Rules on CPF usage and HDB housing loans updated to ensure homes for life

home buyers can draw more from their Central Provident Fund to buy ageing flats from Friday (May 10), provided the property’s remaining lease covers the youngest buyer till the age of 95.

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get a notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp https://youtu.be/Qb6Rqp87yD8

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

HDB Housing Loan Rules

Rules on CPF usage and HDB housing loans updated to ensure homes for life

New rules on CPF use, HDB loans to nudge buyers towards homes they will not outlive

New rules on CPF use, HDB loans to nudge buyers towards homes they will not outlive

CPF, HDB housing loan rules for buying older properties updated

CPF, HDB housing loan rules for buying older properties updated


How much buyer’s stamp duty (BSD, ABSD) do I have to pay? (Residential & (Non-Residential)

Why Ignoring HOW MUCH BUYER’S STAMP DUTY DO I HAVE TO PAY? Will Cost You Time and Money

No alt text provided for this image

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp UPTOWN @ FARRER Send me the Brochure, Price List, Unit types & Availability

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

http://get.edgeprop.sg/buyers-stamp-duty/

http://get.edgeprop.sg/buyers-stamp-duty-non-resi/

How to find a property sold with the Deferred Payment Scheme?

Deferred Payment Scheme – What is it and which condos have them?

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp UPTOWN @ FARRER Send me the Brochure, Price List, Unit types & Availability

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

Find out more! >> www.bit.ly/SendMeMoreDetails

No alt text provided for this image

Find out more! >> www.bit.ly/SendMeMoreDetails

No alt text provided for this image

Find out more! >> www.bit.ly/SendMeMoreDetails

No alt text provided for this image

Find out more! >> www.bit.ly/SendMeMoreDetails


Our First Home Calculator

This calculator helps you to estimate a housing loan and property price based on your income and your ability to service the loan. Please key under Person 1 if you are estimating for one person.

Our First Home Calculator

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert BelowValue.pdf

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp UPTOWN @ FARRER Send me the Brochure, Price List, Unit types & Availability

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

No alt text provided for this image

Our First Home Calculator

Why Ignoring RULES OF THUMB FOR CPF HOME BUYERS Will Cost You Time and Money?

Why RULES OF THUMB FOR CPF HOME BUYERS Is The Only Skill You Really Need

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert BelowValue.pdf

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp UPTOWN @ FARRER Send me the Brochure, Price List, Unit types & Availability

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

Rules of Thumb for CPF Home Buyers Buying a home is serious business. Unless you are cash-rich, you’ll be servicing the mortgage loan on your home for years to come. Thus, if you’re using CPF to buy your home, it is important that you should familiarise yourself with these information:

1. Know what you can afford before going home-hunting. The more you spend on housing, the less you will have for old age needs. For loans taken from banks and HDB to purchase HDB flats, the monthly repayment instalment for all property loans cannot exceed 30% of a borrower’s gross monthly income.

2. It is prudent to plan to pay off the loan by age 55. If you are using CPF for the instalments, remember you will have lower CPF contributions from age 50.

3. Generally, it is better to choose a shorter loan repayment period if you can. The longer the repayment period, the more interest you are paying.

4. You must understand how interest rates will affect your loan repayments. Ask your loan provider to show you examples using different loan interest rates.

5. Changes in your income and in CPF contribution rates may affect your ability to pay your loan. You should have emergency cash savings of about six times your monthly salary to help tide you through unexpected events.

6. Take the time to discuss your housing loan needs with financial advisers and banks. At the same time, educate yourself so that you are able to assess what they tell you.

7. Get a few quotations, and spend time to study the different loan packages. Don’t make hasty decisions based on advertisements or brochures.

8. Make sure you understand the terms and conditions before taking up the loan, eg. is there a lock-in period or can you make capital repayments? Ignorance is not an excuse if disputes arise later on.

9. For peace of mind, get a mortgage insurance cover. Consider taking up the maximum cover for co-player of the loan.

10. Finally, keep up with changes that may affect the use of CPF for housing. Read the information in our website. It is in your own interest to be an informed CPF member.

Read more…

https://www.linkedin.com/pulse/calculate-your-home-value-mani-subramanian-veeramani-1d/

Learn How To Start DECOUPLING PROPERTY OWNERSHIP: HOW IT WORKS?

Why Ignoring 5 ESSENTIAL RULES USED TO IDENTIFY THE RIGHT ENTRY PRICE OF A NEW LAUNCH OR RESALE PROPERTY Will Cost You Time and Money

Why 5 ESSENTIAL RULES USED TO IDENTIFY THE RIGHT ENTRY PRICE OF A NEW LAUNCH OR RESALE PROPERTY Is The Only Skill You Really Need

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert BelowValue.pdf

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp UPTOWN @ FARRER Send me the Brochure, Price List, Unit types & Availability

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

New Launches vs Resale?

