How To Get A Suitable Mortgage Package In Singapore?

How To Get A Suitable Mortgage Package In Singapore?

How To Get A Suitable Mortgage Package In Singapore?

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How To Get A Suitable Mortgage Package In Singapore?

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How To Get A Suitable Mortgage Package In Singapore?

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Compare the Best Loans

Need a mortgage loan and confused by all the offerings out there? We can help you find the best loan for your needs. Tell us a bit more about yourself and the property you are looking to buy, and we’ll take it from there. It’s fast and easy!
Otherwise, If you’d like to know more about mortgages, check out our guides on the right, or use the affordability calculator to figure out your housing budget.
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Get your head around home loans

No tricky insurance lingo here. Just simple articles on complex topics.
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Find the ideal Private Home Loan with our mortgage experts

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Compare Home Loans & Mortgage Interest Rates in Singapore 2018

Searching for the best housing loan in Singapore? Compare interest rates to get the best home loan for your HDB or private property.
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Singapore Bank Board Rates 101 – What You Need To Know

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Home Loans 101: Housing Loans In Singapore

Home Loans: Laying a Good Foundation
Many people dream of owning their own home. No more catering to a landlord’s wishes! Let’s paint the walls bright pink! Make good on an original design idea and knock down the wall between the kitchen and dining room! It all sounds exciting, but remember that a house may be the most expensive acquisition that most of us will make in our lifetime. Purchasing your dream home will likely require financing since most people don’t have that level of cash required to pay for a house outright.
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Property Refinancing 101

Contrary to what most people believe, refinancing your property does not always guarantee more savings. In fact, you could end up spending more with all those upfront administration and legal costs associated with refinancing. Therefore, it is essential for property owners to do their homework before they decide to go ahead and refinance their loans.
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HDB LOAN VS BANK LOAN : COMPARISON OF SIMILARITIES & DIFFERENCES

Real estate purchase is easily one of the biggest financial commitments we will undertake in our lifetime. We spend the next 20-30 years contributing a portion of our salary to the repayment of the amount.
The good news is that you have the choice of getting a HDB or bank home loan in Singapore when you purchase a HDB flat. There is no hard and fast rule that places one above the other but you have to weigh the options and make the choice wisely depending on your financial situation.

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Finding the most suitable mortgage package

Homeowners can make use of a home loan comparison platform.

How to get a suitable mortgage package in Singapore?

Buying a property is probably the biggest financial commitment for most Singaporeans. Just as we ponder over our choice of a dream home, we should also do our homework when it comes to choosing a mortgage package to ensure that we keep our financial liabilities to a minimum. Given the myriad of mortgage packages on offer, each with its own interest rate, fees and criteria, it can be tedious (especially for a new property owner) to navigate the various mortgage options and assess the impact of each one on the loan costs and repayment. Here, we at GET.com address the key questions that will help you in your quest for a suitable mortgage package…. Continue Reading

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Step-by-Step Guide in Getting a Mortgage

Buying a property, whether for residence or as an investment, can be an exciting yet daunting experience. At UOB, we can help you understand the process to prepare you for your property purchase.

Mortgage Packages, Singapore

In today’s time, there are a number of mortgage packages available across the market. Banks in Singapore offer a wide variety of packages and features, and there are a significant number which combine different features, such as Capital and Interest Mortgage, Cash Back Mortgage, Combo/Hybrid Mortgage, Interest-offset Mortgage, etc.
Capital and Interest Mortgage is usually the standard mortgage package, and equal monthly payments are made towards the payment of the interest as well as the principal. The principal payment amount grows on a gradual basis over the loan-term period, and the debt is completely paid at the commencement of the loan term. In a cash back loan, the lender returns a portion of the loan to the borrower in the form of cash. This usually entails that the borrower is tied to the loan for a lock-in period. A Combo/Hybrid Mortgage enables one to divide their total loan into different parts, and utilise a different loan package for each. Banks also provide Interest-offset Mortgage loans in Singapore, which enable one to receive the same interest rate on part deposits, which can be used to pay for your loan. The usual ratio is two-thirds of your deposit, and the remaining portion will have a reduced interest rate.

Approval in Principle Mortgage, Singapore

These loans are increasingly getting more popular, and there are a number of mortgage calculators available online, which can help determine the most suitable form of mortgage loan quantum to be taken up. However, these are merely figures which may not always be a correct indicator of your current situation. In order to get a more reliable commitment from a lender, it is preferable to get the lender’s approval in principle in written format. This helps one conclude what properties are affordable, and thus helps save valuable time. In addition, this also helps give a clear idea of the size of the down payment that has to be paid, and thus plan for liquidating your assets accordingly.

Mortgage Broker Singapore

“When you fail to plan, you plan to fail”. As the leading mortgage brokering firm in Singapore, let us will assist you in finding the most suitable mortgage by comparing mortgage packages across all major banks in Singapore. By engaging us, you don’t have to waste your time to personally visit or call banks/ financial institutions to ask for their mortgage rates. There are many factors to consider such as lock-in periods, pre-payment penalties, claw-back clause, Sibor SOR rate changes etc, which may leave a home-seeker confused with which package best suits their needs. MortgageSENSE makes it simple for our clients by breaking down this information so that our clients can make a better decision. Clients can choose the lowest mortgage rate available in the market. The best part – our services are FREE. This is due to the referral arrangement we have with the banks.

