Property GNF

Property GNF 🇸🇬

I'm here to provide clarity for upgrading & rightsizing for your next home.

>> Julian L 93680790

Welcome to Property GNF

Page under construction, stay tuned.

Cost of Living have been increasing over the years. Wages have also increased but in a slower pace or some even stagnant...
13/03/2026

Cost of Living have been increasing over the years.

Wages have also increased but in a slower pace or some even stagnant.

When salary increased; people tend to start upgrading life style & end up start spend even more.

When Salary increased, for family or personal needs, people will tend to spurge on this: [Nothing Wrong]
> get a new or used car
> upgrade house (bigger hdb or condo or landed)
> fashion designer clothes & accessories
> vip event tickets
> investment / bonds
> healthcare insurance
> vacation once or twice a year
> more monthly allowance to parent
> opening a shop or becoming share investor

Deeper pocket = You will find way to spend it.

When income increase people spend even more because everyone want a better comfortable lifestyle.

Whether you are Low, Mid or High income earner,
> Money will always be not enough & never enough.

Fire Sale property is not as good as it seems to be. For Own Stay yes fair enough, good deal.Don’t fall for this trap & ...
05/03/2026

Fire Sale property is not as good as it seems to be. For Own Stay yes fair enough, good deal.

Don’t fall for this trap & remember this:
> Buying cheap property might end up selling cheaper. No one in the right mind will sell you cheap, unless the property are stagnant or declining property.

The Aim for Property Investment:
> Expensive but there potential growth. Buy It
> Investment property is about potential growth not finding cheap property.

No matter which year Buyer will still say so expensive, end up they buy cheaper property & exchange for No Potential Growth property.

> Smart Investor only trust the numbers because numbers don’t lie.

This is my POV. Feel free to leave down a comment so that all of us can learn together.

New or Resale; Avoid Buying These Properties! If you are buying fo own stay, you can skip this post.Many Buyers bought ...
27/02/2026

New or Resale; Avoid Buying These Properties!

If you are buying fo own stay, you can skip this post.

Many Buyers bought property through emotion. I believe you have been through either 1 of these;
> Like Hype
> What If Price Increase Later
> Buy Near MRT Means Sure Earn
> 🔥 Sale Thinking They Can Earn Later
> Nearby Condo Have Accepted & Transact This Psf

The Truth is:
1) Any New Project you buy wrong will affect the Resale value when it TOP.
2) Any Resale Project you buy wrong will continue not doing well.

For Any New or Resale project you are looking into can DM me. I will help you do an analysis so that you have clarity & safe.

Disclaimer: This is my POV. Make sure you do your due diligence before committing.

IMO Gov do not want PLH model to be like BTO for homeowners to flip after MOP. If you really want to go PLH, just stay f...
16/01/2026

IMO Gov do not want PLH model to be like BTO for homeowners to flip after MOP. If you really want to go PLH, just stay for long term. Take note there a subsidy claw back if you sell after MOP.

For PLH, minimum go for 4 Room flat because there 3 bedrooms just in case within 10 years you have new born + 1 helper. 3 Room flat definitely too small. Imagine 3 Room flat in few years time you need a bigger space & you are stuck with total 10 years MOP.

As PLH model is more centralize premium than the rest, if they were to let it be 5 yrs MOP, easily million dollar flat. Look at those older BTO projects like Duxton etc.

> PLH is for long term stay, not for flipping. If you don’t think you can commit long term then go for BTO or Resale.

> Building construction avg 3 years + 10 years MOP + claw back subsidy.

I have clients in their 50’s or 60’s and met younger generation property owner n buyers now.I realize the current genera...
10/01/2026

I have clients in their 50’s or 60’s and met younger generation property owner n buyers now.

I realize the current generation their mindset thinking & the previous generation thinking are very different.

> Old way: They prefers owning multiple property Buy & hold (Rental Income). Monopoly way.
> New Gen way: Buy and Sell (Capital Gain)

In current market why rental is no longer in property game is because property prices went up a lot over the years. With higher downpayment & higher instalment. It is not worth to rent out just to cover the instalment.

Some owner keep for 5-10 years many wear & tear from wall ceiling paints, appliances, toiletries fixing repair etc.

New Gen feel is not worth it. They prefer to cash out get 6 figures once their house appreciates. Then roll bigger house or have extra cash to spend on other things.

Recently I met a buyer so he was asking me about Pro & Con about older HDB flats. What are the considerations? Besides t...
24/12/2025

Recently I met a buyer so he was asking me about Pro & Con about older HDB flats. What are the considerations? Besides the age

Older Hdb Pro:
> Spacious
> Flexible to choose central area for a older HDB
> Cheaper compared to newly MOP
> Shops, Coffee shop, Mini mart below or nearby
> Nearer to MRT, now newer hdb nearer to LRT

Older HDB Con:
> Most of the Car park space are outdoor (get bird s**t)
> Declining resale price (depends on area/near MRT)
> Renovation cost (hacking, old piping)
> Lesser pool of younger generation able to afford
> Unable to utilize all your CPF for younger age buyers

HDB loans are generally calculated so the lease covers the borrower until age 95. For Hdb lease lesser than 60 years will have this issue.

Make sure you know the pro & con before you buy older hdb flat.

Merry Christmas to all. Cheers

There is no right or wrong selling before or after 55 yrs old.> If you prefer to sell after 55 years old make sure you h...
13/12/2025

There is no right or wrong selling before or after 55 yrs old.

> If you prefer to sell after 55 years old make sure you have been contributing accumulating CPF for many years, make sure your CPA OA have fulfill FRS amount.

> IMO, if you are planning to get your last retirement home. In general, It is better to sell before you reach 55 year old. So that you are able to have cash on hand (provided your current house got increase in value). Ultimately is depending on individual situation.

> Lastly, before you start selling make sure you do your due diligence calculations before you make the next step. Sell or Stay Put.

Have a good weekend.

Take note: HDB HFE letter is valid for 9 months from the date of issue. Not 12 months as some buyers are still unaware. ...
08/12/2025

Take note: HDB HFE letter is valid for 9 months from the date of issue. Not 12 months as some buyers are still unaware.

05/10/2025

These are majority Singaporean concerns.

Choosing the “Wrong Property”.

Last time by default in our mind, buying property is sure make money BUT in today market NOT TRUE anymore as property market have been increasing throughout the years.

Now choosing the RIGHT property then you can make a fortune. Choosing the WRONG one you will regret.

There are so many factors:
- 99 or Freehold
- HDB or Condo
- Resale or New Launch
- Near NRT or Not Near MRT
- Numbers of Units
- 1 Bedroom to 4 Bedrooms choices
& other factors etc

Owner said took HDB loan once, but in the system owner took 2x HDB loan so we are checking with HDB for more details.HDB...
27/08/2025

Owner said took HDB loan once, but in the system owner took 2x HDB loan so we are checking with HDB for more details.

HDB Seller if you plan to buy HDB. Please do your HFE 1st before you start selling your house.

Address

Singapore

Website

Alerts

Be the first to know and let us send you an email when Property GNF posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Property GNF:

Shortcuts

Share

Category