Florence Ng 美好与我 Singapore Property

07/11/2024

Join us for an insightful session! 📊

5 Critical Indicators We Can't Ignore

To register, click on the following link: https://www.propnex.com/ces/575/90606215

📅 Nov 7, 2024 🕢 7:30 PM to 9:30 PM 🎤

Featuring Mohamed Ismail & Kelvin Fong.
Gain valuable insights into Singapore's property market.

Don't miss out! 🌟

There are 5 important factors to look into when it comes to buying a property in Singapore, whether you are an investor or an ordinary buyer purchasing for your homestay. Interest rates Economy Population Supply of Houses Government policies In this seminar, gain valuable insights and a competitive....

10/10/2024

Whats Your Next Step 🏠✨
Join us on Oct 22, 2024, 7:30 PM - 9:00 PM at Chuan Park Showflat!
Hear from Kelvin Fong, Deputy CEO, as he shares insights on the evolving property market.
Stay ahead of trends and make informed decisions!

Florence Ng

To register, click on the following link: https://www.propnex.com/ces/549/90606215

08/11/2022

《活动之一 线上线下分享，
如何预测退休时是否是可怜老人？》

【误区一 对开销毫无头绪】
中年人规划退休最常犯的错误，就是不知道自己退休后到底需要多少钱——若定下的目标太高，会因为一直无法达到目标而气馁；若所定的目标太低，当下不会觉察，但当发现时就已经太晚了。

【误区二 忽略长期护理计划】
如果家中有年长者，就会知道要让他们得到高素质长期护理所必须付出的金钱与精力。为了不要成为其他人的负担，人们有责任规划一套长期护理计划。

【误区三 投资过于保守】
不论是四五十岁或五六十岁，在投资时都应注重平衡，不要冒太大风险。四五十岁人的财务责任较大，五六十岁人的财务负担虽然较轻，但距离退休不远，不宜冒险。

【误区四 只做一次退休规划】
市场起起落落，人生一样会出现变化。在不同的人生阶段，收入、开支、需求都不一样。30岁时定下的退休规划，到了40岁未必适用，当时的你可能还没有结婚、还未为人父母。50岁时回头看，40岁所做的规划可能也不适用，这时候的你，可能要花更多金钱与时间去照顾父母。

【误区五 过度依赖公积金储蓄】
以为有了公积金储蓄就老有所依，是规划退休时的一个重大误区。
大部分人的公积金储蓄都用来供房子了，到真正退休时，公积金存款其实所剩不多。

#房地产达人五年倍增财富 #赚道 #引爆流量课程 #思维模式 #思维认知 #生活分享 #美好生活 #正能量 #上热门 #新加坡 #人生逆転 #值得深思 #爱自己 #房地产知识 #生活的点点滴滴 #规划不留遗憾 #回流

07/11/2022

创业的蓝图：不断努力；勤于思考；学会放弃。

来自马来西亚马六甲到一个陌生的城市，
新加坡 【不断努力】——
"我没有背景，所有的一切都只能靠自己争取。"

可能是我这个人的性格比较倔强吧，没想到去依靠别人，于是就努力工作去改变自己的现状。
　　
　【勤于思考】——"有些东西用眼睛是看不到的。"
我最初之所以选择银行铁饭碗，可能是现实让我学会了思考问题，勤于思考的方式又让我在后来的选择房地产中介有不错的成绩。

　　【相信自己】——
"我这个人很自信，但不盲目，所以我抓住了机会。"
　　我比较自信，这很重要。其实我的投资过程，
如果不相信自己而畏首畏脚，也许会避开失败的风险，但同时很多成功的机会也被自己"过滤"掉了，信心能给自己带来意想不到的成果。

　【学会放弃】——"懂得放弃，勇于承认自己的失败，这并不影响后面的决定。"

16/10/2022

40岁之前 做好应该做的事情，
《 平凡人为生存奔波称【生存】》

40岁之后 才能做自己想做的事，
《从平凡的生活不再为生存奔波称【生活】》

【生存】是人们的基本需求，
保证生命存活为正常状态的行为。

而【生活】即是在生命正常的前提下，
努力提高生存质量和水平的行为。

《生存是基础，生活是更高层次的生存状态》

10/10/2022

各分东西的感情 、要如何处理资产？

[WHO OWNS THE HDB PROPERTY?]

