TLDR When navigating the complexities of purchasing a property in Singapore, ensure you meet eligibility criteria, consider affordability factors, and plan your finances carefully. Key considerations include property types available...
Which Is Better For You: A 99-Year Leasehold Or Freehold Property Tenure?
TLDR When it comes to the choice between leasehold and freehold properties in Singapore, several factors must be considered. Leasehold properties are typically cheaper, offer higher rental yields, and can...
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Unpacking Property Ownership: Joint Tenancy vs. Tenancy-in-Common
TLDR When a property has multiple owners, the choice of ownership type is crucial to determine how shares are distributed upon a co-owner's passing. Joint tenancy involves unanimous decisions and...
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Should I Buy In A Newly MOP HDB Or An Older Resale HDB?
TLDR When deciding between a recently MOP-ed HDB property and an older resale HDB property in Singapore, various factors come into play. Consider your individual circumstances, future plans, renovation preferences,...
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44 Exciting New Condo Launches in 2024 Starting at $1,402!
Alright, let's talk about 2024. We're not expecting the same kind of shortages we've seen after COVID-19. Some folks are even guessing we might see north of 11,600 new units...
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Discover 7 New Condos Close to an MRT Station in 2023
TLDR When it comes to finding the perfect home near MRT stations in Singapore, several exciting new launches stand out in various districts. From Sceneca Residence in District 16 offering...
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ANALYSIS: Unveiling the HDB Towns with the Steepest and Lowest Price Surges!
TLDR The real estate market for HDB flats in Singapore has witnessed significant growth, with prices reaching new highs. The West Region saw the highest price increase, particularly in Bukit...
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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,...
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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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What Happens To Your Housing Loan Once You Sell Your House?
TLDR When selling your home in Singapore, ensure you pay off your outstanding home loan, refund any CPF monies used, and cover miscellaneous fees like agent commission and legal fees....
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Singapore Property Swapper
Jayson Ang, also known as the Singapore Property Swapper, is a certified Propnex agent and top 1% producer who helps clients identify stagnant property assets in their portfolio and swap...
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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,...
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Are Early Bird Discounts At New Launches Genuine Or A Marketing Gimmick?
TLDR When considering investing in new property projects, understanding developers' pricing strategies is crucial. Early bird discounts are not just sales tactics; they help developers manage risks and maintain profits....
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Don’t Miss Out: Take Control of Your Life in Your 30s and 40s
TLDR The stages of wealth management vary from ages 30 to 80, with different focuses and considerations at each stage: Age 30-40 (Wealth Accumulation): This period is for accumulating wealth,...
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5 Reasons Why You Should Consider Hiring an Agent Instead of DIY-ing It
TLDR Understanding the complexities of the real estate market and transactions can be overwhelming. Enlisting the help of a real estate agent can provide you with professional knowledge, non-emotional negotiations,...
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Why Can’t We Buy Low, Sell High?
Madam Tan voiced that approximately two years ago, when her apartment hit its minimum occupation period, she and her spouse deliberated over selling their abode, considering the favorable conditions for...
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Making Sense of 99-Year Landed Home Investments in Singapore
TLDR Investing in a 99-year leasehold landed property in Singapore can be a lucrative venture due to the country's land scarcity and strategic urban planning. While leasehold properties tend to...
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What’s Needed For Singapore To Lift Those Cooling Measures?
TLDR The blog post discusses the recent relaxation of real estate restrictions in Hong Kong, contrasting with Singapore's stricter regulations. It explores the impact on foreign investors, cultural influences, and...
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HDB Market Outlook 2023
TLDR: Understanding the HDB Market Outlook 2023 The HDB resale market showed resilience in 2022, with significant growth in sales and prices driven by factors like economic recovery and delays...
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Calculating Your Property’s Annual Value in Singapore 2024: A Simple Guide!
TLDR Understanding your property's annual value is crucial for determining property taxes in Singapore. The annual value is based on the estimated gross annual rent, excluding furniture and maintenance fees....
