TLDR Jayson Ang's Singapore Property Newsletter offers valuable insights on real estate investments, market trends, and expert advice. The newsletters cover a range of topics from property valuation to investment...
Discover the Optimal Timing to Invest in Singapore Real Estate: Unveiling Historical Insights
TLDR When considering the best time to buy or sell a property in Singapore, historical data analysis reveals key insights. Shorter holding periods, influenced by factors like the Total Debt...
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4 Intriguing Property Trends in Singapore for 2024
TLDR The dynamic shifts in Singapore's real estate market following Covid, highlighting three key trends: the surprising resilience of the luxury property sector despite heightened ABSD rates, the cautious approach...
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Can You Still Make Money from Older Freehold Condos in Singapore
TLDR While freehold condos might seem like a solid investment, the rise of new developments and aging buildings cast doubt on their long-term value. Data shows that younger freehold condos...
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Thinking About Investing In An Old Landed Property In Singapore? 7 Crucial Tips To Keep In Mind Before You Make Your Move
TLDR Older properties come with unique challenges due to outdated design elements, potential roofing issues, odd land shapes, basement drawbacks, plumbing concerns, uneven floors, and insect infestations. These issues may...
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Pitfalls of Owning a Boutique Condo: 5 Insider Insights You’ll Wish You Knew Earlier
TLDR When considering boutique condos, be mindful of potential drawbacks such as dominating families influencing rules, lack of privacy due to close quarters, high maintenance fees from exclusive management, vulnerability...
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4 Fresh Trends among Young Homebuyers Could Shake Things up in Singapore’s Real Estate Scene
TLDR Younger generation in Singapore is reshaping house hunting by showing a preference for quality of life over location. Millennials are exploring less popular neighborhoods, embracing vintage properties like walk-ups,...
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Budget 2024: What To Expect For The Singapore Residential Market?
TLDR In 2025, owner-occupiers of residential properties can benefit from property tax relief based on the Annual Value Band. Retirees facing cash flow issues can opt for a 24-month installment...
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I Decided to Pay the Additional Buyer’s Stamp Duty to Purchase a Condominium While Retaining My HDB: My Reasons
TLDR Despite a 20% Additional Buyer’s Stamp Duty (ABSD) for second properties in Singapore, Yang chose to hold onto his HDB flat and purchase a two-bedroom condo. Yang downsized from...
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Are You Considering Paying Off Your Mortgage Loan Ahead of Time? Is It the Right Financial Move?
TLDR When considering mortgage options in Singapore, it's essential to understand the differences between HDB loans and bank loans. HDB loans offer a lower down payment and fixed interest rates,...
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Why Can’t We Have More Housing Options For Singles?
TLDR The blog post discusses the evolving regulations for single individuals to purchase public housing in Singapore. It highlights the journey of Lee Siang, a logistics expert, who faced restrictions...
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7 Frequently Overlooked Questions That New Condo Buyers Should Ask At The Showflat To Avoid Any Regrets In The Future!
TLDR Newly launched condominium buyers face uncertainties about price changes, proximity to schools, construction methods, maintenance costs, elevator availability, commercial management, and waste disposal systems. Understanding these factors can impact...
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6 Compelling Reasons Why 3-Bedroom Condos Might Shrink Further
TLDR Three-bedroom units in Singapore have significantly downsized from 1,700-1,800 sq. ft. in the 1980s to around 1,000 sq. ft. today. Recent launches show sizes ranging from 893 to 1,302...
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The Significance of Choosing the Right Condo: A Real-Life Tale of Two $1.8 Million Investments with Significantly Different Results.
TLDR When contemplating property investments in Singapore, consider various factors like rental performance, unit count, access to train lines, and prospects of the surrounding neighborhood. Duo Residences and Robin Residences...
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Should You Purchase a Small Landed Home or a Larger Condo? Insights from Singaporeans
TLDR When deciding between a compact landed house and a spacious condominium, consider key factors like security, parking, maintenance costs, pest control, customizability, and neighbor situations. Condos generally offer 24/7...
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Transforming Your Home Loan Situation with Rate Cuts
TLDR When comparing fixed and floating mortgage rates, the present fixed rate of 3% is favorable, but predictions hint at rates dropping further in 2024. Choosing between fixed rate packages...
