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Hi Albert Lim, i dont understand your question? Rgds Ravin 9798-5917  fr KNIGHT FRANK Read More

Dear Albert,
When one wants to buy a property, there are a few factors they need to consider.
1. Is it for own use (stay) or investment(to be leased out)?
2. What is your short and long term investment goals?
3. How much gearing will you need?
What type of property you should buy will depend on your answers to the above questions.
As a general rule, prices are determined by demand and supply. In land scarce Singapore, prices of landed properties will always be on a upward trend with fluctuation pegged to the real estate cycle. However, it is not across the board the "landed" properties will flare better than "strata titled" properties. The No. 2 factor affecting property prices i.e. LOCATION do have a very substantial effect on the price too.
Although real estate agents do not have a crystal ball in front of us to predict the real estate market's trend, our experience, knowledge and being out there in the "battle field" do give us a competitve edge on this subject. Read More

we have the answers for you . contact us or attend our seminars every tues 7pm Read More

Dear Albert, we have to consider a few factors before answering your question.I'll just raise one important consideration.

1. Foreigners cannot buy landed properties (easily). The appreciation of landed FH properties is limited by the above. There will always be some super high price transactions that catches media attention but prices above $2000psf are rare and few.

Strata-Title FH however do not have that restriction. There are easily 50 times more units sold above $2000psf compare to each landed sold above the same price.

Give me a call if you want more insight into real estate investment.

Kevin Chung
 +65 96855070 
DTZ Debenham Tie Leung (SEA) Pte Ltd Read More

Dear Albert
You are right - owning a landed property in land-scarce Singapore is certainly of promising upside - given that governance and economy of our country remains relatively stable & progessive.

With current demand in an upward trend spur by the growing wealth of those eligible, current appreciation in prices are obvious. (what if LDAU relaxes foreign ownership, this will accelerate even further as noted in the condominium segment).

Location is prime here also to the contribution of the rate of increase as stated by many of my peers.

However, as with all investments, one should also be aware of the risks inherent to be consider. (Will Singapore continue its prosperity path say 5, 10, 25years later . . .?)

Properties take some time to convert to liquidity - should also be consider.

As Singapore has been well governed thus far with a stable robust economy - proactive yet relatively flexible, the rate of return for a landed property is a promising outcome. One should also not forget, that no matter what - a property serves its primary role - that of a shelter & comfort and even prestige for those own their own land - that alone is intangible and invaluable . . .

After all, we don't live forever - so, let's live life to the fullest!!!

Cheers
Kevin Read More

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Lester Tan
Senior District Partner
ECG Property Pte Ltd
CEA Certified R006736B

(M) +65 9101 7777 
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Hi Albert Lim,

Congratulating you for the Top viewed Question. 45885 viewers include me. Since Mar 2008. Well done.

Just like this interesting question you had posted 3 years 5months ago, the number still counting.....
Your property investment will continue to grow stronger and better in value as year go by. Regardless whether is a leasehold or freehold property.
Eg : Farrer Court, a leasehold "HUDC" before privatized balance 60 years lease, each was sold for $2.15m. "location, location, location".
For the landed property at Nassim, it very interesting.
We need to thank our Government, for the stability, good infrastructure, our world class banking & financial system, especially the strong S$. And restrictedHi Serene,

If you are single, the HDB require a minimum age of 35 years old to qualify to buy the resales "open market" HDB flat only.

Meanwhile, I suggest you may want to get financial plan ready.
Your CPF funds at the Ordinary account, ( include last 15 months contribution) last 3-months payslip or IRAS income tax statement. ownership for all landed property, less LDAU approved owners or the landed at Sentosa.
I agreed all property in Singapore will continue to appreciate over time, the limited land available and have a good government system.
Buying a property is a long term investment, be it for own-stay (our need or pleasure, or investment ( to hedge against inflation, interest rate or opportunity cost).
Future value for most property will rise in different percentage will very much depend on the location (central d1-d8, prime d9-d11)
I would advise for best investment purpose, multiple properties in various central or prime districts.
However, if for your own-stay, pleasure, enjoyment of life, the value cannot be compared or value can be measured. You can choose the bungalow on landed property or "bungalow in the air"
Big penthouses with swimming pool and many other good facilities with security. (The later, has no restriction on foreigners' ownership) .