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Will New Launch Condos See a Drop in Prices Soon?
TLDR The real estate market in Singapore is experiencing a trend of lackluster bids for prime properties in various locations. Recent bids for land parcels near Springleaf MRT station and...
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What Factors Contribute To Singapore’s Real Estate Market Exhibiting Less Volatility Than Other Major Cities?
TLDR The Singaporean real estate market has remained stable due to government cooling measures. These include Additional Buyer's Stamp Duty (ABSD) and Seller's Stamp Duty (SSD) to regulate demand and curb speculation. Measures like Total Debt Servicing Ratio (TDSR) and Loan-to-Value (LTV) ratios protect buyers from overstretching financially. Public housing through HDB and CPF schemes...
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What Is Cash Over Valuation in HDB (COV)
TLDR Cash Over Valuation (COV) in HDB resale flats occurs when the purchase price exceeds HDB's valuation. COV cannot be covered by loans or CPF funds and must be paid in cash. Factors influencing COV include location, amenities, flat condition, and buyer's urgency. HDB stopped publishing valuations in 2014, leading to a decline in COV...
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Housing Affordability in 2023: Is Singapore Property Truly Unaffordable?
TLDR Singapore’s property market faces challenges with high prices, especially in private housing. While public housing remains more affordable, the gap between property prices and salaries raises concerns. The market is primarily driven by local residents, with younger buyers supported by intergenerational wealth transfer. The government aims to balance affordability with property investment interests through...
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How Much You Need to Earn to Afford a Condo 2023
TLDR When considering investing in a private property in Singapore, it's important to understand your borrowing capacity. Financial experts recommend that your monthly mortgage repayment should not exceed 30% of your gross monthly income. To determine the estimated monthly income needed to buy a new condo, factors such as location and type of property must...
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A Guide to Purchasing a New Launch Condo in Singapore in 2023
TLDR When buying a new launch condo in Singapore, start by planning your finances to determine loan and property limits. Shortlist condos based on factors like location, unit size, facilities, and market trends. Pay a 5% deposit, sign the Option to Purchase, engage a solicitor, and pay Buyer's Stamp Duty. Make payments progressively up to...
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What Is The Best Location To Purchase A House To Ensure Your Child Has The Highest Probability Of Attending A Well-Renowned Primary School?
TLDR Parents often seek homes within 1km of desired primary schools to increase enrollment chances. Consider oversubscription rates and population density. Properties near popular schools like Anglo-Chinese School (Junior) and Anglo-Chinese School (Primary) have seen price increases. Fairfield Methodist School (Primary) area lacks residential developments, leading to high property prices. Raffles Girls’ Primary School and...
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What Are The Key Factors That Contribute To Property Valuations And Why Are They So Crucial?
TLDR Understanding property valuations is crucial for both buyers and sellers in the real estate market. Property valuations involve two types: indicative and actual, conducted by licensed appraisers. Factors affecting property valuation include land value, property characteristics, rental incomes, and potential for redevelopment. Valuations impact loan amounts, taxes, and property decisions for buyers. Sellers benefit...
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7 Essential Steps to Sell Your House in Singapore
TLDR When preparing to sell your house, research the average prices in your area for a realistic figure. Consider factors like capital appreciation, rental yields, nearby sales, and sales volume. Decide on a pricing strategy exceeding the average but know when to reduce. Use uplights to enhance your property's appeal. Hire a home inspector to...
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4 Key Factors to Consider When Purchasing a Private Property for the First Time
TLDR When considering buying or selling property in Singapore, it's crucial to understand factors like Additional Buyer’s Stamp Duty, Loan-To-Value rates, Total Debt Servicing Ratio, and Property Tax changes. Recent updates include new laws on living trusts and increased property tax rates. To navigate the market effectively, seek strategic real estate advice and connect with...
