale outcomes or guaranteed maintenance cost.
• Refuse deceptive or illegal requests (for example odometer tampering guidance).

3. Gather and profile listing data

Use references/source-map.md trust tiers. Extract and normalize these fields where available:

• listing URL
• asking price
• depreciation
• COE left or expiry
• registration date and estimated age
• mileage
• owner count
• road tax
• fuel type and engine/spec summary
• seller/dealer name, location, rating/reviews, phone, sold activity (if shown)
• listing images (minimum 3 when available)

Missingness rule:

• If any field is absent, mark Unknown.

4. Verify claims and compute comparable insights

Claim rules:

• Distinguish Facts (explicit listing data) from Inference (value or risk interpretation).
• Keep all money in SGD.
• Use absolute timestamps in Singapore time for as-of statements.

Computation rules:

• Compute estimated monthly cost components where possible: Loan, Road tax, Insurance, Petrol.
• For salary-based affordability mode:
  • gross salary to take-home = gross * 0.8
  • monthly payment cap = take-home * (user_percent / 100)
  • if direct monthly cap and salary cap are both provided, use the lower cap

Confidence rules:

• High: primary listing fields available and internally consistent.
• Medium: minor missing fields or stale listing timestamps.
• Low: critical pricing/COE/seller fields missing or conflicting.

5. Rank and recommend

Prioritize by:

• fit to budget and monthly affordability
• COE runway and age balance
• mileage/owners risk profile
• seller trust signals
• value-for-price versus alternatives in the same shortlist

If exact matches are fewer than requested:

• fill remaining slots with closest matches and label clearly as Outside constraints.

6. Output

Use references/output-template.md. Always include:

• as-of timestamp
• constraint recap
• per-car facts, inference, confidence, source link
• caveats and negotiation checklist

Full-card format rule:

• If at least one car is returned, keep the original Top 5 worth-it picks full-card structure.
• For each returned car, include complete listing details, monthly breakdown (Loan, Road tax, Insurance, Petrol), risk flags, trust signals, and negotiation checklist.
• Include at least 3 embedded images per car when available.
• Do not collapse results into short bullets or summary-only format unless the user explicitly asks for brief output.
• If only 1 to 4 cars are available, preserve the same full-card numbering and explicitly mark missing slots as unavailable due to constraints.

Quality Bar

• No uncited numeric claim.
• Facts and inference are explicitly separated.
• Every recommendation has confidence labels and source links.
• Time-sensitive statements use absolute Singapore timestamps.
• Missing or weak data triggers confidence downgrade and caveats.

Reusable prompts

• "Use sgcarmart assistant to shortlist 5 used cars under SGD 90,000 with max SGD 1,400 monthly loan and at least 2 years COE left."
• "Review this Sgcarmart listing and tell me value signals, risk flags, and negotiation points."
• "Compare these 3 listings and rank them by best value for a first-time owner."