The art of negotiating housing loans with banks: A smarter way to save
It has been said that life isn’t fair and sometimes you don’t get what you deserve but what you negotiate. Did you use to finish all your homework diligently but were tucked into bed at 7p.m. all the same, while your playful brother got to stay up late to watch the X-Files?

Home Mortgage Guide

Whether you are buying your first home or need a refresher, at PropertyGuru our experts have written home loan & mortgage guides & tips for you. Checkout our mortgage guide articles.

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Why the collective sale matter for you?

Why the collective sale matter for you?

Why the collective sale matter for you?

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Why the collective sale matter for you?

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Riding the en bloc fever wave

Why investors are looking to purchase creaky, old properties

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En Bloc Sales – how does it work? – 99.co

En bloc sales for dummies – what happens when a property goes en …

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Collective sales: What does this mean for home prices? – 99.co

En Bloc Sales: How Much Do Private Property … – MoneySmart blog

Going En-Bloc? Here’s What Happens! – MoneySmart.sg

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Enbloc Sale – Can you lose money from it? | The Online Citizen

Money Mysteries: What Happens to Your Money During an En-bloc …

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How the en bloc process works – Propwise.sg

What You Need To Know About En-Bloc Sales In Singapore …

En bloc sale – the good, the bad and the ugly – Property Soul

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Going En-Bloc? Here’s What Happens! – MoneySmart.sg

Coping With En Bloc Fever – e-Storm Community – Storm

En-bloc Step by Step- Legal Aspects – OTP Law Corporation

En bloc frenzy: 3 questions you may have about the current hype over .

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DOWNLOAD: Getting started on property investing Guide 101

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Getting started on property investing

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I Want to Buy Property

Interested in buying property in Singapore?

Your own guide to investing in property in Singapore

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Investment property vs buying to stay: 6 differences you need to know

For many years, Singaporeans have been living with the perception that having an investment property is a sure-win ticket to making a neat profit. But with recent cases where we’re seeing million-dollar HDB flats and staggering losses in high-end properties, it is perhaps a sign that the tides have turned and that buying a property is not a “100-percent safe investment”.
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REITs vs actual properties – Which is a better form of investment?

In this slow property market, REITs are slowly gaining favour among investors
The Singapore residential property market has been on the decline in the last three years, but that doesn’t mean investors have stopped looking for opportunities to tap into. In fact, thanks to the drop in property prices, those who are confident in the country’s economy have been snapping up properties. There have also been those who have diversified their portfolio. While investing in properties have proven to be rather lucrative in the past, it is no longer a “sure-win” bet. As a result, investors have increasingly looked for alternative ways, such as REITs to grow their capital. But are the returns using these two methods the same?
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Is 2017 a good year to invest in multiple properties?

It has been a good three years where prices of private residential properties have been going through a soft landing. Since the second half of 2014, investing in multiple properties was no longer in vogue. This was a far cry compared to 2010 to H1 2013 where there was an intense desire to purchase private condos, especially given the opportunity low interest rates provides.
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Purchasing a condo as your first property – Smart move or big mistake?

It’s 2016, and Singaporeans are more likely than ever to graduate from university, to secure a white-collared job, and… to purchase a condominium as their first property? Studies from Singstat show that 16.9 percent of Head of Households under the age of 30 are currently living in condominiums, and that young Singaporeans are increasingly looking to invest in a condominium as their first property, rather than purchase public housing and upgrade subsequently.
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“Minimum money down” property investments: too good to be true?

Want to invest in property, but don’t have much money to put down?
You’re scrolling through your Facebook newsfeed, and you come across an aggressive-looking ad which is boxed up in red and uses a ton of question marks. It promises you that anyone, even YOU, can upgrade to a condominium or invest in property whilst putting minimum money down. You stare at it suspiciously, and wonder if it’s too good to be true.
Unfortunately, most “minimum money down” property investments are a bad idea, and in this article, we’ll tell you why. Read on to learn more about the various ways “minimum money down” schemes work, and what they entail!
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6 things to consider before becoming a property investor

Buying your first property is a lot like getting married. It’s a major commitment, requires a whole lot of money, and you must be prepared to ride out the ups and downs of the journey. And if that isn’t enough, now you want to talk about doing it a second time as a form of investment? Well that doesn’t make it any easier (you can ask anyone who has been married twice). Here’s what you’ll need to consider before becoming a property investor:
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Are housing profits in Singapore an illusion?

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Singaporeans are often accused of being over-optimistic, when it comes to property investment. The truth is, this is not a “Singaporean” or even an “Asian” trait – indeed, excessive optimism with regard to property is common all over the world. In 2006, for example, the total debt owed in home loans in the United States was equal to 99 percent of their GDP. In fact, by comparison, Singaporeans are not too “property crazy” at all. But there are many misconceptions that need to be cleared up.
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How to make a smart property investment during a slow market

It’s no longer breaking news that the economy is going through a rough patch. The Monetary Authority of Singapore (MAS) in its latest analysis, published in The Straits Times on 28 April 2016 indicated that “the gloom blanketing Singapore’s economy is likely to deepen although an outright recession remains unlikely”. In such a climate, should people invest at all?
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Property vs stocks vs bonds: Which one should you pick for retirement?

