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02/06/2026

Sell high also must buy high.. Huat what?

This is something many homeowners only realise after they start planning their next move.

Let’s say you bought your home years ago at $800k.

Today, the market is better and you can sell it for $1.2M.

On paper, it looks like you made $400k.

Sounds good right?

But here comes the next question: After selling, where are you going to stay?

If the next home you wanted used to be $1M, but today the same type of home is also around $1.4M, then suddenly the gain may not feel as shiok anymore.

Because yes, your home went up.

But the next home also went up.

That is why some people say: “Sell high also must buy high.. Huat what?”

This doesn’t mean selling is bad.

It just means the real planning is not only about your selling price.

It is about your next move.

Do you want to right-size?

Do you want to move to a more affordable home?

Do you want to cash out some proceeds?

Or are you buying back into the same hot market?

Property gain only becomes useful when your next housing plan makes sense.

So before you celebrate the selling price, always ask: After I sell, stay where?

01/06/2026

“Sell house already why my CPF still need to go back?”

This is one of the most common questions people ask after they see their sale proceeds.

Let’s say 2 homeowners both sell their homes.

Person A sees the sale price and thinks: “Wah, sold at a good price. Means I should get a big lump sum cash.”

Person B looks a bit deeper and asks: “After paying off the loan, after refunding CPF, how much cash will I really keep?”

That second question is usually the more important one.

Because when you use CPF to help buy your home, those CPF funds were taken from your own CPF account.

So when the home is sold, the amount used plus accrued interest is generally returned to your CPF.

Not to the government.

Not to the agent.

Not gone.

Back to your own CPF.

That’s why some people are surprised after selling.

The sale price may look high, but the actual cash in hand can be very different.

A simple way to think about it:

Sell price
minus loan
minus CPF refund = actual cash proceeds

And one more thing many people don’t know:

If the sale money is not enough to fully refund CPF, usually there is no need for cash top-up, if the property is sold at market value.

So the real lesson is this:

Before selling, don’t just ask “How much can I sell for?”

Also ask “How much cash will I really get after the sale?”

That question can make a very big difference to your next move.

Save this if you found it useful.

And send this to someone who still thinks CPF refund means the money is gone.

31/05/2026

Let’s say there are 2 buyers.

Buyer A is 20 years old.

Young couple.

Just started working.

Bought a home with 10-year MOP.

By the time they can sell, they are around 30.

Still relatively young.

Maybe income has grown.

Maybe family plans just started.

Maybe still have runway to upgrade, restructure, or change plan.

Now Buyer B is 35 years old.

Also bought a home with 10-year MOP.

By the time they can sell, they are around 45.

At 45, life may look very different.

Kids may be older.

Parents may need more support.

Career may be at another stage.

Loan tenure may be shorter.

Risk appetite may be lower.

Same rule.

Same 10 years.

But the effect is not the same for everyone.

That’s why before buying any home, don’t just ask:

“Can afford or not?”

Also ask:

“When can I exit if life changes?”

Because sometimes, the biggest cost is not just price.

It is time.

Save this if you are comparing HDB, EC or condo options.

And send this to someone who always says:

“Buy first lah, next time then see how.”

30/05/2026

Single and turning 35 soon?

A lot of people still think: “Once I’m 35, I can only buy resale HDB.”

Actually, not exactly.

If you’re a Singapore Citizen aged 35 and above, you may have more than 1 option.

In simple terms:

You may apply for a new 2-room Flexi flat from HDB through BTO, SBF or Open Booking

Or you may buy a resale HDB flat which gives you more size choices and usually a faster move-in timeline

That’s why this is important:

Many people plan too late because they assume their choices are very limited.

Also, if eligible, there may be grants available, such as:

EHG up to $60k

Singles Grant up to $40k

PHG up to $15k

But of course, your actual eligibility depends on your profile, income, flat type, and HDB rules at the point of application.

So before making assumptions, it’s better to understand your options properly first.

If you’re single, turning 35 soon, or have a friend asking “Eh actually how ah?” save this and send it to them.

29/05/2026

Need 25% cash to buy a condo?

I've heard this so many times.

The truth?

25% downpayment does NOT mean 25% cash.

Many buyers assume they need hundreds of thousands sitting in the bank before they can even start looking at condos.

That's not always the case.

Look through the infographic and see how the numbers actually work.

Know someone who thinks condo = impossible?
Share this with them.
Save this post for future reference.

28/05/2026

Most Singaporeans know HDB is 99 years leasehold.

But not many know things can actually happen BEFORE the 99th years too

VERS.
Lease Buyback.
En bloc.
Lease top-up.

And no, property doesn't automatically “become zero” overnight.

The reality is a lot more nuanced than people think.

That’s why understanding lease decay, land ownership, and exit strategy is so important when buying property in Singapore.

I simplified everything into this easy infographic.

Save this post for future reference.
Forward this to someone who still thinks all HDBs “confirm expire” 

26/05/2026

How to buy condo if never tio TOTO?

Honestly, most people don’t become rich overnight.

A lot of Singaporeans upgrade step by step.

They buy their first home, hold it for some years, the property grows in value, their loan slowly goes down, then the gains from that property become the downpayment for the next one.

That’s why in Singapore, property upgrading is usually not just about salary.

It’s:
âś… salary
âś… time
âś… asset growth
âś… leverage

This is also why entering the market earlier can make a huge difference.

Some people are not “earning more”

They just started the game earlier.

Take a look at this simple chart.

This is basically the Singapore property ladder explained.

25/05/2026

Some homes look nice in photos.

But after buying, you may still need to hack, redo, and spend again.

This home at Kang Ching Road is different.

Original condition.
Spacious layout.
3 bedrooms + 2 bathrooms.
Proper living and dining space.
Functional kitchen.
Bright and airy.

You are not paying extra for someone else’s renovation taste.

You get to design it your way.
Renovate according to your own lifestyle.

Location is a big plus too.

âś… Walk to Lakeside MRT
âś… Near Rulang and Shuqun Primary
âś… Near Yuan Ching Secondary
âś… Near Taman Jurong amenities
âś… Near FairPrice, food options and daily needs
âś… Short distance to Jurong Lake Gardens
âś… Easy access to Jurong East, JEM, Westgate and IMM

This is not a renovated showroom unit.

But if you are looking for space, convenience and potential…

This one is worth viewing.

đź“Ť354 Kang Ching Road
When would you like to view?

23/05/2026

One viewing may not show the full picture.

Before buying, try viewing again at a different timing.

Day vs night.
Weekday vs weekend.
Quiet vs peak hour.

Same unit, different timing, different feeling.

Address

3 Bishan Place
Singapore
579838

Telephone

+6587141688

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