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Good morning Mr. Pan,

It might be ideal if I can have more details about the hdb so to make better recommendations. We can then compare both scenarios (keeping or selling hdb) and their respective costs to see which works out better. Typically if the hdb is getting too old with limited balance lease, it may be good to cash out since their resale prices would be stagnant.

May I have more info and requirements about your plans so to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

ERA Top 15th Achiever in April 2019 (Top 1% Company Level)
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SMU BBM (Finance), Magna Cum Laude
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(Client's Testimonials)

**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! **

-- HDB Yishun BTO 5-RM Sellers Mr. & Mrs. Koh --

I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan.

-- HDB Jurong West 5-RM Sellers Lenz & Michelle --

We would like to thank you for ensuring a smooth and well-explained process throughout the whole selling and buying of our property. We got to know you thru Property Guru, where we are scouting for condo around West area. We remember that we are quite tight in our budget in purchasing the condo unit,but you are still very willingly explaining and calculating our financial liabilities. You are always having your smiles whenever we met for discussion.

We appreciated your process of selling and buying of our property are very systematically and well executed, from financial calculation to the purchase procedure of our new house. We are always being updated thru our group chat during the engagement of your service.

We would never expect such a smooth sailing experience of selling and buying of property. Your professionalism in work will definitely be remembered and rewarded. All the best in your property venture!

-- HDB Hougang 4-RM Sellers Mdm. Ng & Jean --

Ivan was the first and only agent that we met before engaging him as our exclusive agent. At the first meeting, Ivan meticulously went through the entire sale process. As we were not familiar with the procedures, he spent extra time to explain what was required from us and what we should expect.

After a week of preparation, Ivan came to take photographs, and once the advertisements were up, we had interested parties coming to view the apartment the very next day. Within a week, we had secured an offer from the buyer. Ivan was reliable and responsive, and he made the entire process smooth and hassle free Read More

Hi Yijun, I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Hope to hear from you soon and have a great week ahead. By the way, you have a few options here to choose from so it be good for some discussion for me to find out more.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi Mr Pan, do give me a call. There are many options that you can take. If given the opportunity and some informations, we can deduct the best options for you. Do give me a call at 94508732  and I will be glad to assist you further.

With regards,
Andik Imran (R061801F)
PropNex Realty Pte Ltd
(M) +65 9450 8732  Read More

Thank you for your sharing, allow me to share how you can do base on current situation as I had done it for myself. Weclome you for a coffee 9696 4398  Stewart- Propnex Read More

Hi Mr Pan,

There is no textbook answer or opinion to your question as it involved family comfort and lifestyle, and in some cases where I have encountered, the HDB being the first matrimonial home, there can be a lot of emotional attachment to it, where it cannot be measured simply in dollars and cents.

If we are coming in from the dollars and cents perspective, the first thing we need to look into is how well your existing HDB is doing in terms of value and what is the projection that comes along. Will the projected increase in value plus rental returns that comes along supersede the amount of Additional Buyer's Stamp Duty that you will be required to pay should you purchase a 2nd residential home?

Next consideration will also be what are your options available in terms of purchase that is available which reduces the commuting time from home to school for your child that is comfortable? What are the projections in terms of value for these projects? If these projects available have declining projection in terms of value, are you comfortable in making this move? Since secondary school life is a short 4 to 5 years, will you be looking out to make another move in due course?

The above are just 2 straightforward considerations to determine the pros and cons in making such a move. The good thing is that Chinese New Year is coming up and you can perhaps take this festive period to discuss more with your family. If you require an indepth analysis on your options available, feel free to get in touch with us and discuss more.

I have been in the real estate business since 2009, with more than 10years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my clients’ portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Associate Deputy Group Director
Salesperson Registration No. R014783H
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com
-----
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My self introductory video on https://www.youtube.com/watch?v=uZ6REQfdGSw Read More

Hi Yijun,

Thank you for your query. We are Annie and Joel from OrangeTee, and with us you have twice the support than engaging someone else.