A common question among Singaporeans is: will I be able to retire, and which country’s GDP must my bank account match to do so? Well common sense dictates the answers are yes (because at age 82, weekly strategy meetings are no longer an option), and France. To help you out a bit, we’re going to summarise the age-old issue of property vs stocks vs bonds:
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Why NOW may be the best time to buy property

Property prices have fallen across the board, but home owners still aren’t biting. In some cases, this is an effect of a weak economy, and rising interest rates. In other cases however, some may have taken the route of property investors – they want to wait for prices to drop, and time the market. But rather than being prudent, this could be a mistake.
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5 things to look out for in an investment property

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Where to invest beyond Singapore’s residential sector?

Where to invest?

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Favourite Property Mistakes That Singaporeans Love To Make

Favourite Property Mistakes That Singaporeans Love To Make

Favourite Property Mistakes That Singaporeans Love To Make

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Favourite Property Mistakes That Singaporeans Love To Make

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4 Favourite Mistakes Singaporeans Make When Purchasing Their First Home

4 Expensive Mistakes Singaporeans Make When Buying Their First Home

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4 Expensive Mistakes Singaporeans Make When Buying Their First Home

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Buying a House in Singapore: Top Mistakes First-Time Buyers Make

10 Worst First-Time Homebuyer Mistakes

First-Time Homebuyer Mistakes You Don’t Want to Make

Avoid these 5 first-time homebuyer mistakes

8 Costly Mistakes to Avoid when Buying a Home in Singapore

5 CRUCIAL MISTAKES FIRST TIME CAR BUYERS MAKE

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7 Common Mistakes Made by First-Time Home Buyers

6 Common Mistakes First-Time Homebuyers Make

Avoid these 10 mistakes every home buyer makes

6 first-time homebuyer mistakes to avoid

10 First-time Homebuyer Mistakes

5 first-time homebuyer mistakes

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10 Worst First-Time Homebuyer Mistakes
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5 Favourite Property Mistakes That Singaporeans Love To Make

Don’t make these mistakes when you are thinking of buying a property.
Property is a great investment, because it’s not like this whole country that is only one island has a lot of space. By 2060 it will probably take a 25-year mortgage just to pay off your parking space. That said, overhyping the whole “property is great” angle leads to a lot of hasty mistakes:
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5 favourite property mistakes that Singaporeans love to make

ShareProperty is a great investment, because it’s not like this whole country that is only one island has a lot of space. By 2060 it will probably take a 25-year mortgage just to pay off your parking space. That said, overhyping the whole “property is great” angle leads to a lot of hasty mistakes. If you’re still living with parents, and have a high ventnough income, you might be tempted to play landlord by buying a shoebox apartment. In theory, it seems like a good idea: buy a luxury 500 sqft or smaller unit, and then rent it out to expatriates for side-income. The problem is, you now become the owner of private property. As in, you are no longer eligible to buy a HDB flat. So what happens if, before the 25-year loan on your shoebox is up, you decide to settle down and raise a family? I understand the temptation to invest in property as soon as possible but when it comes to shoeboxes, make sure you have somewhere viable to stay, or that you’re dead certain you won’t be settling down any time soon, before buying…. Continue Reading

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  1. Not knowing the real cost of home ownership

Getting acquainted with the home purchase process took more than knowing how much 3-room and 4-room units cost in our preferred districts. Apart from the listed prices, there were other costs involved. It looked something like this during the different phases:
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2. Paying more than what it’s worth
“Check, check and triple check”, my GP teacher used to holler in junior college; reminding us not to lose unnecessary marks due to simple mistakes in our essays. In this case, I kept tabs on the property market and found out that resale prices dropped slightly in Sembawang and Bedok. Property comparisons were easy with the URA’s Property Price Index (PPI). I also kept myself fastidiously updated on the transacted prices for resale flats within the last two years on HDB’s website. By then, I knew enough housing and financial abbreviations to rival any insurance or housing agent.
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3. Not checking for defects and poor workmanship

With the horror stories I read online about buyers discovering leaky toilets and popping floor tiles, a thorough inspection was something on my must-do list. I now know the drill – a long roll of masking tape, a fine marker and keen eyes to inspect every corner of my newly collected flat or a renovated resale unit. For resale units, a professional would be needed to check the electrical systems, plumbing, air conditioning and any other possible defects that I could not identify.
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4. Not planning ahead

In the midst of our future home research, K and I had envisioned how our rooms would look like. But on hindsight, we realised we hadn’t talked about the numbers – how much we would commit to renovation loans or if we would upgrade after the minimum five-year occupation period.
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Stamp duty: Common mistakes to avoid
For the past three years, more than 90% of taxpayers have complied with the requirements for stamp duty, which is paid on documents or agreements related to properties in Singapore as well as stocks and shares. These include tenancy or lease agreements, acceptance of options to purchase as well as sale and purchase (S&P) agreements.
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3 Mistakes Young Singaporeans Make When Purchasing Their BTO Flat

Balloting for that BTO flat or shopping around for a resale flat are practically a rite of passage for young Singaporeans about to tie the knot.

