TLDR The 15-month wait-out period introduced in September 2022 requires private property owners to wait before buying a resale or BTO HDB flat, aiming to curb million-dollar HDB transactions by...
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...
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Should You Pay Extra for a Private Condo When the EC Next Door Looks Identical?
TLDR Singapore’s executive condominiums (ECs) have improved significantly, now matching private condos in design and facilities but at lower prices. In some areas like Punggol, EC resale prices are even...
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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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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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Looking To Buy An Older HDB Flat? Here’s What You Need To Know Before You Sign On The Dotted Line!
TLDR When considering purchasing an older flat, ensure to thoroughly inspect wet areas for leaks, check balcony conditions, watch out for spalling concrete, inspect windows for maintenance, be cautious of...
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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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Should You Keep Your Resale HDB Flat When Buying a Private Property? 5 Key Factors to Consider
TLDR In Singapore, owning both an HDB flat and a private property has become complicated due to factors like Additional Buyer’s Stamp Duty (ABSD) and high down payments. Keeping a...
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Singapore’s HDB Projects: From Unique Landmarks to Just Another Brick in the Wall?
Take a look at this chill spot in Yew Tee. Someone's gone all out to make it feel like an old-school kampung. It's all natural, no town council planning involved....
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Is Lifelong Renting a Viable Option in Singapore?
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...
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Is Renting Out Your HDB to Live in a Condo a Smart Move? How Rentvesting Can Help You Save Money
TLDR Rentvesting is a strategy where individuals rent a home in their desired location while purchasing investment properties in more affordable areas. This concept is increasingly popular in Singapore as...
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5 Neighbourhoods Poised to Benefit Most from the URA Draft Master Plan 2025
TLDR Singapore’s URA Draft Master Plan 2025 outlines major urban redevelopment with 80,000 new homes across 10 estates. Key growth areas include Paterson, which will offer new luxury residences near...
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Why Aren’t Spacious, Wallet-Friendly Homes Our Reality Yet?
TLDR The article discusses the current housing market in Singapore, focusing on the challenges faced by individuals like Sherlyn Tan and Fatin Zakiah Saiful Imran in purchasing their desired properties....
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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...
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Singapore Decoupling Guide
TLDR Decoupling in Singapore's real estate refers to the process of separating property ownership to avoid Additional Buyer's Stamp Duty (ABSD). It allows couples to transfer ownership without needing a...
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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...
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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...
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New Condo Sales Surge: Decoding Singaporeans’ Enthusiasm Despite “High” Prices
TLDR Recent strong condo sales in Singapore, including Emerald of Katong’s 99% take-up during launch, challenge perceptions of unaffordability. Key reasons include pent-up demand after limited launches in early 2024,...
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6 Key Contrasts Between New Launch and Resale Condos to Assist You in Making the Right Choice
TLDR When deciding between a new condo or an older resale unit, consider the differences in design features. Older condos may offer unique characteristics like separate living and dining spaces,...
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UNCOVERING the Secret to Profitable Small Boutique Condos!
TLDR Boutique condos, with fewer than 100 units, are known for price fluctuations due to infrequent transactions and higher upkeep costs. Despite challenges, they attract buyers seeking exclusivity. From 2014...
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Invest During the Bearish & Exit During the Bullish
TLDR A comprehensive overview of the real estate market trends, emphasizing the importance of strategic property analysis and investment decisions. It discusses key factors such as market sentiments, property valuation,...
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3 Property Owners Reveal Their Major Mistakes: The Pitfalls of Ill-timed Home Sales
TLDR When it comes to navigating the ups and downs of the Singapore property market, timing is crucial. Three real-life stories shed light on the challenges faced by homeowners looking to sell their properties. From dealing with changing regulations like ABSD and TDSR to unforeseen events like the COVID-19 pandemic, each tale underscores the importance...
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Is the Dream of Homeownership Becoming a Steeper Climb?
TLDR The article discusses the evolving trends in the Singaporean real estate market, focusing on the affordability and accessibility of different housing options. It highlights the rising prices of private properties compared to public housing, shedding light on the challenges faced by average-income families in purchasing their dream homes. The narrative also delves into the...
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Should You Splash Your Cash on a Condo Despite the Sky-High PSF?
TLDR The blog post discusses various aspects of investing in condos in Singapore, covering topics such as leasehold versus freehold properties, rental yields, property values, and factors affecting investment decisions. It emphasizes the importance of considering specific projects rather than general property types. Additionally, it provides insights on hidden expenses, market trends, and tips for...
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Ouch! How Owning a Million-Dollar Home Can Sting with a Whopping $300K Interest in Just a Decade!
TLDR When considering property investments in Singapore, it's crucial to monitor home loan interest rates closely. Even a slight increase can significantly impact your finances over time. Keep an eye on your CPF withdrawal limit, as overspending could lead to complications in the future. Rising interest rates may also affect the Total Debt Servicing Ratio...
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When will En-Bloc set to Become Reality Beyond 2023?
TLDR The real estate market is experiencing a lull in en-bloc activities due to various factors. Higher Additional Buyer’s Stamp Duty (ABSD) rates, the government's release of Government Land Sales (GLS) sites, issues associated with en-bloc sites, and the rising interest rate environment are key reasons. Developers face challenges with the 40% ABSD on land...
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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. Developers aim to sell all units within 5 years to avoid extra charges like ABSD and QC extension fees. Pricing stages progress from the primary...
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Dual-Key Condo: Analysing The Pros And Cons
TLDR for "Dual-Key Condo: Analysing The Pros And Cons" When considering dual-key condo units, it's important to weigh the advantages and disadvantages. These units offer the benefit of no ABSD payable, privacy when renting out, and potentially higher rental yields. However, they can be more expensive per square foot, challenging to sell, and may not...
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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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