You are pamper with many choices, but this time make sure you buy with no regret. We need not wait another 30-40 years and regret we never invested in properties.

All the Best.

Best Regards,
Jonathan Tong
Orangetee.com Pte Ltd
Mobile : 9782 2848 
Email: jonathan.tong@orangetee.com Read More

You are very knowledgeable..
www.catherinepang.com Read More

Hi Albert,

Heard this from a taxi uncle recently. 40 years ago, his pocket money was only 5 cents. But now if you give 5 cents to a young kid, he might just throw it on the floor! Maybe now he needs $5 for his daily spending needs. From 5 cents to 5 dollars, that's 100 times or 10,000% inflation in just 40 years !!!

That's why in property investment, you buy and wait, you don't wait to buy!!! Billionaires around the world like Li Ka-shing and Donald Trump definitely had their strong foothold in property investment! It's the only investment with the high leverage of using other people's money (OPM-Banks) The more you owe, the richer you get!!! But leveraging is a double-edged sword, it's all about how you manage it. You can give a sharp knife to a 10 years old boy, he might harm himself with it. But on a positive note, he can learn to cut food and become the next Master Chef!!

The reason why the ultra rich buy S$29M property @ S$5600psf in an upmarket district is because it is the most expensive. Traditionally, if you buy anything that is low in price, this product won’t be able to rise above the next product as it will always determine by the second cheapest property. And the second cheapest property for that category is affected by the next and so on. A classic example, an average HDB resale price of $400-500psf won't go higher then EC average of $700-800psf in today's market.

There is always a perception of the price. But the beautiful thing about buying the most expensive product is that there is nothing on top of it to block your growth because everybody knows that it is the most expensive. That is why good investors buy the most expensive property, they don’t buy the cheapest. When comes to a house for own stay, maybe a fully paid reasonably affordable house is more practical.

Sometimes people like to buy expensive things for no apparent reasons, give them cheap they don't buy. It's about ego and vanity, they feel good by buying the most expensive. Do you think those buyers of $50K limited edition Rolex are not smarter then those who bought $80 Citizen watch? Both served the same purpose of telling the time right? (BTW, I'm not Rolex sales stuff;) )

Talking about freehold and leasehold, a leasehold property not necessarily will depreciate in value in the land-scarce Singapore. In fact, most leasehold project in recent launches are selling at much higher psf then the older freehold development around the vicinity! The only regret is not buying it earlier!

Have a great investment journey ahead!! Call me for rare property investment opportunities in Singapore, Malaysia and Philippines.

Regards,

Clive Foo
District 65 Pte Ltd
mobile: (+65) 91072101 
clivefoo.d65@gmail.com Read More

Dear Albert Lim

You have posted this question on Mar 12, 2008. There were several changes that happened in the real estate market especially in the last few years, so you and the viewers of this post need to be updated. First I help home buyers sellers and investors by educating them. That's why there are more than 11,400++ fans following me on LinikedIn.

There are so much other important things that you should know… What is new?
Check it out 350+ posts, contains useful guides & tips, etc.

Download, forward/share with your Facebook friends as well.

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I agree with you Albert !
Let's go get the 20,000sqft property.
Take you pick, Nassim Road or Cluny Park ?

- Hakim
property@hakim.sg
 9144 9841  Read More

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Hi Sir/Madam

Are you looking to sell/buy or rent out your property?

I will be glad to assist
I am well versed in Private Property transaction and have done many transactions
Appreciate if you can contact me at (65) 9 6 6 0 8 5 0 8 with details of your unit
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) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More

My Answer with regards to your Question:

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Recommendations:

Seek Legal Counsel: Consult a lawyer specializing in family law and property matters to assess your case and advise you on the best course of action.
Contact HDB: Reach out to the Housing Development Board (HDB) for clarification on your eligibility for housing grants and schemes as a second-timer.
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From: ABLE Toh- Your Property ASSISTANT : ）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

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