Since it’s something so many here go through, people tend to go through the motions without really trying to critically think about what they’re doing. They ballot for the biggest flat they can afford, thank the gods when they finally get allocated one after many unsuccessful attempts, and then sign up for that home loan.
Easy right? Not really. Here are four mistakes too many young people are making when they start the process of getting their BTO flat.
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First-time home buyer? Avoid these mistakes

For many, a home is probably the biggest purchase one will make in a lifetime. If you’re in the market for your very first home purchase, the sheer number of things to consider could leave you with analysis paralysis. Knowing some common mistakes first-time home owners make—and how to avoid them—could help before you sign on the dotted line.
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9 common mistakes of first time HDB buyers

There are a lot of things to consider when buying a new flat, but that’s not the main problem. The issue is that your decision isn’t really reversible – buy the wrong unit, and you’re listening to honking trucks at 3 am for the next 25 years (or worse, if you buy a resale unit with a loanshark problem). Here are the common mistakes to avoid:
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5 common mistakes foreigners make when buying Singapore property

So you want to buy a property in Singapore. Well, get ready to look deep – nothing here is how it appears on the surface. Sleepy Yishun has weird crimes, “industrial” Jurong is more green than many other estates, and “sea view” Sentosa is more like an observation platform for container ships. Besides those, here are some other things that get missed:
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Buying a house in Singapore: Top Mistakes First-Time Buyers Make

Buying property in Singapore? The entire process may be complex, but it’s important to educate yourself on the market before taking a big decision.
From putting all your available cash on the table at closing to not considering a professional’s advice, here are the most common – and costly – mistakes first-time homebuyers make.
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Property Buying Guide – Top 4 Mistakes You Want To Avoid

Knowledge that can be gleaned from a property buying guide is often ignored by Singaporeans as they felt that buying property is easy as everyone around them owns a property. A strong cornerstone of what it means to be a Singaporean is to own a property (in property crazed Singapore) which we call our home. From generation to generation, we have been instilled with the mindset that getting a roof over our heads is essential. It is a good mindset to instil in the younger generation.
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60 Biggest Mistakes Made by

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Find The Best Home Loans And Compare

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WHAT IS THE BEST HOME LOAN IN SINGAPORE IN 2018 ?

When it comes to buying your home, it goes without saying that we want to (and should) rack in as much savings as humanly possible and get the best home loan in Singapore. We are talking about something that takes 2-3 decades to pay off after all! It is possibly the biggest purchase of our lifetime. Here, we have gathered and analyzed over 100 mortgage loan packages across 16 banks in Singapore to help you find one that tailors to your situation best.

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Top 5 key preparations to make when your property is going En-Bloc

Top 5 key preparations to make when your property is going En-Bloc

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Top 5 key preparations to make when your property is going En-Bloc

How to Ride the en bloc fever wave?

The big “E” (read: en bloc) has been making waves in the property market for a good part of the year. Everyone is talking about it but what does en bloc fever really entail?
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WHAT YOU NEED TO KNOW ABOUT EN-BLOC SALES IN SINGAPORE

Private property is a well sought-after commodity in land-scarce Singapore. Yet in some cases, the government and property developers can actually take over the land that your property sits on, compelling you to sell your house.
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What is En-Bloc?
An en-bloc or collective sale occurs when the there is a sale of two or more property units to a common developer. In the event of a successful en-bloc sale, proceeds are usually divided amongst all the unit owners.
Read more…
Why En-Bloc?
The obvious reason is the high potential for profits. In land-scarce Singapore, property prices are generally on the uptrend over a long time horizon.
Read more…
What The En-Bloc Process Involves
Either external buyers or homeowners who can put the entire development on sale can initiate an en-bloc.
The first step is for the homeowners to form a sales committee and appoint no more than three persons to represent the entire group.
Read more…

What are the main driving forces behind the en bloc fever?

The demand for land parcels far outweigh the supply of land parcels. This is because the real estate market is starting to form a floor in terms of pricing as more and more buyers are starting to look for property.
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Why are privatised HUDC estates a hotbed for en bloc fever?

Privatised HUDC estates are a unique class of property in Singapore. They were originally created for the sandwiched class of Singaporeans who can afford more than HDB flats, but cannot quite afford private condos.
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What are the five recent ex-HUDC en bloc sales?

There were five ex-HUDC estates that successfully completed their enbloc in the last two years – Shunfu Ville, Raintree Gardens, Rio Casa, Eunosville and Serangoon Ville. From a market standpoint, these were the low hanging fruit. Looking at the number of units in each development, all five developments were not too large nor too small.
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So what’s next for the remaining eight?

Of the remaining eight privatised HUDC estates – Tampines Court, Florence Regency, Laguna Park, Ivory Heights, Pine Grove, Chancery Court, Braddell View and Lakeview Estate – six have started the en bloc process
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What does the recent bumper crop of collective sales mean for the property scene?

The next real estate boom is coming. Bullish bids for land do not come out of the blue. No one is in the business to lose money. Collective sales mark the bottom of the market. Every time a collective sale happens, the surrounding developments pick up in price and interest. This is because the bids from recent en bloc sales have been much higher than surrounding developments. This means that when the time comes for the new development to launch, the developer would have to include the build cost and their markup margin in the launch price. As a result, these en bloc projects would launch at a premium over current projects.
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Why the en bloc fever may lead to a rise in property prices?

National Development Minister Lawrence Wong has pointed out that, due to factors such as the Additional Buyer’s Stamp Duty for developers – property prices may not edge up even with the on-going en bloc fever. While there are still factors that keep property prices down, not least the winding down of the oversupply situation from 2013, buyers should still be wary. There are still many reasons why prices can go up, sooner than expected.
Read more…

What is keeping prices down?