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6 Hot Property Market Trends in Singapore 2024: What Buyers Should Anticipate
TLDR When diving into Singapore's property market, expect a rollercoaster ride as trends shift drastically in 2024. Landlords and tenants are leveraging higher occupancy limits, while a shift towards variable...
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Why Some New Condo Releases Outperform Others
TLDR When it comes to the real estate market, familiarity plays a crucial role in the success of larger condo projects like Lentor Mansion, compared to smaller boutique condos. Developers...
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Singapore’s Property Market: Will the Newly Proposed 2023 Cooling Measures, Including a 60% Foreigner ABSD, Make Waves or Mere Ripples?
TLDR The recent surge in Additional Buyer's Stamp Duty (ABSD) rates in Singapore targets mainly foreigners and entities, with rates skyrocketing to 60% and 65%, respectively. This move aims to...
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Sell High Buy High : Will This Still Make You a Profit?
TL;DR Summary: Timing of Property Sale: Selling high and buying high may seem counterintuitive, but understanding market dynamics can yield substantial profits. Wealth Multiplication: Early sale post-Temporary Occupation Permit...
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Quick Guide for Condo Sellers: Timeline to Sell Condo in 2023
TLDR When selling a condominium in Singapore, understanding the critical steps is key. First, ensure you are not liable for Seller's Stamp Duty (SSD). Conduct thorough market research to set...
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Singapore Property Bubble Ahead? My Friends Share My Market Predictions
TLDR The author delves into various opinions on the Singapore property market for the year 2023. Experts have differing views on transaction volumes and price movements, with some anticipating stability while others predict fluctuations. Factors such as interest rates, new launches, and market trends are discussed. The post also offers insights for first-time homebuyers in...
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My 6 Factors to Consider When Buying a Property in 2023
As the housing market shows no signs of slowing down, many of us may feel left behind, questioning whether it is time to purchase a home or wait for the market to level out. Recently, some of my clients opened up about their own experience about selling their property last year, fearing that inflation and...
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Singapore Property Price Set to Explode Upwards in 2024?
TLDR Understanding the factors influencing property prices in Singapore for 2024 can help in making informed decisions. Despite high rental rates and rising mortgage rates, property prices have continued to climb. The government's cooling measures have segregated the HDB and private property markets, affecting property valuations. Sellers holding multiple properties are driving the market, while...
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Breaking Through the Stalemate of En Bloc Sales
TLDR The Singapore property market faces challenges with the ongoing en bloc stalemate. Lower success rates, higher development risks, and elevated seller expectations characterize the current cycle. To break the deadlock, focusing on smaller sites with attractive features is key. Opportunities in the Core Central Region and the East offer potential for developers. Collective sales...
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35 Brand New Condominiums Nearing Their ABSD Deadline 2023
TLDR The blog post discusses the looming ABSD deadline for several new launch condos in 2023, highlighting the impact on developers and potential discounts for buyers. Specific projects like Riviere, Royalgreen, One Pearl Bank, and The Landmark are analyzed for their sales progress and remaining units. Additionally, the post touches on strategic real estate advice...
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Discover 11 Helpful Tips for Buying an Older Condo : A Comprehensive Guide for Buyers
TLDR When considering purchasing an older resale condo, ensure you investigate potential en-bloc bids, lift conditions, parking conveniences, playground safety, unit size and design flexibility, leaks, plumbing, gate accessibility, useful facilities, resident makeup, renovation timelines, and more. These factors play a crucial role in making an informed decision regarding the purchase of an older condominium....
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Case Study : With Income Of $180K per Annum, Which Options Should I Choose?
TLDR When making property decisions in Singapore, it's crucial to consider various factors like affordability, loan-to-value ratios, and CPF requirements. Options include upgrading to a freehold condo in specific districts, saving for an additional investment property with ABSD implications, or upgrading to a larger HDB flat. Exploring leasehold options widens choices. Due to eligibility constraints,...
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HDB Loan Vs Bank Loan: Pros & Cons
TLDR When deciding between an HDB loan or a bank loan for purchasing a property in Singapore, consider key factors such as down payment requirements, interest rates, stability of payments, loan-to-value ratios, early repayment penalties, forgiveness in case of late payments, and refinancing options. HDB loans offer lower down payments payable by CPF, stability in...
