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Market Insights

Bite-sized Real Estate Insights for You To Keep Up with today’s ever-changing Singapore Property Market.

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TOP TEN

Reasons Why You Should Invest in Singapore Properties

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Top Ten Reasons Why You Should Invest in Singapore Properties

1. Rapid Economic Growth

2. Refinancing Becomes Cheaper
3. Affordable leverage available to help you boost your return
4. Generate passive rental income
5. Affordable Property tax in Singapore
6. Enjoy a rental yield that is higher than the mortgage interest rate
7. Low mortgage interest rates
8. Protection derived from property rights and laws and regulations
9. Controlled Real Estate Capital Security
10. Proven wealth progression path
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Our Investment Strategies

We will carefully tailor strategies that suit your situation and not the other way around. 

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Legacy
Planning

Decoupling

Asset
Progression

Portfolio
Optimisation

Matrimonial
Home

Family
Office Set Up

as I explain each reason in detail.

 

INVESTMENT STRATEGIES

RISK MANAGEMENT STRATEGIES

1

Set aside contingency fund

With every investment, there is a certain level of risk involved. As such, it is important to set aside a sizeable contingency fund, should any unexpected circumstances arise. Discover how to assess the amount needed for your specific situation.

2

Mortgage

insurance

Another way of managing risk, especially in property, is by purchasing mortgage insurance. Mortgage insurance ensures that your property is insured, should any unforeseen situations occur.

3

Lasting power

of attorney

When it comes to investments, security is everything. A lasting power of attorney will ensure that your assets are protected, should the worst occur. This will allow a trusted individual to act on your behalf, minimizing risks.

HOUSING LOANS

RATES

1. SIBOR

This is a daily reference rate based on the interests at which banks offer to lend unsecured funds to each other in the Singapore wholesale money market.

2. Variable Rate

This rate is pegged to the Bank Internal Board Rate. This means that banks can review the rates as and when they want. This causes  uncertainty to what borrower have to pay in the future.

3. Fixed Deposit Rate

4. Fixed

TOTAL DEBT SERVICING
RATIO FOR FOREIGNERS

What is TDSR?

Total Debt Servicing Ratio (TDSR) is a debt servicing measure that bank/ financial institution used to determine i the potential borrower is overly geared with debts. 

How to compute TDSR?

Based on the newest measure, TDSR should not be more than 60%

Monthly Total Debt Obligations

_________________      <      60%

Gross Monthly Income. 

What is MSR?

Mortgage Servicing Ratio, or MSR, is a limit imposed by the MAS on how much money you can borrow when you take out a loan to buy HDB property or an EC.

How to compute MSR?

Under the MSR, a maximum of 30% of your gross monthly income can be used to repay your loan.

This rate is normally offered between 1 to 5 years, and the interest rate will usually be higher than the rest. Typically, the longer the fixed period, the higher the interest rate. This is because the bank will have to bear the risk of interest rate going up.

This refers to a Mortgage loan package that is pegged to the Fixed Deposit interest rate. In the event the bank decides to increase the Fixed Deposit rate, your mortgage loan rate increases.

STAMP DUTY & TAXES

CAREFULLY CURATED PROPERTIES

We remove the noise to bring out the best properties worth considering.