At present, the twin effect of loan curbs (the Total Debt Servicing Ratio) and the Additional Buyer’s Stamp Duty (ABSD) is still holding property prices down.
Read more…

Why Significantly higher bids by developers?

Developers are paying around 29 per cent more land, as compared to 2012. And while we’d love to say that’s because of huge confidence in the property market, it’s not quite the case.
Read more…

What are the Rising Development Charges across the board?

Development Charges (DC) are levied on developers, as a tax for projects that increase land value (that invariably includes demolishing old properties to build a new one). You can check out the formula for DCs here.
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What is The spillover effect from new to old properties?

New properties and old ones have divergent prices – that doesn’t change the fact that prices of the two moves in tandem.
Read more…

Are We also must consider if over-supply is still a continuing factor?

As Minister Lawrence Wong himself points out, the supply of housing has shrunk. There are 17,200 up for grabs in Q3 2017, down from 40,000 in 2012.
Read more…

Will your condo be put up for en-bloc?

Methodology: The Edge Property constructed a logit model to determine the probability a condominium would be put up for collective sale. You can also readabout the 10 condos we think have high en-bloc potential.
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En bloc sale – the good, the bad and the ugly

Spring Grove is the latest condominium jumping on the en bloc sale bandwagon.
Almost every week, there is an announcement of a new privatized HUDC estate or old project putting up for sale.
En bloc wealth multiplier?
The latest collective sale of Mayfair Gardens brings the total tally for the year to $6.7 billion. Part of that money will return to the Singapore property market, while some of it could eventually make its way abroad.
Read more…
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WHAT ARE THE HISTORICAL ENBLOC SALES, BREAKDOWN BY YEAR?

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WHAT ARE THE HISTORICAL ENBLOC SALES, BREAKDOWN BY DISTRICT?

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WHAT ARE THE TOP 20 LARGEST ENBLOC SALES?

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What are the 5 key preparations to make when your property is going en-bloc?

It’s finally happened – a developer has decided your old house, leaking roof and all, is worth way more than you originally paid for it. Before you start celebrating and picking your new home, there are some preparations you should make. Failure to do these could result in a financial and logistical nightmare, from which you’ll take a year to emerge:
Will your new home be ready, by the time you’re vacating the old one?
BUYING IN SINGAPORE, PROPERTY NEWS & ANALYSIS

5 key preparations to make when your property is going en-bloc

It’s finally happened – a developer has decided your old house, leaking roof and all, is worth way more than you originally paid for it. Before you start celebrating and picking your new home, there are some preparations you should make. Failure to do these could result in a financial and logistical nightmare, from which you’ll take a year to emerge:
Read more…

Have a storage plan for all your belongings

Will your new home be ready, by the time you’re vacating the old one?
If not, you need to work out where to stash all your belongings – particularly the furniture you want to keep. It may mean renting storage facilities, or even warehousing, for a short time.
Read more…

Make sure you have enough cash to cover you, till the proceeds come in

It can take up to a year for sales proceeds to come in, if you’re unfortunate. During this time, you need to make sure you have sufficient cash for your new home.
Read more…

Budget early, for the renovation of you new home

Most renovation loans are capped at six months of your income, or $30,000, whichever is higher. You’ll want to enquire with the bank, as to whether you qualify for such a loan. If not, you may need to use in-house financing, by going through the interior design firm.
Read more…

If you would make a financial loss, be ready to present your case to the Strata Titles Board

Even if the majority vote to go en-bloc is reached, the sales committee must still present the case for the en-bloc to the Strata Titles Board. This can only be circumvented if there is a unanimous (100 per cent) vote to go en-bloc.
Read more…

Move to secure properties quickly, if you want one that’s nearby

Most homeowners affected by the en-bloc will be looking at the same places as you: properties in the same neighbourhood as their old house. In fact, an en-bloc is often good news for other sellers in the area, as new homeowners seek properties in a familiar zone.
Read more…
Top condos with en bloc potential
The sale of Eunosville to MCL Land for $765.78 million on June 1 brings the number of successful collective sales so far this year to four. The total collective sale value so far stands at $1.5 billion, compared with the total value of $1 billion for the three successful sales in 2016 and $380 million for the single sale of Thong Sia Building in 2015.
Readmore…
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En Bloc News
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En Bloc News
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5 freehold condos near en bloc estates
If you’ve been watching the property market, you must’ve noticed the recent spate of en bloc activity. In fact, the entire island seems gripped by collective-sale fever at the moment. Six residential en bloc deals have been sealed in the year-to-date. Serangoon Ville was snapped up for $499 million in July, while projects in the process of going en bloc include Sun Rosier, Florence Regency, Normanton Park and Park West.
Read more…
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What are the 5 property trends we’ll probably see in 2018?