It would be difficult to advice without knowing the details such as the current Hdb, financial, loans, future plan and etc.

As we are not able to contact you, we look forward to your call or Whatsapp, in order for us to better assist you.

Thank you very much and look forward to hearing from you!

Regards,
Annie Zhou
R060551H
BSc (Psychology)
 8753-1128 
Just copy and paste link to browser to chat ---> https://wa.me/6587531128
annie.zhou@orangetee.com

Joel Ng
R043851D
MSc (Real Estate), NUS
 9337-8447 
Just copy and paste link to browser to chat ---> https://wa.me/6593378447
joel.ng@orangetee.com Read More

Hi Yijun, do contact me at 97970200  to discuss more on your best solution

Mark, your RIGHT choice
Propnex Read More

Hi Yijun,

Your problem is not actually a problem. Based on your above description, you do have a few options:

1) Keep your HDB and purchase a private condo (pay ABSD) near your child's school.

2) Sell your HDB and purchase a condo to avoid ABSD.

3) Keep your HDB and rent a condo near your child's school.

Each option has it's own pros and cons. It depends on what is your plans and objectives and expectations going forward.

Some questions to ask yourself:

What is your plan after your child completed Secondary education?

At what age do you plan to retire?

What property am I going to own when I retire?

I am experienced and well-versed in both private and HDB resale transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More

Hi Mr Pan,

I have advised quite a number of my clients who are facing the same dilemma. If you have been following the HDB prices, it has been on the downtrend for several quarters already and in the long run, with the ample supply of new flats, prices are unlikely to rebound.

From an investment point of view, paying the ABSD will not make any financial sense as it will be considered a sunk cost and it will take several years of rental just to be able to recover this cost.

Therefore I will usually advise my clients to sell and upgrade if they are able to afford comfortably. Please feel free to contact me so that I can understand your situation better and provide you with further recommendations.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

Visit my website to get to know me better:
www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

Testimonial from Satisfied Clients

“I would like to recommend Nick Tan from SRI. Before we engaged Nick, we were working with another agent from a very popular property agency in February 2017. We decided to terminate the contract after 5 weeks of zero viewings and no paper advertisements. Basically he was just waiting for phone calls. We engaged Nick on 20th April and by 10th of May, our unit was sold off. Why Nick? 1. He has good marketing strategies 2. He always kept us posted on what he did (communications!) 3. He made sure we understand the current market situation but he will consistently reassure us that the unit can be sold off 4. He is not greedy and trusting 5. He walks the talk”
Peter & Wendy (Property Seller)

I write to commend Nick Tan (R040814C). When my husband and I first met Nick, we were impressed by his drive, commitment, business acumen and strategical thinking, and decided to engage him. We were not disappointed. Nick sourced for prospective quality buyers in a targeted methodical fashion and was effective in connecting us with serious buyers, notwithstanding the fact that the search primarily took place over Dec – Feb (a traditional lull period). Throughout the transaction, he also gave us helpful advice in various aspects; the advice reflected his personal experience and expertise and was not simply regurgitated from public sources without any value-add. Further, Nick went beyond the call of duty of a competent professional. He had a sense of humanity in the way he interacted with myself and the other parties to the transaction such as my parents. As an example, my newborn daughter was warded into A&E on the completion date of the transaction; the care and concern that Nick showed went beyond the scope of work of an estate agent. I commend Nick for his capabilities and character, and would certainly wish to engage him for future property transactions.
Weilun & Benita (Property Seller)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations. We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi Mr Pan

I need to know more about your situation to be able to assist you

I won't be able to contact you first as I do not have your contact, appreciate if you can contact me at (65) 96608508  or Silviayang8@gmail.com with details of your unit
or click here http://bit.ly/2tzIQ1a to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

PropNex Realty Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

Hi Mr Pan

It would be necessary to understand better your situation before we can make any recommendation. It would be good to meet for a casual chat.

You may text 9620 0827  .

Gavin Read More

Mr. Pan Yijun
How to Upgrade from an HDB to a Condo Explained

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