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Discovering the Response of Private Property Owners towards the 15-Month Wait-Out Phase
TLDR The blog post discusses the impact of the 15-month wait-out period cooling measure on private property owners in Singapore. It highlights the rationale behind the measure, its effects on the real estate market, and provides two case studies on possible strategies to navigate the waiting period. Additionally, it explores the potential implications of buying...
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5 Techniques for Identifying Undervalued Properties in Singapore 2023
TLDR To spot undervalued properties in Singapore's real estate market, focus on market value, location, and unique features. Consider "up and coming" areas near amenities for growth potential. Look for distress sales for bargains but be cautious of hidden issues. Analyze rental yields and market trends to make informed decisions. Collaborate with a professional realtor...
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3 Things You Need to Know if You Are Buying a Second Property
TLDR When considering buying a second property in Singapore, ensure eligibility by meeting the Minimum Occupancy Period (MOP) and understanding loan eligibility based on Total Debt Servicing Ratio (TDSR) and Loan-to-Value (LTV) Ratio. Be prepared for the Additional Buyer’s Stamp Duty (ABSD) and Property Tax implications. Consider using CPF and clarify your intent - whether...
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Buy a $1M Resale HDB or a $1M Resale Condo?
TLDR When comparing a million-dollar HDB flat to a private property of the same value, the HDB flat offers more living space, making it suitable for families. Condos, on the other hand, provide exclusive amenities but come with higher maintenance fees. HDB buyers can access grants and loans not available for private property purchases. While...
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Great Reasons for Condo Owners to Sell upon Reaching TOP – A Guide to Sub-Sale Transactions
TLDR A recent sub-sale transaction in Midtown Modern set a new record with a 2-bedroom home selling at $3,150 psf. Selling before TOP can lead to substantial profits, even after paying the Seller Stamp Duty. Avoid paying 25% in the progressive payment plan by selling your Option to Purchase before TOP. Properties like Sky Everton,...
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Strategies for Overcoming ABSD and Acquiring Multiple Properties in 2023 (Revised)
TLDR When it comes to navigating the Additional Buyers Stamp Duty (ABSD) in Singapore, there are legal strategies available to help investors save on costs and own multiple properties. Key methods include purchasing properties under a single owner to leverage spouse's eligibility, decoupling ownership to free up names, unofficially acquiring properties under adult children, setting...
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What Type of Properties Can a Permanent Resident PR Buy in Singapore?
TLDR When it comes to purchasing property in Singapore as a Permanent Resident or Foreign National, there are specific restrictions and eligibility criteria to consider. Singaporeans have the most flexibility in property choices, while PRs have limitations but more options compared to non-residents and foreigners. Certain properties, such as vacant residential land, terrace homes, and...
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The Cost of Housing – Affordability vs Premium?
TLDR The blog post discusses the challenges Singapore faces in housing affordability, particularly the rising costs of private homes compared to public housing. It examines the impact of wealth transfer between generations on private housing affordability. The government’s measures to support first-time homebuyers and manage investment interests are also highlighted. The need for a delicate...
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The Impact of a Real Estate Agent on Your Property’s Selling Price
TLDR In the world of real estate, the value of property agents lies in their ability to create competition among buyers, manage transaction deadlines efficiently, allocate resources for targeted listings, and leverage their networking connections. Experienced agents can help sellers secure better deals, navigate time-sensitive transactions, and optimize marketing efforts to achieve higher prices. However,...
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Evaluating Property Investments: Pros and Cons to Keep in Mind
TLDR: Key Takeaways from the Blog Post Singapore's real estate market offers both pros and cons for investors. The advantages include potential capital gains, stable returns, protection against inflation, and leveraging opportunities. However, investing in properties requires substantial initial capital, long-term commitment, and careful financial planning. Becoming a property owner in Singapore can provide rental...
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Tips for Young Adults to Begin Saving for Their Future Home
TLDR When aiming to purchase a home, it is crucial to gain knowledge about the buying process and track your spending to prioritize saving. Consider leasing out your property for additional income and engage in financial discussions with your partner. Evaluate the right time to buy or sell by seeking strategic real estate advice. Stay...
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