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Hi Millenia,

By any chance, are you local or PR? I believe the best way would be to look into landed property segment, where I'd say is 1 ofthe best way to safeguard the value of your asset. Instead of renting out the HDB, you can possibly look at staying in the HDB and purchase a small to medium sized freehold terrace house to rent out as well as for the potential in capital appreciation. Cashing out a condo before the existing number of projects Under construction TOPs will be a consideration since when these projects TOP, they will compete with you not only for rental but also sale.

Call me for discussion as I do have a few good buys you can consider.

Regards,
Geryl LIM
Real Estate Consultant
CEA Reg R014783H
Mobile: +65-81577565 
Email: lim.geryl@yahoo.com.sg Read More

Hi,

Holding a Hdb has its own benefits. Although deemed as a leasehold property, it is technically a perpetual freehold becos of SERS. Another key benefit is that a HDB is protected by bankruptcy laws. Though i admit that the capital appreciation does not move in sync with private properties and that financing options such as equity loans are not available to HDBs, given the same scenario I would still continue to keep my HDB as a form of reserve of last resort, to be sold if I really run out of options.

I don't consider timing the market as prudent advice as I do not believe anyone can truly predict prices or anticipate demand.

Rental yields have their cycles too and thus it is difficult to say that rental will hold over 20 years. Therefore it is more important that you can afford to hold 1-2 properties over a period of 3-5 years even if rental drop below a predetermined threshold.

Having said that it is possible that you can lock-in your current rental with a 2-yr tenancy without escape clauses and mortgage installments with a fixed package if you won't to be absolutely sure of ur 2-yr returns. After which, prevailing market forces will decide the future rental.

A landed property is a gd investment for the long-term beos of limited supply. But it is unlikely to produce good rental yields. Alternatively, there are always commercial or industrial properties.

Gearing is an important aspect of property investment. Keeping our HDB as a last reserve and renting it out in the meantime will ensure that should the worst case scenario occur, your hdb can be sold to tide u over. Yet in the meantime, it continues to provide u with a steady stream of income and an hedge over inflation.

Do drop me a mail if you would like to discuss more.

Kind regards,
William Choo (朱文彬）
Senior Marketing Consultant, 
CEA Reg No: R044093D
Huttons Asia Pte Ltd (License no: L3008899K)
Mobile: 9721 8288 
Web site: www.facebook.com/PropertySGD Read More

Hi,

Regard to your question. Why not you just drop me an email at ot1984pierre@gmail.com or Contact me @ +65 8 2 7 9 8 3 2 7

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SIBOR / SOR – FLOAT RATE LOAN
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Difference Between HDB n Bank Loans
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Property Tax
hdb resale checklist
Getting a BTO Flat
Getting a licensed contractor hdb
Tenancy Agreement For renting or rent out a house
home insurance coverage - HDB Fire Insurance
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Shalom

Regards

Koh Z H
hp- 8 2 7 9 8 3 2 7
Cea Reg - License Number - R 0 5 7 8 1 0 C
Orangetee - L 3 0 0 9 2 5 0 K
AAG

All welcome Read More