AskGuru Q&A Community

Hi Jdar,

If you've made a considerable amount of money since you acquire it. I would advise you to let it go now while the market is at it's peak while you focus on places that has a proven high rental returns.
If its solely for investment purposes, i would advise you to acquire a small unit that is in a strategic location with a reasonable return to cover your installments while you wait for a future capital appreciation.

All factors are pointing towards a drop in the market. However, there are also reasonable theories to oppose that.
What is your thoughts on this?
I hope to share more to you if you can just drop me an email at clintonlimzj@hotmail.com
I can also be reached at 94523347  .
Hope to hear from you soon Jdar,
Have a nice day! Read More

Hi Jdar,

My team and I specialise in District 22 Pte Condo sales. There are few alternatives which u have mentioned.

It really depends on what are your wants and needs. Based on your question, I would assume that this is your 2nd property since your intention is to keep it for rental.

Honestly speaking, no agents can predict the rental yield u can expect in 2 years time. By selling it off now, you should expect to reap a neat profit. You can re-invest in an alternative existing development whereby you can reap immediate rental.

To keep it till TOP, u can expect to reap rental gains as well as 2 bedroom units are moving fast on rental market. Of course, this is subject to market conditions at point of rental.

Are u looking for immediate gains or looking at future gains? These are the questions u need to ask yourself before making any move.

Best Regards,
Jenna Tong ERA
www.jennatong.myweb.sg Read More

Hi Jdar,

You may consider to sell your Caspian now to make a profit and invest your money in another property if you feel is more secure..

Or you may hold on to you property till TOP for rental income which nobody is able to predict the future rental rate..

Please feel free to contact us for a discussion @ 9027-6142  or kenlim09@gmail.com

Regards,
Ken Lim Read More

Hi Jdar,

You might find this article useful with regards to your queries.

http://business.asiaone.com/Business/My%2BMoney/Opinion/Story/A1Story20100617-222682.html

Ken Tan
www.96461490.com Read More

Greeting Jdar

You have to factor in 2 major consideration.
Equity Buildup & Cash flow growth

When you look at Equity build up closely ,you discover that it comes from two factors:price appreciation & debt paydown.If you buy it right,your real estate investment will begin with a margin of equity right away. This means that your initial down payment(called investment)plus te mortgage loan you incur(called debt),so when added together,will still be less than the price you could sell the property for mkt value .tat difference is your equity in the property.Overtime as u rent ,the two natural forces of price appreciation and debt paydownwork together to increase you equity.Obviously,if the market value increase,your equity in the property goes up.but it also goes up bcos u are paying dw the debt tru mortgage.Eacg monthly payment ,you make reduces the amt you own the loan ,Thus ,as the mortgage debt decrease over the term of the loan(30yrs ,20yrs).Your equity increse consistently.

No doubt Building Equity is good and is real to all investor .But to me i prefer building up cash flow be it ur apt ,hdb or shophse.This is a great investment tool to get urself financial free in ur life.

Cash flow is acheived from a real estate investment when the rental income you receive is more than the costs you incur.The cost include maint fee,loan,rennovation,furniture,agt fee & pty tax etc.
If you Buy it right ,Finance it wisely,control your expenses,you can acheive a positive Net Cash flow.As rent appreciate over time ,cash flow will grow too.Once the loan paid off,the net cash flow grows dramatically bcos ur monthly mortgage loan payment goes off.

Conclusion:Bear in mind,equity have to go against inflation & deflation.If you cash out your money nw,tat doesn't mean u can buy ur next pty @ ur price when inflation grow dramtically

Daniel Chin
daniel_properties@yahoo.com.sg Read More

Hi Jdar,

I specialise in Caspian because I really believe in that project. There are alot of potential in the Lakeside area, it's slated as one of the future growth areas in Singapore. Feel free to give me a call to chat if you wish - not to worry, I'm not the bugging type.

There are alot of good properties in the market but prices for these good properties are rather high. If you are holding on to a good property already, I do not see the reason why you wish to sell it now and buy another good property & waste the stamp duty & agent fee etc. You can still buy another one - I still believe there's further growth in Singapore market, if Hongkong can reach $8000psf, I don't see why Singapore cannot go further. Our financial markets are catching up, we are gaining market share in global talents & we have two casinos :)

Regards,
Louise Lau
Asst Associate Marketing Manager
Propnex Realty Pte Ltd
 98512860  Read More

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