It’s almost 2018, and if this year was anything to go by, things are about to get crazy. Everyone’s expecting an upturn in the property market – but the question is when. On top of that, we have some new fads that are popping all over the place. Here are some of the things to brace for:

En bloc madness will likely accelerate, unless the government steps in

The rush to refinance will probably keep mortgage bankers busy

Property sales volumes is likely to be brisk

Expect to pay more for your private property

The rental market seems likely to remain weak

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What are the Most affordable condos with en bloc potential in Singapore’s prime districts?
The collective sale fever is back, and deals have been flowing thick and fast in the past two months. So far in 2017, there have been eight successful collective sales – including that of Citimac Industrial Building – at a total value of approximately $3.5 billion. This exceeds all three deals done in 2016 by far.
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What will en bloc millionaires buy next?
Retired chartered surveyor and valuer Lim Lian Seng was chairman of the collec- tive sale committee for the third time at the freehold Amber Park condomin- ium when it was sold for $906.7 million ($1,515 psf per plot ratio) in October. The price paid by the top bidder — joint venture partners City Developments and Hong Leong Holdings — at the close of the tender reflected an 18% premium to the reserve price of $768 million.
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En bloc sales for dummies – what happens when a property goes en bloc

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En bloc sales are all the rage right now, but do you understand what actually happens when your property goes up for it? Here are the steps involved:
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Ongoing En Bloc Sales 2017

Interested in finding out the projects which are in the process of going en bloc? SRX Property has compiled the following list for you
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En Bloc Sales 2017

2017 has witnessed another wave of en bloc fever. Till date, a total of 16 collective sales worth more than S$6.2 million were transacted, according to SRX Property compilation. In some collective sales, the sheer project size means that a sizable number of displaced homeowners will be looking for a new home, creating housing demand.

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Collective sales in Singapore: What does this mean for home prices?

The collective sales and en bloc fever in Singapore is far from over. Recent estates which have been released from sale include How Sun Park, near Bidadari, as well as Pearlbank Apartments in Outram. If successful, these will add to the approximately 2,700 homes which have been sold en bloc in 2017. This is a marked increase from the 600 homes which were sold via the same last year.

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En bloc contagion spreads to commercial, mixed-use properties

THE residential en bloc contagion has spread to the other property sectors, with more commercial and mixed-use developments joining the collective sales rush.
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Search Result for ‘Potential En Bloc’

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The hidden cost of en-bloc fever

There’s en-bloc fever in Singapore right now, as foreign developers (Chinese foreign developers, to be precise) muscle in. We’re not a unique case – if you look at Hong Kong and Australia, you’ll see Chinese developers have been buying up land like crazy everywhere. That’s good news for people living in old estates, but don’t forget there’s a cost to the rest of us:

Why are Chinese developers paying crazy prices?

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EN BLOC SALES News

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en bloc News

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Commentary: What happens when the en bloc musical chairs stop?
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En bloc sales – What happens when your property goes en bloc

En bloc sales are all the rage right now, but do you understand what actually happens when your property goes up for it? Here are the steps involved:
1. There are three ways an en bloc process gets started:

2. Pro-tem committee to rally interest
Owners who want to sell will form a pro-tem committee, with the aim of rallying support for the en bloc sale.

3. Engaging a property consultant and law firm

4. Getting the majority to say yes

5. If the owners initiated the en bloc, the property consultant then handles the sale by tender

6. Application to the Strata Titles Board (if there’s no 100 per cent agreement to sell)

7. If the application is approved by the Strata Title Board, the en bloc takes place according to an agreed-upon timeline
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5 Mistakes Home Buyers Make – and how to avoid them?

5 Mistakes Home Buyers Make – and how to avoid them?

For educational purposes only. All copyrights belong to their respective owners.

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Property Buying Guide – Top 4 Mistakes You Want To Avoid

Knowledge that can be gleaned from a property buying guide is often ignored by Singaporeans as they felt that buying property is easy as everyone around them owns a property. A strong cornerstone of what it means to be a Singaporean is to own a property (in property crazed Singapore) which we call our home. From generation to generation, we have been instilled with the mindset that getting a roof over our heads is essential. It is a good mindset to instil in the younger generation.
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Beware of these 10 common mortgage mistakes

Applying for mortgage loans can be difficult for first time and repeat home buyers alike. The process takes a lot of time and paperwork that trip up homebuyers on a regular basis. The most unfortunate ones end up getting disqualified by missteps. If you are looking for mortgage loans Singapore it’s best to be wary of these 10 common mortgage pitfalls.
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How to avoid the top 5 mistakes that first-time home buyers make when buying their resale flat

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Buying a BTO? Avoid these 4 mistakes.

Since buying a BTO flat is a rite of passage for Singaporeans, some tend to go through the motions without critically thinking about what they’re doing. They ballot for the biggest flat they can afford, thank the gods when they finally get allocated one after many unsuccessful attempts, and then sign up for that home loan.
Easy right? Not really. Here are four mistakes too many young people are making when they start the process of getting their BTO flat.
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Property Buying Guide – Top 4 mistakes to avoid

Property buying Guide – Top 4 Mistakes To Avoid

Rushing Into A Decision

Properties in Singapore have a lifespan of 99 years (less if you are buying an older property). Depending on how long we live, the property will be our home for the next 60-80 years. For most of us, we would probably be living in the space for at least the next few decades.
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5 COMMON MISTAKES YOU SHOULD AVOID WHEN BUYING YOUR HOME

Buying a dream place to call our own can be a daunting task, especially if it’s our first home. We find ourselves on an emotional roller coaster; emotions are raged with excitement but also filled with uncertainties. If we are not cautious, buying a new home can become profoundly exhausting and scary.
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9 common mistakes of first time HDB buyers

There are a lot of things to consider when buying a new flat, but that’s not the main problem. The issue is that your decision isn’t really reversible – buy the wrong unit, and you’re listening to honking trucks at 3 am for the next 25 years (or worse, if you buy a resale unit with a loanshark problem). Here are the common mistakes to avoid:
Read more…

