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Hi,

I am looking to buy my first property as an investment (meaning I will rent out while I stay with my family). I am single 32 years old and my budget is SGD 1 Million. The bank has confirmed I can buy up to SGD 1.2 million, but prefer to be prudent in a market where interests rates are likely to go up.

My main aim is to ride on the soft market now, and sell it off in 5 years or longer when the market picks up (capital appreciation).

Can someone advice me, is freehold vs 99-LH better. And which are the areas that I should look at for best potential capital appreciation? I would think it is not a good idea to look at older LH apartments since they will only depreciate.

Please share with me your thoughts.
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12 Answers

Hi,

Just my humble 2 cents with the limited info given. In your case since your main aim is capital appreciation, you should consider a 99 year leasehold new launch that TOP in 3-4 years time, as one, the entry price is lower than freehold and two, you be funding it using progressive payment scheme. Getting a completed property means you have to cope with a currently softening rental market, which means your monthly costs may work out to be the same.

I do have some recommendations and value-buy in this category. Thanks and may I understand your requirements further so to value-add better to your plans?

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude

Email: Ivanng10@gmail.com
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Asking for opinion here is being passive. Getting on the ground for viewing the different projects available to achieve your objective will be the right way to proceed. While being on the ground, you will then have a better feel of which project should you go for in terms of good prospective rental given the location and actual environment. Unlike what we say in chinese, talking about soldiers on paper.

Get in touch with me to make arrangements for your exploration.

Visit and Like my facebook page at https://www.facebook.com/propertyblogshop/

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Regards,

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

If you are looking at capital appreciation, targeting new launches that are nearing TOP would be beneficial. The only thing is to understand the geographic and facing of the unit.

Do contact me further for detail discussions.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More
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For investment, always look at project near mrt for easy rental. Even after 5yrs you can choose to sell it off with tenancy.
Lets have a thorough discussion offline from here.
I can reached via a call or sms at 91442664  .
Tricia Tan
Propnex
 91442664  Read More
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Hi buyer,

You should certainly look for new developments, with both capital appreciation potential, and rental yield.

You could consider the east side, with the new MRT stations coming up, SUTD, Project Jewel, and new airport terminals.

Feel free to contact me, and I'd show you some really nice units.

Thanks and regards,
Teck Chuan, Ng
BBA (Finance), NUS
ERA Realty Network Pte Ltd
Mobile: 9137 4602  Read More
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Hi,
For investment, the consideration should be the rental yield and capital appreciation. Location is very important, it must be near to mrt station. Not necessary to be freehold as most of the free hold are not very near to mrt station.
I have a few project for your consideration.

To assist and advise you more in details, kindly drop me an email for me to share.

I am contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More
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Hi, I would advice going for new project that is under construction. And there are some good projects worth investing with like Sims Urban Oasis which is just 5 mins walk to Aljunied MRT. Besides, James Cook University is just mins away which you will have a good pool of tenants from there wanting to view once this project gets TOP. Pls feel free to let me know if you need any assistance.

Regards
Aaron
 9730 8455 
aaronchong2774@yahoo.com.sg Read More
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YT Tan (陈永达)
Good evening buyer,

You can consider new launch for capital appreciation and rental yield when it TOP. Best in those locations that government has announced news that they will develop over there or build new MRT or have nearby existing MRT. But do take note that you might face competition for tenants with your neighbours.

If not, you can consider resale units with tenancy where you can get instant rental returns straight away but you might not enjoy any capital appreciation.

Tenure of course will play some part in your decision making but as an investor, you should focus more on capital appreciation and rental yield potential.

A 99 leasehold that's near MRT might can give you a better rental yield compared to a freehold property nearby due to the lower entry cost.

Lastly let me share some good news with you!

There are a few developers which will be hit by QC and ABSD might reduce their pricing for those affected projects.

If you are willing to wait, I might be able to introduce some good buys in the near future.

Sounds good right?

http://www.businesstimes.com.sg/real-estate/pressures-mounting-on-developers-for-unsold-stock-due-to-absd-qc-rules-redas

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W):www.yttan.com Read More
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Dear friend,

If you like, I can connect you with an experienced investor and take it from there.

regards

Steven Wang
DTZ Property Network Pte Ltd
khim.wang28@gmail.com
 +65 9169 5023  Read More
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hi do contact me as i have something in mind that you will find interesting for investment

Mark Ng
 +65 97970200 
Shenton Realty Homes Read More
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Good evening buyer,

You can consider new launch for capital appreciation and rental yield when it TOP. Best in those locations that government has announced news that they will develop over there or build new MRT or have nearby existing MRT.

If not, you can consider resale units with tenancy where you can get instant rental returns straight away but you might not enjoy any capital appreciation.

A 99 leasehold that's near MRT might can give you a better rental yield compared to a freehold property nearby due to the lower entry cost.

Please feel free to contact me at 97990870  and I will gladly be of service.

Wishing you an excellent day ahead and looking forward to your soonest reply.

Thank you,
Joanne Ang
CEA REG: R056748I
M: 97990870 
E: joanne.ang@ga.com.sg Read More
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GAN ENG JOO ONASSIS
Hi,

Re: Our Preferred Experienced SG Professional

Good buy and dun to be missed based on my recommendation 

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B2-01 to 04 shop (Total 4)

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3 Individual shop : $528K each (Guide Price)
Corner shop: $550K (Guide Price)

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Oxley Tower – CBD Area http://www.commercialguru.com.sg/listing/19744945
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Corner Mall Shop located at 2 storey with maximum exposure to the external corridor. Only 2 mall shop with such exposure at every floor.

Rare Freehold and corner mall shop at CBD
Shop installed with water point.
Min walk to Tanjong Pagar MRT.
Foreigner eligible

For : $1.85 m (Guide Price)
TOP DEC 2018 or earlier

Call me now, we can explore further in detail.

I am contactable at 92222389  or onassis@sgrealtor.com. Read More
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