Opinion - Jayson Ang

My Dad’s Agent Utilised Misleading Information to Coerce Him into Selling His HDB” – 4 Pushy Sales Techniques You Should Be Aware Of

Jayson Ang – September 16, 2025 –

TLDR While Singapore’s real estate sector is more regulated, some agents still use high-pressure tactics that make buyers uncomfortable. Common strategies include giving unverifiable information about unit availability, exaggerating price trends, pushing unclear or short-lived promotions, and framing situations as urgent crises to pressure decisions....

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Rise In Private Home Ownership Among Those Under 35

Jayson Ang – September 12, 2025 –

TLDR Youth homeownership in Singapore’s private housing sector is rising, with residents under 35 living in private properties hitting 380,459 in 2023—up from 375,651 in 2022. Modern amenities, exclusive communities, and investment potential attract young buyers. With median household incomes at $10,689 monthly, private condos...

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Fresh Take On What Singapore Condo Buyers Want In 2025

Jayson Ang – September 4, 2025 –

TLDR 2025 property buyers in Singapore are more discerning, prioritizing transparency, smart design, and real quality over flashy gimmicks. They care about accurate move-in dates, as delays can create major financial headaches, especially for HDB upgraders balancing timelines and costs. Families want real spaces for...

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Should You Buy An Older Resale HDB Flat If You Are In Your 20s/30s?

Jayson Ang – August 26, 2025 –

TLDR Younger Singaporeans are increasingly drawn to older resale HDB flats due to their larger size and central locations, without the heavy restrictions of newer Plus or Prime flats. However, these flats come with significant considerations: potential lease decay, costly renovations (especially if little has...

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8 Untold “Savings” Hacks You Need To Know As Soon As Possible

Jayson Ang – August 22, 2025 –

TLDR Undervalued properties in Singapore are those priced at least 10% below market value, often due to urgent sellers, developer ABSD deadlines, or less-desirable locations catching up in value. To find such properties, compare prices of similar developments nearby, look for motivated sellers, monitor projects...

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Navigating the Unique Landscape of the 2025 Singapore Property Market

Jayson Ang – August 22, 2025 –

TLDR The 2025 Singapore property market faces distinct challenges, including a shift toward Core Central Region (CCR) new launches, limited resale HDB supply, and the impact of strict cooling measures like the 60% Additional Buyer’s Stamp Duty (ABSD) for foreigners. Older buyers face tighter borrowing...

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What Is An Affordable Home In Singapore?

Jayson Ang – August 18, 2025 –

TLDR Affordable housing in Singapore is about more than just having a roof over your head—it’s about survival and opportunity. Rising home prices near workplaces and good schools force tough choices, trapping families in cycles where moving for better jobs isn’t financially viable. Gentrification pushes...

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Is It Better To Purchase A Larger HDB Or A Smaller Condo For $1 Million In 2025?

Jayson Ang – August 14, 2025 –

TLDR When comparing a large, centrally located resale flat (e.g., 5-room HDB) with a small condo around the $1 million mark, the key trade-offs are space versus facilities and investment potential. Flats offer more living space, access to grants, better local amenities, and lower monthly...

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Should You Pay For A Buyer Agent?

Jayson Ang – August 10, 2025 –

TLDR The idea of making buyers pay their own property agents in Singapore, as suggested by SEAA, makes sense in theory but faces big hurdles in practice. While splitting commissions seems fair, human nature means most buyers will choose free services over paying out of...

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How En-Bloc Sales of Condominiums Turned into a Speculative Exit Strategy in Singapore

Jayson Ang – August 2, 2025 –

TLDR En-bloc sales—where owners collectively sell an entire property for redevelopment—have become a key feature of Singapore’s private property market, but this wasn’t always the case. The first such sale was likely five bungalows turned into Anderson 18 in 1979/80, not Cosy Mansions as some...

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The Surprising Truths of Home Ownership: How Health Challenges Led a Homeowner to Relocate

Jayson Ang – July 29, 2025 –

When thinking about staircases, light switch locations, selling our home, and similar topics, many plan for retirement, assuming these issues are less relevant to younger people. However, life can be unpredictable; health problems might require these changes sooner than expected. This was the case for...

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What Impact Will Decreasing US Interest Rates Have on Homeowners in Singapore?

Jayson Ang – July 25, 2025 –

TLDR The Fed’s recent 0.5% rate cut is likely to lower Singapore’s SORA-based home loan rates, benefiting those with bank loans in the short term. However, not all borrowers will gain equally—those on longer SORA periods or locked-in fixed rates may not see immediate savings,...

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What Might Occur If We Ease Property Cooling Measures?