Which is better?

Why RESALE Prices are cheaper than New Launches? Does it mean that we should buy if it is CHEAP?

Have you ever wonder why the resale prices are much cheaper and yet many people still choose to pay more for New Launches?

Just look at the chart below, why are the prices not moving in the last 4 years?

No alt text provided for this image

So the Question now is:

 

Is it worth to buy New Launch or Resale?

No alt text provided for this image

MAD RUSH TO SNATCH A UNIT…

IS THIS REALLY THE BEST DEAL???

This happened during a new launch where everyone is trying to get a unit. Will you buy when you see this situation in the showflat? Many times, we saw people interpret long queues as buying good deal and will rush to get a unit when they see such situation. When this happens, I always refer it as the “Kiasu” syndrome.

 

Is this the way to determine the RIGHT ENTRY PRICE? I have seen many people making such decision without differentiating right from wrong. Do you know that one mistake make by emotion may cost you more than hundreds of thousands of dollars? Hence, in this sharing session by me, I will be covering 5 Essential Rulesfor you to take note when identifying the RIGHT ENTRY PRICE property.

 

5 Essential Rules

1. Supply Vs Demand

2. Location Vs Entry Price

3. Spot Safe Entry Price Asset

4. Potential Upside/ Risk

5. First Mover Advantage

 

Just based on the above 5 Rules that you will learn from me, I am sure you will not make the wrong decision in selecting the right property. Even if you have not buy or bought, you should be here to learn this skill from me.

Register Now

MUST KNOW – Understand the Charts that will help you identify the RIGHT Entry Price Property!

Look at this chart below, this is another very important chart that you must know! I have made all of my the property investment based on the understanding of this chart. If you can master it well, I am very sure you will be able to know how to identify the Right Entry Price Property that will help you make money.

No alt text provided for this image

.

Find out what is best for you with Mani

Find Out Now, What Should You Do For Fast 5 FATAL MISTAKES THAT PROPERTY BUYERS MUST AVOID?

Find Out Now, What Should You Do For Fast 5 FATAL MISTAKES THAT PROPERTY BUYERS MUST AVOID? Data and trends that will help property buyers make well informed decisions.

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert BelowValue.pdf

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp UPTOWN @ FARRER Send me the Brochure, Price List, Unit types & Availability

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

5 Fatal Mistakes that Property Buyers Must Avoid

When purchasing a property, whether it is commercial, industrial or residential, we need to avoid making an unfavourable decision which will impact us negatively. This seminar has been specially designed to share with consumers the pitfalls to avoid, in relation to the real estate market in Singapore. Many consumers are not aware of these pitfalls which can have a detrimental effect on the value of your property, whether it is for own use or investment. 

The 5 Fatal Mistakes that will be covered in detail:

  • Freehold vs 99 years
  • FOMO Mentality
  • Timing the Market
  • Yields vs Gains
  • Location, Location, Location

No alt text provided for this image

Through this seminar, you will gain very important insights and extract optimal value, while presenting the data and information in an easy to understand format. We believe that the insights and knowledge acquired from this seminar will be instrumental to home buyers and investors when making a decision for future property purchases. 

No alt text provided for this image

Take this 99-year leasehold condominium in District 5 as example. Price has increased significantly within just 6 months. Do you want to know the REASON WHY?

Do not MISS this important session if you do not want to LOSE your investment when choosing the WRONG property to buy!

Find out more…

https://www.linkedin.com/pulse/property-investing-make-your-profit-safe-predictable-mani-/

Property Investing that will Make your Profit SAFE AND PREDICTABLE

Here Is A Method That Is Helping 5 GOLDEN RULES TO PROPERTY INVESTING

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert BelowValue.pdf

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp UPTOWN @ FARRER Send me the Brochure, Price List, Unit types & Availability

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

MASTER THE 5 GOLDEN RULES

to Property Investing that will Make your Profit SAFE AND PREDICTABLE

Are you Investing or Gambling?

Property Investment is never about luck or emotional buying. On many occasions, we see consumers hopping from different new project show units just to find “the Right One”. But how exactly will this “Right one” presents itself in the face of consumers?

If you had answered “Ambience” and “Feel” of the unit, you are emotional buying. Many times, these feelings have clouded the analytical skills of the consumers, making them overlook other critical aspects such as the land appreciation, location, sensitive pricing/discounts and market sentiments. By the time when the consumers are prospecting for new house, they will themselves in situation where their current property is not fetching the desired price and they have missed the opportune time to enter the market.

