Lately, there has been an increase in scams related to real estate. Scammers are pretending to be real estate agents in order to trick consumers into paying fake deposits or...
How CPF Adjustments in 2025 May Influence Your Homebuying Decisions in Singapore
TLDR In 2025, significant CPF changes in Singapore impact homebuying decisions, especially for older homeowners. The Special Account (SA) for those 55+ was closed, with funds moved to the Retirement...
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The Emergence of Million-Dollar HDB Flats in Singapore: Could This Become the Standard Moving Forward?
TLDR Understanding the nuances of the HDB property market in Singapore, especially the trend of million-dollar flats, requires a deep dive into historical data and market dynamics. Various factors, such...
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Bayshore: Reinventing the Experience of Living by the Beach
TLDR When deciding on buying or selling property in Bayshore, consider the recent developments and potential future growth. With a surge in property prices over the past two decades, especially...
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The Uncomfortable Truth About Homeownership and Relationships in Singapore
TLDR Property ownership and prenuptial agreements are key for married couples in Singapore. Joint ownership (either joint tenancy or tenancy-in-common) affects how property is divided if things go wrong. HDB’s...
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HDB’s Policy Shift for Young Couples: Progressive Step or Cause for Concern?
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...
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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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Rise In Private Home Ownership Among Those Under 35
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,...
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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...
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The Ultimate Checklist for Work-From-Home Homebuyers in Singapore: Beyond the Basics
TLDR Remote work has changed what makes an ideal home—buyers now need to prioritize productivity and well-being alongside location and price. Open-concept layouts can hurt focus, so look for homes...
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How Can Decoupling Help You in Buying a Second Property?
TLDR Decoupling property ownership in Singapore can help you avoid hefty Additional Buyer's Stamp Duty fees when purchasing a second property. This process involves transferring ownership between co-owners, allowing one...
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The Unsung Importance of Property Finishing: More Than Just Aesthetics
TLDR Many homebuyers overlook the importance of high-quality finishes in properties, assuming they will renovate later or that tenants won’t pay more for premium materials. However, poor finishes can lead...
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Where to Find the Most Affordable New Launches in 2023 – Starting at $1.31 Million
TLDR When looking for an affordable new launch condo in Singapore as of January 2023, consider projects like 10 Evelyn, Ikigai, and Lentor Modern for one-bedroom units. For two-bedders, Kopar...
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Why One Family Chose a New Launch 4-Bedroom Unit at Lentor Mansion Over a Resale Condo
TLDR NM’s family chose to buy a 4-bedroom unit at the new launch Lentor Mansion despite elevated condo prices, after weighing practical needs, personal preferences, and financial considerations. They needed...
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When Should You Consider Investing in Singapore Property, and When Should You Avoid It?
TLDR Investing in real estate is a complex decision influenced by personal goals, investment horizon, rental plans, and financial liquidity. Property valuation is subjective, varying among different buyers based on...
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Are We Going Into Recession? What It Means for You—and Singapore Property
TLDR Singapore faces rising recession risks as global trade slows, with GDP contraction and cautious sentiment signaling economic headwinds. For property, downturns typically bring short-term price dips, fewer transactions, softer...
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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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Integrated Developments and Condo Values: A Look at Sengkang Grand Residences
TLDR The impact of the new integrated development, Sengkang Grand Residences, on nearby condo prices was studied by comparing it with neighboring developments like The Quartz and Jewel @ Buangkok....
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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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5 Smart Techniques That Resourceful Homebuyers Utilize to Overcome Restrictions on Home Loans
TLDR When it comes to navigating the complex world of home loans and property acquisition, it's crucial to be aware of the potential risks and drawbacks associated with unconventional methods....
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The Surprising Truths of Home Ownership: How Health Challenges Led a Homeowner to Relocate
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...
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Exploring the Resale Condo Market? Here’s What to Watch Out For!
TLDR The impact of COVID-19 on Singapore's real estate market has been significant, leading to a surge in demand for resale condo units. When considering buying a resale property, focus on the surroundings, amenities, and sheltered walkways for convenience and tenant appeal. Assess the building's condition, including landscaping, poolside, and carparks, to ensure proper maintenance....
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3 Trends For New Launch Properties In 2023
TLDR When considering buying or selling a property in Singapore, it's crucial to understand the market dynamics and key metrics. In 2023, there will be around 40+ new launches for buyers to choose from, each offering different advantages. Newly completed properties come with a one-year defect warranty period but may come at a premium price....
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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, desired amenities, investment goals, and location preferences. Singles and married couples have different rules to follow, influencing their property choices. Assess how long you plan...
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Mortgage Interest : The True Cost of Buying and Owning Properties in Singapore
TLDR When considering buying a property in Singapore, it's crucial to understand the true costs and risks involved. High monthly repayments can be challenging, especially with fluctuating interest rates. Buyers should assess their holding power and not overextend themselves financially. Strategic decisions like selling, downgrading, or gear refinancing can help manage repayments effectively. It's essential...
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Are You Worried About Overpaying On Your Property? Here’s The Secret To Finding Out Its Perfect Purchase Price!
TLDR Understanding property valuations and their impact on mortgage loans is crucial in the Singapore real estate market. By considering factors such as current asking prices, recently transacted prices, recent highest transacted price, peak price of the development, and valuation price, you can ensure you're making an informed decision when buying or selling a property....
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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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