Jayson Ang – July 21, 2025 –

TLDR To assess if Singapore’s property cooling measures are working, compare our actions with China, which is applying the opposite strategy by trying to revive its real estate sector. China recently cut mortgage rates and raised the maximum loan-to-value (LTV) ratio, while Singapore tightened borrowing...

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Reduced Lease Durations for HDB Flats: What Potential Savings Could Your Property Offer?

Jayson Ang – July 17, 2025 –

TLDR Shorter lease HDB flats are typically about 22–25% cheaper than their 99-year counterparts, based on both resale and BTO market data. For example, a 4-room resale flat with 60–70 years left on the lease is around 22% less costly than one with nearly a...

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6 Possible Risks of Purchasing a One-Bedroom Apartment in Singapore: Key Considerations to Be Aware Of

Jayson Ang – July 13, 2025 –

TLDR One-bedroom condos in Singapore are attractive for their lower entry price and rental potential, but buyers should be aware of key risks. These units can lack flexibility for changing personal needs (like accommodating family or future life events) due to limited space. Resale and...

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Navigating the 2025 Singapore Property Market: Why Informed Buyers Can Stay Confident

Jayson Ang – July 9, 2025 –

TLDR Despite global economic uncertainties, Singapore’s property market remains resilient due to robust financial regulations, conservative loan assessments, and effective government cooling measures. Stringent lending policies like MSR and TDSR prevent over-leveraging, while new LTV limits ensure buyers have enough equity. Self-employed buyers face stricter...

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Executive Condos in Singapore: Have They Outgrown the “Sandwich Class” Label?

Jayson Ang – July 1, 2025 –

TLDR The Executive Condominium (EC) scheme, once intended as affordable “sandwich class” housing, is now acting more like a lottery ticket due to rising prices and shrinking price gaps with private condos. Projects like Hundred Palms have shown huge resale gains, making ECs attractive for...

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HDB’s Policy Shift for Young Couples: Progressive Step or Cause for Concern?

Jayson Ang – June 27, 2025 –

TLDR Starting July 2025, HDB will let young couples—where at least one partner is a full-time student or NSF—defer income assessment for BTO loans until flat key collection. This helps more young Singaporeans apply for flats earlier, basing loan eligibility on their future, likely higher...

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Singapore Distressed Property Market in 2025: Separating Fact from Fiction

Jayson Ang – June 23, 2025 –

TLDR Mortgagee sale listings in Singapore rose in Q1 2025, mainly due to higher interest rates in recent years. Despite more distressed properties hitting the market, bargains are rare—banks set reserve prices based on fair market value, not desperation. Only about 5% of mortgagee auctions...

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Why Are Singapore Property Agents So Keen on New Launch Condos? Unpacking the Motivations in 2025

Jayson Ang – June 11, 2025 –

TLDR In Singapore’s 2025 property market, agents’ strong preference for recommending new launch condos is less about chasing commissions and more about adapting to current realities: commission differences between new launches and resale have narrowed, while limited resale inventory means fewer viable options for buyers....

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Three Singaporeans Share Their Experiences of Co-Owning a Property with Friends

Jayson Ang – March 18, 2025 –

TLDR In Singapore, some individuals venture into property investments with unrelated partners, driven by opportunities and personal circumstances. Jim, leaving finance during the 2009 crisis, invested in real estate with an ex-colleague, turning an old apartment into a bed-and-breakfast. They maintain a stable business relationship,...

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Is it Better to Sell Your Newly Launched Condo Before or After Completion? Here’s What the Statistics Indicate

Jayson Ang – March 14, 2025 –

TLDR Determining the best time to sell a newly launched condo involves weighing the benefits of selling before or after the project's completion. Selling early can lead to quicker profits and less competition, while waiting until completion might attract more buyers and higher prices, albeit...

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The Importance of Caution Regarding Property Oversupply in Singapore

Jayson Ang – March 10, 2025 –

TLDR Recent challenges in China's real estate sector reveal valuable lessons for Singaporeans, emphasizing the importance of understanding governmental interventions in property markets. While China's cultural preference for home ownership and speculative investments mirrors Singapore's, policy changes in both countries highlight potential risks for homeowners....

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Is Lifelong Renting a Viable Option in Singapore?

Jayson Ang – March 6, 2025 –

TLDR In Singapore, while the majority aspire to own homes, a small segment opts for lifelong renting, driven by personal preference or necessity. Lifelong renters enjoy freedom of mobility, superior investment opportunities, and flexibility in adapting to life changes. Renting allows them to keep their...

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Property Unpacked: Is GLS Impacting Property Values?

Jayson Ang – March 2, 2025 –

TLDR The Government Land Sales (GLS) program in Singapore is critical for developers to obtain development land, with sites released biannually. The Urban Redevelopment Authority (URA) manages non-industrial land sales, while the Ministry of Trade and Industry (MTI) oversees industrial sites. GLS sites are categorized...

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