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Reach Your Goal of Owning a Flat Before You Turn 35 : Money-Saving Strategies
TLDR Jayson Ang provides valuable insights on money-saving strategies to achieve the goal of owning a flat before turning 35 in Singapore. The post covers essential tips on managing CPF contributions, setting aside a portion of your salary, investing in endowment or blue-chip plans, avoiding credit card debt, and choosing loans with the lowest interest...
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Planning for Retirement: Considerations for Downsizing Your Property
TLDR Downsizing your home for retirement can bring financial security, closer family ties, and new adventures. Consider the benefits of a smaller space, convenient amenities, and personal office setup. Think about future needs, storage solutions, and accommodating visitors. Evaluate furniture choices, financial goals, and long-term plans for accessibility. Embrace change for a positive retirement experience...
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Learn How To Negotiate For The Best Price When Purchasing a Resale HDB Flat
Navigating the complexities of purchasing a resale HDB flat requires honing negotiation skills and market awareness. Understanding property valuations, seller motivations, and setting a realistic budget are key. Thorough research, strategic offers, and maintaining composure during negotiations are crucial. Remember, staying within your financial limits and being prepared to walk away if needed ensures a...
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What is Buyer’s Stamp Duty (BSD) in Singapore and How Does It Work?
TLDR When it comes to navigating the Additional Buyers Stamp Duty (ABSD) in Singapore, legal strategies are available to overcome challenges and acquire multiple properties. Consider factors like valuation reports, BSD rates for residential and non-residential properties, and the impact of increased taxes on real estate investments. Understanding the connection between BSD and ABSD is...
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CPF Accrued Interest On Housing: Learn What It Is and How to Calculate It
TLDR Understanding the CPF accrued interest on housing loans is crucial for Singaporean homeowners. When using CPF funds to finance a property, repayment includes the principal amount borrowed plus accrued interest at 2.5% annually. Paying off the amount earlier can minimize interest charges. Proceeds from property sale cover the CPF funds owed. Consider the implications...
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Get Into Core Central Region Before Big Price Adjustments
TLDR Jayson Ang discusses the essential factors to consider when seeking a property for investment. By analyzing the safe entry price and price gap, clients can make informed decisions. The case study of Cairnhill 16 highlights its attractive entry point compared to other regions, positioning it as a smart investment choice. With the narrowing price...
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What Will Happen When Your 99-Year Housing Lease Expires?
TLDR We delve into the challenges faced by Singaporeans with expiring 99-year housing leases. It explores the types of leases in Singapore, what happens when a lease ends, and options available to HDB flat and private property owners. For HDB flat owners, the Selective En bloc Redevelopment Scheme (SERS) and buying another 99-year lease flat...
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How to Maximise Your Home Value Before Selling : 6 Simple Steps
TLDR When looking to sell your home, consider simple ways to boost its value without costly renovations. Organize living spaces, refurbish old furniture, upgrade the kitchen, reduce personal touches, create the illusion of space, and change lighting fixtures. These improvements can make your home more appealing to potential buyers without breaking the bank. If You're...
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6 Must-Know Factors to Consider When Purchasing a Resale HDB in 2023
TLDR When buying a resale flat in Singapore, make sure to walk around the neighborhood to assess actual distances, check the unit's orientation using a mobile app, test the water heaters, inspect for loanshark activities, visit the flat at different times of the day to gauge noise levels, and evaluate nearby amenities. Additionally, perform a...
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6 Myths About Using Your CPF For Housing
TLDR When it comes to purchasing a house in Singapore using CPF funds, there are several myths that need to be debunked. From the misconception that grant money needs to be returned to the government to the belief that CPF funds can only be used for HDB loans, there are various aspects to consider. It's...
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Avoid The Possibility Of Negative Cash Sales: Find Out How Much Your HDB Has To Appreciate To Steer Clear Of It!
TLDR When selling your property, watch out for negative cash sales that could leave you with no money after CPF refunds. Consider factors like property appreciation, loan repayments, and market trends to avoid financial setbacks. Upgrading to a condo may require significant value appreciation in your HDB flat. Be cautious of bank loan challenges and...
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How Can Real Estate Investment Help You to Combat Inflation?
TLDR When it comes to real estate investments in Singapore amidst rising inflation rates, consider strategies such as capitalizing on property price increases, adjusting rental rates, opting for fixed-rate mortgages, and investing in revenue-producing properties for retirement savings. Focus on properties with short-term leases, passable price increases to tenants, and those in desirable locations. With...
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