5 Common Mistakes to Avoid When Buying Your Home

Buying a dream place to call our own can be a daunting task, especially if it’s our first home. We find ourselves on an emotional roller coaster, with emotions ranging from excitement to uncertainty. If we are not careful, buying a new home can become exhausting and scary.
Read more…
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5 common mistakes foreigners make when buying Singapore property

So you want to buy a property in Singapore. Well, get ready to look deep – nothing here is how it appears on the surface. Sleepy Yishun has weird crimes, “industrial” Jurong is more green than many other estates, and “sea view” Sentosa is more like an observation platform for container ships. Besides those, here are some other things that get missed:
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Five Mistakes to Avoid As First-Time Homebuyers

For many, buying a home is the single biggest investment one will make in one’s lifetime. The process is complicated, and requires some groundwork. Think of it like an exam: the better prepared you are, the better your results will be. Here are five common mistakes that, if dodged, will stand you in good stead.
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5 Common Mistakes Made by Singaporeans in Search of Their Dream Home

So you fell in love with the penthouse’s infinity pool or were bowled over by the sea view from the living room. But before you eagerly hand over the booking fee or deposit, stop right there. There’s nothing worse than sentencing to yourself to a life of home loan repayments only to realise that your dream home is more Headache than Heaven. Here are five common mistakes Singaporeans make when they commit themselves to a home.
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4 Expensive Mistakes Singaporeans Make When Buying Their First Home

It all began with a copy of Home & Decor lying around at K’s place. For the next three hours, all we were talking about were Scandinavian paint palettes, bathtubs and waterbeds. A quick subscription to HDB’s eAlert service and PropertyGuru later, we were oohing and ahhing over private pools in Sentosa Cove homes and suggesting Toto numbers to buy during the weekend.

While K was collecting home design inspirations on Pinterest, I was doing my mental sums and making notes on per-square-foot prices by district. As a true-blue strategist (I ranked 2nd in my Chinese Chess club back in university), I was going to gather all my resources and plan every move carefully before I put in my money. As the saying goes, ‘If you fail to plan, you plan to fail’.
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4 Ways To Avoid Costly Mistakes Often Made By First-Time Home Buyers

Surfing Pinterest for inspiration or browsing through stacks of interior decor magazines can be really fun when you’re thinking of getting your home first. It’s easy to visualise your dream home, but to afford it is an entirely different matter.
For many, owning their own house is a life-changing event. Nothing says independence as much as having your own place. However, home prices in Singapore aren’t anything to scoff at, and any mistake made here during the planning process can prove to be a costly one. But fret not as we’re here to help you avoid these pitfalls that could prove to be costly mistakes.
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4 Key Mistakes Young Couples Make While Buying Their First House Together

Surrendering to the embrace of wedlock is a transformative decision in the life of every individual just like buying your first property. Both decisions come with long-term financial implications and test your resolve as an individual and a partner.
Thanks to the Fiance-Fiancee Scheme, there has been a massive jump in Singaporean couples taking the leap of faith by applying for a flat together before even getting married. In lieu of the housing crunch and elevated property costs emerging over the past few years, young couples sure of their future together are willing to take drastic steps to avoid suffering the burden of inflation and an oversaturated property market later on.
It is therefore sensible to be alert to the possible pitfalls you can encounter before you decide to go down the road of property investment with your partner. Let us take an in-depth look at some of the key mistakes many Singaporean couples fall prey to while taking this decision:
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5 favourite property mistakes that Singaporeans love to make

Property is a great investment, because it’s not like this whole country that is only one island has a lot of space. By 2060 it will probably take a 25-year mortgage just to pay off your parking space. That said, overhyping the whole “property is great” angle leads to a lot of hasty mistakes:
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5 Common Mistakes to Avoid When Buying Your Home

Buying a dream place to call our own can be a daunting task, especially if it’s our first home. We find ourselves on an emotional roller coaster, with emotions ranging from excitement to uncertainty. If we are not careful, buying a new home can become exhausting and scary.
Even though it’s likely to be the largest financial transaction one will ever make, it’s common to find home buyers who are poorly prepared and unable to make a good purchase decision. More often than not, it results in heartaches and regrets down the road, not to mention a big hole in the pocket.
Here are some errors that can be very costly to make:
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7 common mistakes first-time property investors make

Investing in property can be lucrative, luring many to the market. However many potential investors often overlook the costs, resulting in grave investment mistakes. We’ve covered hard truths landlord/investors must know before embarking on renting out a property, but we feel that there are other pitfalls that can be avoided:
Read more…
For many, a home is probably the biggest purchase one will make in a lifetime. If you’re in the market for your very first home purchase, the sheer number of things to consider could leave you with analysis paralysis. Knowing some common mistakes first-time home owners make—and how to avoid them—could help before you sign on the dotted line.

