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Dear buyers,

Some clients I have met prefer to play it safe and they will take as little loan as possible because they do not wish to take risks in terms of having to grapple with potential uncertainties due to economy.

Other clients prefer to take advantage of the existing low interest rates and take up a mortgage loan while investing remaining cash which gives you higher returns than the current interest rates.

The key issue is how risky will the investment be? What exactly are you going to invest in? What are the guaranteed or prospective returns?

I strongly do not believe that anyone can give you a definitive answer in an uncertain economy.

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Regards,

Geryl LIM
Associate Marketing Director
Global Alliance Property (L3010679B)
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Hi,

It depends on your risk appetite, and whether the balance funds available, after taking the loan, can be allocated to more productive investments. I have also seen people going straight for 2 private properties from the get-go (1 for stay, 1 for immediate rental yields) as they believe their earning power is at their highest and are comfortable. Do note that after getting the HDB, both of you cannot purchase another residential property due to the 5 year MOP period. Thanks and look forward to value-add to your housing plans further.

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
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Morning,

Should you have better use for your cash and CPF funds, and that both of you are comfortable with the monthly installment figures on the mortgage loan, it might be good to obtain one. However, if your risk appetite is low or have not intention to invest on the capital that you have in hand, it would be good to pay off your unit.

Do feel free to contact me for further discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi buyer,

If you're fine with re-financing your loan every few years to capitalise on the lower rates as compared to the rates earned in CPF OA, please take a loan. I'd recommend that as well.

Feel free to contact me at your convenience, and I'd introduce reliable and helpful bankers to you.

Thanks and regards,
Teck Chuan, Ng
BBA (Finance), NUS
ERA Realty Network Pte Ltd
Mobile: 9137 4602  Read More

Hi,

Re: Our Preferred SG Professional- Agent.myweb.sg & Agent.irealtor.sg

It depend on your age and retirement goals. 55 years old will be best to clear all housing loans and be debt free.

21-40 years will have the capability to work and pay off installment loan. It will be fine to take housing loan and invest in other stuff :)

Feel free to engage me as your agent. I can assist you based upon your stated contents and walk you through the entire process with options.

Call me now, we can explore further in detail.

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