Secrets To Getting TDSR LOAN APPLICATION APPROVED?

Wondering How To Make Your TDSR LOAN APPLICATION APPROVED? 4 TIPS TO MITIGATE THE IMPACT OF DEBT ON YOUR TOTAL DEBT SERVICING RATIO Rock? Read This!

What’s My Home Value?

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

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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 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 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

What to do if you can’t meet the TDSR

We’ve discussed the TDSR before on 99.co. But what can you do if you can’t meet this loan restriction? Experts at DollarBack Mortgage have some helpful tips:

What is this TDSR thing that’s getting my loan application denied?

You can find a quick description of the TDSR in our jargon section. But as a quick recap:

The TDSR limits your monthly loan repayments to 60 per cent of your monthly income. For example, say you earn$7,000 per month. Your total home loan repayment, plus any other debt repayments, cannot exceed $4,200.

The TDSR limits your monthly loan repayments to 60 per cent of your monthly income. 

But say you can’t meet the TDSR. You will often be given three simple solutions:

1) Make a bigger down payment

2) Stretch out the loan tenure (thus reducing the monthly repayments), or

3) Simply buy a cheaper house.

But there are other steps you can take

There are other ways to meet the TDSR, that you can try instead of the above. Thanks to the experts at DollarBack Mortgage, who pointed out the following:

  • Inform the bank of any bonuses or commissions you’ve earned
  • Use fixed deposits or share portfolios to raise your effective income level
  • Inform the bank of any rental income you earn
  • Exclude a co-borrower who holds too much debt.

1. Inform the bank of any bonuses or commissions you’ve earned

  • Many banks, when assessing your income, default to looking at three months of your payslips. However, this may not accurately reflect your financial situation.
  • Highlight to the bank any bonuses or commissions you earned recently.
  • If you have earned any bonuses or commissions prior to the three months being assessed, for
  • instance, the bank may be unaware of it.
  • You can highlight this to the bank, and provide 12 months of your payslips instead.

2. Use fixed deposits or share portfolios to raise your effective income level

  • If you have a fixed deposit with the bank, you can highlight this amount to the mortgage banker – the bank might consider you to effectively have a higher income level, if the deposit is sizeable enough.
  • The same can be done if you have a share portfolio in your Central Depository Account (CDA).
  • If you have a fixed deposit with the bank, you can highlight this amount to the mortgage banker.
  • The exact amount by which this impacts your TDSR varies between banks; it is best to consult a home loans broker, to
  • compare between banks (they can also help with the detailed paperwork this method requires).

3. Inform the bank of any rental income you earn

  • If you currently earn rental income on any of your properties, be sure to declare it to the banks. This can add to your income levels, for the purposes of determining your TDSR.
  • For your declared rental income to be valid, you must have an active Tenancy Agreement (TA), with at least six months’ tenancy from the date of your loan application. You must also have a valid stamp duty certificate from IRAS.
  • Declare your rental income to the bank!
  • Note that, as mentioned above, rental income counts as variable income. This means the bank will consider only around 70 per cent of the rental income, when working out your TDSR.

4. Exclude a co-borrower who holds too much debt

  • If there is a co-borrower for the property, such as your spouse or a parent, consider who among you has the biggest debt obligations. If most of the debt is on your co-borrowers, it may be better to exclude them and be the sole borrower.
  • Besides these methods, it’s important to manage your monthly obligations to improve your TDSR numbers.
  • If there’s a co-borrower for the property with big debt obligations, exclude him and be the sole borrower.
  • If you have substantial debts, it’s advisable to start aggressively paying them down, in the six to 12 months preceding your home loan application. The less you owe, the less likely you are to breach the TDSR limit.
  • Which leads us to…

Debt issues and your TDSR

  • The less you owe, the less likely you are to breach the TDSR limit.
  • Take note of the following, to mitigate the impact of debt on your TDSR:
  • 1) Avoid applying for new credit facilities, such as credit cards or personal loans, in the two months prior to a home loan application
  • 2) If you have an outstanding car loan, try to clear it at least one month before making a home loan application.
  • 3) Your credit report, which is what the banks use to check your debt obligations, is refreshed on a monthly basis. This means you always have at least a one-month head start, to clear any existing debts before your home loan application (you can obtain a copy of your credit report from the Credit Bureau of Singapore (CBS) website, for a fee of $6.42).
  • 4) Having never had debt before is not good either. This will cause your credit report to show a grade of “Cx”, which means the system cannot assess how reliable you are with loan repayments. If you’ve never used credit before, take a small loan from the bank ($1,000, or apply for a credit card and charge something to it), and then pay it back. You can do this in the month or two prior to your loan application.

