AskGuru Q&A Community

Hi Calvin,

It depends on what are your objectives when reorganizing the property portfolio. Are you looking to secure your retirement or an upgrade in lifestyle? Is there a need to be near your loved ones or a particular location? There are some subjective factors which you will know best and I hope to understand further.

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

Email: Ivanng10@gmail.com
Contact: (+65) 97432395 
Facebook Page: www.facebook.com/ASAProp
Website: http://www.ivanng10.com/clientreviews
(Client's Testimonials) Read More

Hi Calvin,

If you are still at the prime of your earning power, then I suggest that you can consider upgrading to a condo. This is because with a 800k budget, you are unlikely to get a property in a prime location which has plenty of upside potential. Moreover, you will also need to pay the Additional Buyer Stamp Duty of 7% for the 2nd property.

HDB prices have stabilized and the upside potential is capped with the government ramping up the supply over the past few years. It will be a good time to upgrade now as prices have retreated by about 12% near the peak. Transaction volume has picked up with the improving sentiments, signalling that a trend reversal may be not far away.

As you upgrade your lifestyle, you are actually slowly building up your nest for retirement in the future. I have assisted many of my clients in their upgrading journey. Please feel free to contact me so that I can understand your objectives better and provide you with further assistance!

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
(W) www.nick-tan.com

Testimonial from Satisfied Clients (2016)
“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)

“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) Read More

Hi Calvin,

Congratulations for your fully paid HDB!

In today's buyers market, there are so many options for investors like you. But which option provides you with the lowest risk vs the best possible returns on investment?

Make a wrong move now, and you may just get yourself stuck with the property for decades. Make the right move, and you could jolly see your ROI within the next 5 years.

I am personally staying in Queenstown estate, and I am very familiar with the area and its potential too. Let me share my assessment with you.

What if I tell you it's possible for you to have an upgrade on living standards, as well as having an investment income? Would you be keen to explore this option?

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 in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More

Hi Calvin,

I actually have more questions for you than opinions based on your questions:

1) Why district 3?
2) What is triggering you for such thoughts?

Pardon me if I am not answering any of your question, because the perspective of considerations are very different for upgrading and investment.

In investment, we will always look at the outlay vs returns. How much outlay will you need to cough out and what are the potential returns you are able to generate from the investment? Given that the location you have stated have seen a number of project launches in recent years, we are probably looking at supply glut moving forward, leading to highly competitive rental rates and resale prices. In such instance, are there other investment opportunities which can bring about similar or better returns with better liquidity?

In upgrading, we look at affordability as well as values which we are unable to determine through dollars and cents, and such values differ from individuals. If you current place is within the same vicinity, I would like to say that the upgrade will purely be for lifestyle or family, therefore how significant is it to provide such lifestyle change for your family? Would remaining in existing place make alot of difference?

On the whole, we are witnessing that market pricing is more than 10% off the last peak, however, is that the worst at the moment? I am anticipating further decrease of probably another 10% to be honest, however waiting further will mean that choice units which you could be eyeing could be snapped up by another buyer.

To sum it up, I guess any moves you make should boil down to what you need instead of what you would like to do.

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Thank you for your support in 2016 for the Top Producers Award - bit.ly/No1Team

Claim your free home report today at http://bit.ly/ClaimFreeReport.

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

Room Rental @ https://www.facebook.com/SGRentARoom/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

My self introductory video on https://youtu.be/6UfrCOCB6Mg

Regards,

Geryl LIM
Associate Marketing Director
Global Alliance Property (L3010679B) - Century 21
CEA Reg R014783H
Mobile: +65-81577565  /+65-92787772
Email: geryl7772@gmail.com

G.A Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ "Landed 7772" in Mobile Apps Store or Play Store now! Read More

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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

(1) "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) 9856*9255 or through this link.:https://wa.me/6598569255

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

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255 

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE: Read More