Real investors are clear with their goals and what they want out of their property investments. They do not rely on hope that the market will one day, change in their favour. Rather, they are aware of the cycle and when to make the “Right move”.

So, are you an investor or gambler? If you are determined to be a savvy investor, you will definitely be interested in the following.

How do you Determine the Right Cycle, the Right Time and Right Price to Enter?

No alt text provided for this image

At the first, second and even third glance, you may not be able to figure out all the information which this chart is trying to convey. However, if you study in detail or with some guidance, you will be able to mark out a certain trend that is brewing in the market.

Based on this cycle, you can also identify the best opportune time and price to enter the market. 

So the Question now is:

Is This the Right Time to Buy in Today’s Market?

Just understanding the cycle is not sufficient. 

Here are the 5 Golden Rules to Property Investing that will Make your Profit Safe and Predictable:

1. Supply vs Demand

Should we buy when the supply is plenty in the market?

2. Location vs Entry Price

Which is more important? Many always think that buying a good location near MRT is the safest bet as it is easier to rent out. However, is that really true?

3. How do we determine the Right Entry Price for the property?

4. Potential Upside or Risk

5. How can we secure the First Mover Advantage?

Find the answers from Mani

Live From The Field

Here Is A Method That Is Helping 5 GOLDEN RULES TO PROPERTY INVESTING

What’s My Home Value?

DOWNLOAD: Condo Price, How much, Can I afford?

Read all my articles

DOWNLOAD

Property Market Outlook 2019

http://bit.ly/DOWNLOADPropertyMarketOutlook2019

I will be glad to guide you personally “How to buy and/or sell your property like a Pro” One-to-One Online real-time web-based coaching anytime, anywhere on your PC or mobile.  Questions ? #AskRealtorMani ? ? 83004411 http://bit.ly/ClickToWhatsApp 

  

What you will get

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert BelowValue.pdf

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

 

Questions / Need Help? #AskRealtorMani

 

Get notification for Below Market Value Property Deals Alert, Returned Units, Clearance Sale, Auction Properties, Indicative Valuation Reports, Property Insider News http://bit.ly/ClickToWhatsApp UPTOWN @ FARRER Send me the Brochure, Price List, Unit types & Availability

 

It’s FREE and easy, nothing to lose, just try, start now  http://bit.ly/ClickToWhatsApp 

 

·      FREE Indicative Valuation & CMA Report for your property http://bit.ly/CMAHomeReport

·      Below Market Value Property Deals Alert http://bit.ly/BelowValue

·      Insider property news and resources that property investors use. http://bit.ly/CondoPrice

MASTER THE 5 GOLDEN RULES

to Property Investing that will Make your Profit SAFE AND PREDICTABLE

Are you Investing or Gambling?

Property Investment is never about luck or emotional buying. On many occasions, we see consumers hopping from different new project show units just to find “the Right One”. But how exactly will this “Right one” presents itself in the face of consumers?

If you had answered “Ambience” and “Feel” of the unit, you are emotional buying. Many times, these feelings have clouded the analytical skills of the consumers, making them overlook other critical aspects such as the land appreciation, location, sensitive pricing/discounts and market sentiments. By the time when the consumers are prospecting for new house, they will themselves in situation where their current property is not fetching the desired price and they have missed the opportune time to enter the market.

Real investors are clear with their goals and what they want out of their property investments. They do not rely on hope that the market will one day, change in their favour. Rather, they are aware of the cycle and when to make the “Right move”.

So, are you an investor or gambler? If you are determined to be a savvy investor, you will definitely be interested in the following.

How do you Determine the Right Cycle, the Right Time and Right Price to Enter?

No alt text provided for this image

At the first, second and even third glance, you may not be able to figure out all the information which this chart is trying to convey. However, if you study in detail or with some guidance, you will be able to mark out a certain trend that is brewing in the market.

Based on this cycle, you can also identify the best opportune time and price to enter the market. 

So the Question now is:

Is This the Right Time to Buy in Today’s Market?

Just understanding the cycle is not sufficient. 

Here are the 5 Golden Rules to Property Investing that will Make your Profit Safe and Predictable:

1. Supply vs Demand

Should we buy when the supply is plenty in the market?

2. Location vs Entry Price

Which is more important? Many always think that buying a good location near MRT is the safest bet as it is easier to rent out. However, is that really true?

3. How do we determine the Right Entry Price for the property?

4. Potential Upside or Risk

5. How can we secure the First Mover Advantage?

Find the answers from Mani