Read more…

5 THINGS TO KNOW ABOUT THE NEW CPF RULES WHEN BUYING PROPERTY Shortcuts – The Easy Way

5 THINGS TO KNOW ABOUT THE NEW CPF RULES WHEN BUYING PROPERTY Shortcuts – The Easy Way

Why 5 THINGS TO KNOW ABOUT THE NEW CPF RULES WHEN BUYING PROPERTY Is The Only Thing 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 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

5 Things to Know About the New CPF Rules When Buying Property

Starting on 10th May, the rules for using CPF to buy property have changed. Here are the essential things to know:

1. The property lease must cover the youngest buyer till the age of 95

For example, say you’re 40 years old, and your spouse is 37. You both buy a house with a remaining lease of 40 years. This is not sufficient to reach the age requirement of 95: your spouse, the youngest buyer, will only be 77 when the lease runs out.

The new rules dissuade younger buyers from purchasing older leasehold properties.

Under these circumstances, CPF usage will fall to 90 per cent of the valuation limit (the lower of the purchase price or valuation), rather than 100 per cent. Also, if an HDB loan is used for the property, then the LTV can be lower than the usual 90 per cent. The LTV will be prorated; it varies based on the extent to which the youngest buyer can be covered till the age of 95.

As such, the new rule dissuades younger buyers from purchasing older leasehold properties.

2. You can now use your CPF to buy a property as long as there’s at least 20 years on the lease

Via the old rules, this was a strict no-no. A property had to have 30 years on the lease, before you were allowed to use your CPF for it. Now, however, you can still use your CPF as long as at least 20 years are left (subject to the restrictions in point 1).

3. The old “60 year limit” on HDB housing loans is gone

If the flat’s lease can last till you’re 95, and there are at least 20 years left, you can get the full HDB housing loan. That means you can borrow up to 90 per cent of the flat’s value, and pay the remaining 10 per cent with CPF.

If the flat’s lease can last till you’re 95, and there are at least 20 years left, you can get the full HDB housing loan.

This does away with the old rule, which restricted your CPF use if the flat had 60 years or less on the lease. Under the old system, for example, your maximum CPF use for a flat with 60 years left on the lease would have been 80 per cent of the valuation limit (regardless of your age).

4. Your property lease needs to last till you’re 95, if you want to withdraw more than the Basic Retirement Sum

Under the old rules, when you’re 55, you can withdraw any CPF money above your Basic Retirement Sum (if you pledge a property with a lease of at least 30 years remaining)

Okay, don’t punch your screen, but…

If your lease can’t stretch till you’re 95, you can’t withdraw as much when you’re 55.

Now, you can only do that if you have a property with a lease that lasts till you’re 95 (barring the usual $5,000 minimum). In effect, this means you need to pledge a property with at least 40 years left on it.

And if you want to buy multiple properties, it gets worse. If your remaining lease doesn’t stretch till you’re 55, you need to set aside the full retirement sum (that’s twice your basic retirement sum) before you can use any remaining CPF money to buy another property.

5. This is a big pivot, from focusing on remaining lease to focusing on sufficient lease

Prior to this, most policies were designed around the concept of how many years are left on the lease. Under the new approach, it doesn’t matter so much how many years are left on the lease (so long as at least 20 years are left). What matters is whether your lease can last you for the maximum likely span of your existence (95 years).

What matters with this new policy is whether your lease can last you for the maximum likely span of your existence (95 years).

This could slightly push up the value of older properties, which started to see values plunge sharply once there was 30 years or less on the lease (now they have another 10 years of saleability).

The other effect is that it makes it harder for younger buyers to purchase older properties (because the age of the youngest buyer is used, to determine if the lease can last till 95). Conversely, it makes it easier for older buyers to purchase older properties; they face fewer loan restrictions simply due to the low remaining lease

Read more…

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

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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

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

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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

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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?

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So the Question now is:

 

Is it worth to buy New Launch or Resale?

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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.

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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

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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. 

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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?

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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