First-time home buyer? Avoid these mistakes

For many, a home is probably the biggest purchase one will make in a lifetime. If you’re in the market for your very first home purchase, the sheer number of things to consider could leave you with analysis paralysis. Knowing some common mistakes first-time home owners make—and how to avoid them—could help before you sign on the dotted line.
Read more…

Five Mistakes to Avoid As First-Time Homebuyers

For many, buying a home is the single biggest investment one will make in one’s lifetime. The process is complicated, and requires some groundwork. Think of it like an exam: the better prepared you are, the better your results will be. Here are five common mistakes that, if dodged, will stand you in good stead.
Read more…

9 common mistakes of first time HDB buyers

There are a lot of things to consider when buying a new flat, but that’s not the main problem. The issue is that your decision isn’t really reversible – buy the wrong unit, and you’re listening to honking trucks at 3 am for the next 25 years (or worse, if you buy a resale unit with a loanshark problem). Here are the common mistakes to avoid:
Read more…

8 Costly Mistakes to Avoid when Buying a Home in Singapore

Buying a property for your own residence or investment is probably one of the major financial decisions we have to make in our lifetime. As it involves a considerable amount of financial commitment, it adds up to the stress of making a decision. We hope to alleviate some of this stress by compiling 8 costly mistakes made by real buyers when buying their property. Hopefully, you will now have a greater understanding of the property market and avoid these costly mistakes by learning from their painful lessons.
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Guide to Buying a New Launch Under Construction (BUC)

Guide to Buying a New Launch Under Construction (BUC)

For educational purposes only. All copyrights belong to their respective owners.

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Should You Buy a Building-Under-Construction Property?

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Understanding Building under Construction (BUC) Loans in Singapore

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Progressive Payment Schedule for Building under Construction (BUC) properties

Under the progressive payment scheme, the drawdown of your mortgage is scheduled into various stages as shown in the below following table:
Stage
Payment under a standard payment scheme ( % of purchase price )
Upon the grant of Option to Purchase 5% – 10% (booking fee)
Upon signing of the Sale & Purchase Agreement or within 8 weeks from the Option date 20% less booking fee
Completion of foundation work 10%
Completion of reinforced concrete framework of unit 10%
Completion of partition walls of unit 5%
Completion of roofing/ceiling of unit 5%
Completion of door sub-frames/ door frames, window frames, electrical wiring, internal plastering and plumbing of unit 5%
Completion of car park, roads and drains serving the housing project 5%
Temporary Occupation Permit or Certificate of Statutory Completion 25%
On completion date 15%
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Understanding Building under Construction (BUC) Loans in Singapore

Why do people want to buy properties still under construction? After all, there are more risks involved in purchasing an uncompleted house versus a completed one. Who knows? The developer may go bust before the property sees the light of day.
Well, the “early bird catches the worm” mentality is at play here. Some buyers want to grab the best units: units with the most beautiful views, etc. But more often than not buyers are motivated by the monetary savings that comes with early purchases. Developers dangle early-bird perks such as a per-square-foot discounts, or the absorption of stamp duties or other administrative costs.
For whatever reasons you are buying a BUC house, you will likely finance it with a loan. This article provides some useful information about BUC loans.
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Buying property in Singapore: Purchasing property under construction

How are you protected?

  • The developer is required by law to provide properties that are free of defects, and you have a year’s warranty for them to fulfill their obligations.
  • If the unit ends up bigger than the original floor plan, the purchaser does not pay extra; but if it ends up more than 3 percent smaller, the developer must recompense you pro rata at the original price per square foot.
  • The developer may not deviate from the approved plan without approval from the BCA (Building and Construction Authority). If he uses cheaper materials or omits work he must reduce the price accordingly.
  • If the building differs substantially from the plans, you can pull out of the agreement and demand a full refund, plus interest at 10 percent per annum

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Property Buying Guide – New Launch Building-under-Construction Condo

Buying a property in Singapore is a major investment, and buying a building-under-construction BUC properties heightens the risk. There’s no transaction history for you to check, and no way of knowing if the developer will fulfill the marketing hype. Still, you may be convinced by the lower initial costs, or by the high demand for a hot property, or a potential hot new area helmed by the future master plan. If that’s the case, then here’s what you better look for, before forking out the Option to Purchase or Sales and Purchase Agreement:
What is an Building-under-development condo?
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Common Terms in Sale & Purchase Agreements

You may now have a better understanding of the whole process of buying a house after reading about theconveyancing process. You put down your option fee, happily waiting for your chance to sign off on your new housing purchase. Some days later, you then receive a stack of dauntingly thick and wordy documents for your signing. Fret not, for in this article, we will guide you through the salient terms which you should take note of in your Sale and Purchase Agreement for the purchase of your EC (Executive Condominium) or Condominium unitin a building that is still under construction.
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60 Biggest Mistakes Made by

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Property Hotspots! What Buyers And Sellers Shoud Know

Property Hotspots! What Buyers And Sellers Should Know

For educational purposes only. All copyrights belong to their respective owners.

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HDB Property Hotspots

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Private Property Hotspots

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Property: “Hotspots All Over Singapore”

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Singapore’s million-dollar HDB hotspots

While data released by the Housing Development Board (HDB) shows that resale prices and transactions for HDB flats both fell in 3Q2017, the number of resale HDB flats that were sold for over $1 million are on the rise.
This year, at least 42 HDB resale units were sold for over $1 million and above. This is compared to 20 units in 2016.
In this article, we delve deeper into the prices, locations and transaction volumes of these “million-dollar” flats.
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This is why the north-east is a hotspot for foreign property buyers this year

In 2017, properties within district 19 (Serangoon Garden, Hougang, Punggol) saw the highest level of demand from buyers of foreign nationalities. In this article, we will look at a few factors that are driving this trend.
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2018 Government Land Sales Reserved List

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