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Welcome to Property Insider (P.I). We share the latest property trend and transaction including resi

We share the latest property trend and transaction including residential and commercial. We monitored the performance of property through quarterly report by URA. We tracked which location with the highest and lowest capital and rental yield. Property Insider provides latest property launches and provide floor plans.

30/06/2023

Things Buyers often Forget to Look Out for in A Condo New Launch

Developer Reputation
The space between each block
The distance between your desired unit and facilities
URA Master Plan
Maintenance Fee

Don't commit your booking fee without finding out about these.
1) Having a trustworthy and reputable developer is good to know that the building materials will last longer.
2) You don't want to look into your neighbour's bedroom and vice versa, so the distance between each block is important.
3) While we would love to jump into the pool from our balcony, living next to a playground might be noise pollution to you if you don't have young children.

Call me and I will tell you the rest.

07/06/2023

Is it always about the lowest price?
Yes/ No
Or is it about getting the best value unit? When you decide on a condo, you will need to decide on which floor and which unit, and it all boils down to your lifestyle.
A swimming pool facing unit? Convenient if you are a regular swimmer, but the water is reflective and glaring sunlight might enter your unit if it is on a lower floor.
You may want a north-south placing unit, but what if the multi-storey carpark blocks your view?
All these factors are considered when the developers list their pricing for each unit. So it should never be about the lowest price but which are the best units you can get within your budget.
DM me, and I will provide more insight on this matter.

17/04/2023

Do You Know What Happens When You Sign Your HDB Lease Agreement?

Yes /No

You will need to pay the downpayment, stamp duty and legal fees.

For those cash-strapped couples, don't let any obstacles stop you from achieving your own home. It is always better to be prepared than to rush to get things done.

Contact me on how to get ready to buy your first home.

03/04/2023

Why do Singaporeans prefer landed properties over condominiums?

The space, the ability to design & build and the ownership of land

Owning a piece of land in a land-starved country like Singapore is a dream come true.

You get a clean blank slate to build your dream home. So what will it be? A country-style home, a Bali-inspired place or a minimalist Muji-like house?

Reach out to me today to find what I have on hand.

08/02/2023

Are you eligible to buy an Executive Condominium?
- 21 years old
- Combined Gross Income Not More Than $16k
- Min 1 Singapore Citizen & 1 SPR
- Must not own private property

Executive Condos are a hybrid of public and private housing.

You pay affordable prices and enjoy condo facilities like a gym, swimming pool, and 24/7 security. No wonder many Singaporeans dream of being able to afford an EC.

If you are one of the many, come and talk to me about how to realise your dream!

01/02/2023

Do You Know What is LTV?

For example, if you borrow $750k to purchase a property valued at 1 million, the LTV is 75%.

We love our acronyms: CTE, AYE, COE, HDB.
LTV is another acronym you need to know if you are taking a loan for your dream home.
The loan amount as a percentage of the property's value: the higher your downpayment, the lower your LTV ratio.

For new property, the loan-to-value ratio is calculated from the price you are paying for that property.

If you agree at a higher cost than the valuation price for resale property, the difference between these two amounts is called Cash Over Value (COV). Another acronym :)

Unfortunately, COV have to be paid in cash $$$
Bad news for those who don't have that much cash on hand, but I can help you in this situation. Call me up, and let's discuss it over coffee.

30/01/2023

How to Use CPF to Buy Your Dream Home?

If you are taking a HDB Loan, you may retain up to $20,000 in your CPF OA. Remaining CPF savings in your OA must be used for the flat purchase (up to the applicable limits).

Still Unsure?

Your dream home need not be a nightmare. DM me to find out more!

24/01/2023

Enough Credits to Finance a Flat purchase?

HDB Instalments can stretch to 30 years

Pte Property can stretch to 35 years

Many young couples dream of purchasing a home, but one reality check comes to mind: do you have enough credit to finance a flat purchase?

For HDB Housing Loan, apply through the HDB website to know your eligibility and the loan amount. Otherwise, approach financial institutions for a home loan.

HDB Loan is pegged at 0.1% above the prevailing CPF Ordinary Account (OA) interest rate.

For HDB Loan: No minimum cash payment if you have sufficient savings in your CPF OA and housing loan for the remaining balance.

Just give me a call and I'm happy to walk you through the difference between taking a loan from HDB and FIs.

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+6584448001

Website

http://www.residentialsales.com.sg/

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