9 Answers

Ivan Ng

In terms of capital appreciation, for a 30 year horizon, chances are inflation would prop up the price which allows you to at least break even. Any gains depend on your holding power and which part of the property cycle that you exit. But I would rate my chances are higher with condo, as resale hdb you are restricted to locals and PRs buyers, and are subjected to more stringent rules such as 30% mortgage service ratios, can only sublet after 5 years, financial funding restrictions for flat with balance lease less than 60 years, to name but a few policies that are relevant for hdb but not relevant to freehold condos. Which in turn caps any potential resale price appreciation, and sometimes introduced arbitrarily by the government.

Which projects are you considering? 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.

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Ling CK

To assist you in making decision, properly you need data rather than feelings to make such decision that last for 30 years.

(1) Capital appreciation: Private vs HDB
2007 to 2017: Capital appreciation in private increased $600 psf compare to HDB $200psf.
In short, private property increased 3 times more than HDB for the past 10 years.

No one can definite forecast what happen 30 yrs later, but you may use this as a guide in terms of past transactions.

(2) Rules and regulations:
Generally, HDB flats are meant for accomodation than gaining profit.
Private properties are meant for both accomodation and investment. Thus when talk about investment, there shall be gain & loss.
Thus the chance of gain in private property is 50% more than HDB already. Of course, it is the same there are 50% of loss as well.

Main decisions in implementing cooling measure though affecting the whole market, but in general is to control the price from rising too fast creating bubble.
It is meant to ensure everyone can afford HDB but not on private, as private also meant for investment. Thus there are rooms for private property to raise as compare to HDB.

(3) Scarcity:
This is an obvious fact.
More land will reserve for HDB than private, because all SC or SPR accomodation has to be taken care off as compare to whether there are land sufficient for investment.

(4) En-bloc:
Private property will receive En-bloc proposal, which usually receive more than selling individually.
So far, most of the private property will goes through En-bloc when it reaches certain age, reason due to (3) illustrated.

(5) Who can buy?
There are certain criteria and conditions to buy HDB, but private property can be sold to anyone.
Thus increase the buyers' group.

Hope the above answer to your main concerns, but if there are more queries, please feel free to contact me at 90110636, or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK

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Aaron Chong
Hi, moving forward, a HDB is no longer deem as an investment and you would not be able to make much from selling it. Pls feel free to let me know if you need any assistance.

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Geryl Lim
Dear sir/madam,

Real estate has always been a good hedge against inflation, which is why the rich has at least 2 properties under their name wherever you go. Given the 30 years horizon we are looking at, it is important that you are looking into the newer properties regardless condo or HDB.

As to how much you can be projected to make, I highly doubt anyone will be able to give you an accurate projection as it will highly depends on the supply and demand of units moving forward as well as any changes to the policies and regulations governing the real estate sector.

We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value.

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Geryl LIM
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Mark Ng S W
Hi Do contact me at 97970200 to discuss more

Mark, your RIGHT choice
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D. Kumar
Hi there,

Thank you for your query!
For investment , of course location plays a huge part in consideration. But above and beyond we cannot negate the other factors - the amenities (distance to amenities), accessibility (how well connected the development is to town/ MRT etc), rentability (depending on development and unit itself) etc. The real returns of your investment solely depends on the quantum you're investing and your investment objectives (projection in mind).

To be able to guide you , I would require more details on your end , to understand your investment objectives ( capital appreciation and rental yield in mind) as well as churn out a financial report after some calculations. Based on this, I would narrow down what exactly you could focus.At the end of the day your objective is to make money and we are here to advise. Furthermore , I have a complete reel of data that is able to show complete price transaction caveats of each and every development in Singapore as well as projected returns and capital appreciation and this has helped many of my clients in managing and growing their portfolio .

Let's discuss further so that I can propose not just projects but also exact unit layouts which will be highly sought after by investors and tenants likewise. That will be a triumphant to your investment. Furthermore, I will take the opportunity to chart out the sales report & projected returns, offering market insights for your consideration.

Visit my website for my recent accolades and testimonials@ www.kumarrai.com.

D Kumar
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Steven Wang
The key word here is FREEHOLD.

A freehold condo vs a 99Leasehold HDB.

over the course of 30 years, the HDB will eventually worth less and less, as it gets older.

Do get in touch with me and i can share more with you.


STeven Wang
OrangeTee and Tie
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Robbie Chen Chee Howe

10% in 30 years, that works out to be about 0.3% rise per year. That's very pathetic return if you ask me.

Looking at historical trends, and provided you purchased the right property at the right price, I strongly believe that your property will appreciate more than 10% within the stated timeframe of 30 years.

Should you need any 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 and your partner in the current market.

Thank you.

Best regards,
Robbie Chen
9748 6305
PropNex Realty Read More


Shawn Chew

Do contact me for a non obligatory discussion. Its important to understand the roadmap and review the best way to meet your objectives.

Shawnchewproperties@gmail.com Read More