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Hi, appreciate your sharing. Able to meet up and share your options after checking with bankers base on your current loan.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi, since you are asking from investment perspective, it would be more likely to profit from an investment in condos with your current capital instead of a resale EA/EM as most EA/EMs are rather old and will likely either stay in price or slight increase while newer condos have a higher space for appreciation.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

https://www.era.com.sg/R064892F

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More

Hi Jayden,

Being young at 35 years of age, your runway is considerably longer than many prospective buyers therefore if you are able to afford a private property, I believe you should go for it especially from investment perspective.

HDB being classified as public housing, has the main objective of providing affordable homes for Singaporeans and PRs, thus in the event of price escalation, the authorities can come in easily to curb on it.

You still have a long road ahead for future reviews of your portfolio, assuming that you get married in the near term or mid term and start your own family, it is not too late to look into offloading your private property and purchase a resale HDB.

In case you are unaware, SPH is organising The Home Expo 2024 this coming September and OrangeTee is proud to be the presenter for this event where we have lined up a total of 16 speakers who will be sharing on the different market segments and topics during the 3 days event. Do register for the event if you are looking out for more insights of the real estate market at http://bit.ly/THE2024Geryl. Looking forward to see you at the event.

——

I have been in the real estate business since 2009, with more than 14 years 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 client's 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!

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Geryl Lim
Senior Division Associate Director
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OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
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My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Landed Dynamic Alliance
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Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi Jayden,

For a start, perhaps you could share with me how many pax will be staying in your family? And how much "space" do you actually require?

From there, I will be able to give you a more appropriate recommendation that's based on your actual family needs.

I am experienced and well-versed in both HDB and private 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 +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hi Jayden,

Yes with income above 14k, you are not eligible for new BTO or grants for resale. Only a potential proximity grant of $10k if your resale flat purchase is within 4km of your parents address.

The good thing about resale HDB is the space you can get for a relatively more affordable price, but the not so ideal aspect is that you are buying now at an all time high for hdb resale prices, especially if you want to get somewhere relatively central. The room for capital appreciation potential is also limited due to this and is affected by hdb regulations that can come in to intervene time to time by the authorities to maintain affordability for the general populace. The other downside is the 5 year MOP period, which means you cannot partake in the private property market for the next 5 years, and by the time your 5 year MOP is up and you want to enter, prices may have run up much higher and it will be tougher to secure an unit in a locality you are more inclined to.

We are also shifting into a lower interest rate environment again, but land prices maintain relatively high. So imho we could see another wave of new price highs benchmarks in all OCR , RCR , CCR regions set by the newer condos. I would think if the finances allow you may want to explore the private property market first to see if anything fits your plans. If can't find, can always fall back to the resale HDB option. Thereafter the 2nd property (should you be getting) next time most likely is a smaller 1 bed with lower price quantum, which will not be tough to find since price is lower and supply plenty. Or the first property gain after some capital gains you can also consider to liquidate and use the profits for the next upgrade.

Just my 2 cents, happy to chat more to understand your plans better.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! ** Read More

Hi,
Now is not a good time to invest in property. Prices are very high for both private and HDB flats. There will be limited upside.

I am also a investor. Read More

Hi there! Here’s a friendly breakdown of your situation and options:

1. **Current Situation**:
- You’re 35+ years old, a Singapore citizen, with a basic salary of over $14k a month.
- You prefer a larger home, ideally a 4-room HDB flat (over 90 sqm) or an Executive Apartment/Executive Maisonette (EA/EM).

2. **Eligibility**:
- Since your income exceeds the threshold, you’re not eligible for HDB grants or BTO flats.

3. **Investment Perspective**:
- **Option 1: Buy a Resale HDB Flat First**:
- Pros: Lower initial cost compared to a condo, potential for capital appreciation, and you can later upgrade to a condo.
- Cons: Limited to HDB regulations and potential resale levy when upgrading.
- **Option 2: Buy a Condo Directly**:
- Pros: Higher potential for capital appreciation, no HDB restrictions, and more amenities.
- Cons: Higher initial cost and down payment, and potentially higher monthly mortgage payments.

4. **Financial Considerations**:
- If you can afford the down payment for a condo costing less than $2.5 million, it might be a good long-term investment.
- Consider your long-term financial goals, lifestyle preferences, and the potential for property value appreciation.

5. **Recommendation**:
- If you’re looking for immediate space and affordability, starting with a resale HDB flat could be a good step.
- If you’re focused on long-term investment and can manage the higher costs, going directly for a condo might be more beneficial.

Hope this helps! If you have more questions or need further advice, feel free to ask.

WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

"If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(***) You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

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*** You can reach me at my Singapore mobile: (65) 98 56 92 55 or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）

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Newport Residences - A highly anticipated freehold development in District Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155 .
Hope to hear from you soon.
Pei
Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd

https://linktr.ee/peiproperty
https://r011838b.propnex.net Read More

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Good day to you,

In the event you proceed for the latter, you will need to wait for 15 months before you are eligible to purchase a resale HDB unit, in the event you get married and choose to move into a more cost-effective and larger unit. With the existing budget, you will be limited with sizing options, yet your preferred larger living area.

Navigate Property Decisions with Confidence

With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. My goal is to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

I offer in-depth knowledge in:
Ø Estate Planning and Distribution: Planning for the future can feel daunting. Let’s work together to create a smooth, transparent process that brings peace of mind.
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Regards
Mike Lim
 96929209 
R026078F
m52i@yahoo.com
ERA Read More