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Hi, 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.

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

Hi,

The ROI for HDB is higher due to a lower entry price, but it may not be best for capital preservation since older resale HDB values are generally trending downwards due to various policies to keep HDB prices affordable, and also with the decaying lease issue still weighing on buyers minds. Do also note that for the first 5 year MOP period, the owner is required to stay there and you can't sublet the HDB whole unit out due to the regulations, hence the rental yield will be lower for the first 5 years.

Private property may be a better platform if you plan to preserve the wealth to secure the retirement, as prices are more resilient and generally going uptrend even though at a slower pace. Bank typically use 65 years old as a reference, hence 15 years could be a good gauge. Although for overseas income, they may not grant as much loan.

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)
ERA Top 86th Achiever in Sept 2019 (Top 2% Company Level)
ERA Top 600 Achievers in Year 2017 (Top 10% Company Level)
ERA Top 300 Achievers in 3rd Quarter 2017 (Top 5% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Email: Ivanng10@gmail.com
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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! **

-- EC Sellers, Private Property Buyers Dr. Chan & Ms. Xie --

I would like to compliment Mr Ivan Ng for his professional work and effort.I sent my first post in Jan 2019 and Ivan replied promptly, so I have decided to contact Ivan for follow up. My EC was not ready for sale due to MOP (another 3 months from Jan) at that time and Ivan was able to give me advices on how to proceed from there. Initially we have decided to try to write to HDB for early sale but since it was only 3 months left, eventually we waited for another 3 months while we looked for our next property. Ivan was able to arrange for new property showroom appointment at a timely manner while helping us to list for our EC for sale. We were a bit worried when our EC sale time was longer than expected due to trade war, but Ivan was able to reassure us that our EC would sell. By November, he managed to secure a buyer for our EC. Thank you.

-- HDB Yishun BTO 5-RM Sellers, Private Property Upgraders 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, Exec Apartment Purchasers, 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 y Read More

Dear Sir/Mdm,

You will be able to secure a loan tenure of about 15 years until you turn 65 years old. Securing a loan with your overseas income is possible as some of my clients have done it before.

Between a resale HDB and a condo, I personally think the condo is a better option as there are less restrictions when it comes to renting out for income as it is not subjected to the 5 years Minimum Occupation Period of a HDB flat. More importantly, there is a higher chance for you to achieve capital appreciation 5 to 10 years down the road as compared to a HDB flat. There is also less restrictions when it comes to selling in the future.

Please feel free to contact me so that I can understand your needs and objectives before providing you with further analysis.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
Visit my website to know me better: www.nicktan.com.sg

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

I have written a guide on buying Residential Property:
http://bit.ly/buypropertyguide

Testimonial from Satisfied Clients
“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefited a lot from his advice and sharing. He is extremely patient when guiding me through the buying process and I am happy to secure a dream house within my budget with his assistance. A highly recommended salesperson who made my house hunting journey a breeze.”
Ms Chia (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”
Mr and Mrs Chan (Sold and Bought a property through Nick)

“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 Sir/Madam

I will be glad to assist

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
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

FH condo for sure ...

contact me for detailed explanations..

Steven Wang
OrangeTee
khim.wang28@gmail.com
 +65 91695023  (whatsapp for quick response) Read More

Hi;

As you are based in overseas, the chances of you being able to buy a HDB is very low as HDB are meant for owner occupations and for those in need of a roof over their head.. Generally, HDB will not grant approval for such cases, and its subjected to approval, case by case basis. Even if they allow you to buy a resale unit, the first 5 years you are unable to rent out the whole unit as its still under Minimum Occupation Period. Private condo are more viable for your situation as there are not restrictions on when you want to rent out as well as the ownership. In terms of rental demands, Clementi would be a better choice over Bkt Panjang.. I do have a few in Clementi area that have high rental yield as well as strong demand.

For loan wise, you can loan up to max of 15 yrs loan tenure subjected to bank's approval.

Please do get in touch with me for further discussion as i'm unable to contact you via here. Thanks and have a great weekend !

Regards;
Lyna Song
 9623 8442 
Associate Group Director
Propnex Realty Pte Ltd
lynasong@hotmail.com
https://r025113i.propnex.net
https://wa.me/6596238442 Read More

Hi
To answer your question, HDB trends in recent years has shown it is a depreciating assets due partly to government cooling measures to keep public housing in Singapore more affordable. There is a much higher possibility of you enjoying a capital appreciation in the future with a condo investment rather than HDB. In terms of the ease in finding a tenant, both HDB and condo have their specific target market and you won't have much diffculty in finding tenants for both. However do note you are not allowed to rent out your HDB for 5 years before it reaches it's MOP. No such regulations exist for Condo. ROI for HDB may be higher as the purchase prive is much cheaper but this benefits only extend to long time HDB owner who might have move on to private property or even migrate but holding on to their HDB. For new HDB owners, after taking into account the restrictions, it might not be a viable option from an investment point of view. Banks generally will approve loan that doesnnot extend up to 65 years of age. As you are already 50, you might be able to get a loan for up to 15 years. Hiwever you may get a longer tenure depending on the deposit amount you placed at your condo. I do provide free and non obligations in regards to property transaction in Singapore. In addition, I also do provide 100% free service for purchase of private property in Singapore without the need to pay any commisssions. Do contact me at 93375051  for a free and non obligatory discussions on this.

Regards
Taufik Hussein
ERA Realty Network Pte Ltd Read More

Hi,

You could loan up to age 65, hence maximum of 15 years.

However, do take note that should you past age 55, you will have to set aside the Retirement Sum first, before you can use the balance CPF funds to pay for your property.

As for your question on whether to purchase a HDB resale or a condo, it really depends on what is your objectives and plans going forward. If you're not planning to relocate back to Singapore, it does not make sense to purchase a resale HDB flat. This is because you will not be able to rent out the whole flat until you have met the 5-year MOP.

In terms of location, prices in Clementi is substantially higher than in Bukit Panjang.

If you're purchasing for your own stay, then I would recommend that you take a look at the condos in both areas, and see which location and condo suits your needs better.

However, if you're looking to purchase for investment purpose, why restrict yourself to only this 2 locations? Depending on your budget, I can propose to you suitable properties for you to consider.

I am experienced and well-versed in both HDB resale and private transactions. I will be able to assist you in your property plans.

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