Hang-on! Lets get the info to the OP correct. Some of those statements are bogus.
MKB (Marina Keppel Bay) is NOT a short term based marina. I have kept my boats there for 3 years now - ongoing. Others have been there since its existence, some 6 yrs.
Today, there are spaces available but its tight and getting tighter. Royal Singapore Yacht Club has berths, Punggol has berths/moorings. They are less glossy than 1-15 and MKB but they are available. Raffles is full but has a lot of transient boats - its a matter of timing and if you go via an agent (Simpson) your chances improve. You can also berth in Johor at a few marinas
which are much less expensive but of course further away.
Finance companies do, today, have plenty of experience with providing loans to private boat owners. A majority of Singaporean boats are financed. Finance, via both Sinapura Finance and Hong Leong is available (there are others now) if you meet their conditions i.e. boat registered, tax paid, in Singapore, you are on a EP or higher, etc. Ive financed my first boat with SF and agree that you must to read the T&Cs - which are negotiable.
PPCDL is a minimum requirement for all Singaporean boat owners regardless of whether its power or sail. Its not an easy exam to pass!
At the moment, MKB is the only institution in Singapore offering an array of approved RYA courses from Competent Crew to Coastal Skipper
including YM exams. They have two highly recommended instructors. I think its on the expensive side but ... this is Singapore, whats not!
Windstorm, if you want some additional advise for navigating Singapore boat world, contact me.
S/Y Emerald Sea