“I paid more for it, so the house is mine”, or “It was willed to me by my parents, so my spouse has no claim”. At many times, these are what we hear on how the matrimonial assets are assumed to be divided upon couples going separate ways.

All in all, the first thing you need to know about is the type of ownership that you had chosen upon your purchase of the property.

[Joint Tenancy And Tenancy-In-Common]

These are options that determine how you wish to slice and dice the ownership shares if you’re owning the home with a co-owner. You can simply opt for all your family members to have 100% ownership of the house in Joint Tenancy, or to have each member owning different percentage of shares in the property if Tenancy-In-Common is selected.

Joint tenancy also means that in the event that your spouse passes away, his or her ownership will eventually be transferred to the surviving you and your child (if any), even if the will state otherwise.

Whereas for tenancy-in-common, unlike joint tenancy, this involves a mutual agreement on how much percentage each member will have. By any chance that one of the co-owner passed on, the other’s share will still remain. The shares of the deceased co-owner will not be automatically transferred over, as it will be distributed accordingly to what the will indicates.

[What If The Property Was Willed To Me By My Parents?]

In general, an inherited property will generally not be divided and spouse will generally not be receiving a share.

However, such asset can also be transformed and be subjected to division in some situations, such as if the property is used as the matrimonial home. If the family has lived together for a substantial part of the marriage in the home, the property is considered transformed, and will be subject to division.

Thus, do put this into consideration upon deciding whether to use an inherited property as your matrimonial home.

However, the division of these assets between the couple are still contentious. The Court has power, separate from the written law, to decide on the “grey” areas when it comes to premarital or matrimonial assets.

Have questions in mind? Don’t leave it to assumptions. Inbox us or comment below to get your doubts clarified!

Credits:
https://www.withersworldwide.com/
https://www.singsaver.com.sg/
https://singaporelegaladvice.com/

10/10/2022

新加坡是否是定居的好地方？

[IS SINGAPORE A GOOD PLACE TO STAY?]

Just as we have celebrated our 57th National Day, we are again reminded of how fortunate it is, to have a place called “Home” - where it is built on resilience and strong commitment towards development.

While we enjoy peace and stability in our home country, others may not be as fortunate as us. For the record, Ukraine and Russia have been at war for more than 6 months.

The two and a half years COVID-19 pandemic has put many countries to test.

🌎 Sri Lanka is declared bankrupt in July
🌎 China’s property market plunging into crisis since July
🌎️ Global inflation hits 7.8% in April, the highest rate since 2008 with a rate of 3.84%

Lucky for us in Singapore, we held up through the tests of times.

🇸🇬 We have tightened our security control and benefited from strong government support in times of difficulties.
🇸🇬 For the lower-income and more vulnerable groups, our government has stepped up with the support package of S$1.5 billion as immediate relief in June 2021.
🇸🇬 Being a country that relies heavily on product importation, we have since made plans to reduce food import dependence with a “30 by 30” vision.
🇸🇬 Most importantly, Singapore has friendly ties with most countries. Internally, our people have stayed united as a cohesive, multi-racial society.

Strategically located in the heart of Asia, Singapore has progressed steadily both in the economic and green direction. Being a Singaporean, I am proud to say that Singapore still prevails as a country of stability and liveability. This is the best place I’d proudly call “Home”. What says you?

[Check out more from our upcoming blog story, "The Fearsome Real Estate Bubble" (https://sgpinsights.sg/index.php/2022/09/19/the-fearsome-real-estate-bubble/)]

10/10/2022

投资者为何选择新加坡？

[WHY IS IT SAFE TO INVEST IN SINGAPORE?]

Land scarcity is one of the key factors driving property prices. In a land-scarce country like Singapore, there is a huge potential for property price growth, or worse, overheating.

Yet, Singapore property remains a safe haven thanks to the stringent measures implemented by the government.

1️⃣ [PERCENTAGE OF ]
The downpayment for buying a property in Singapore is 20% of the property price, which is relatively lower than the minimum 30% downpayment requirement in some other countries.

2️⃣ [ RATIO]
The Singapore government introduced the Total Debt Servicing Ratio (TDSR) threshold for property loans in 2013 as a measure to help borrowers manage debts and control property speculation in Singapore.

The TDSR threshold is currently set at a maximum of 55% of the borrower’s monthly income.

3️⃣ [ MEASURES IMPLEMENTATION]
In response to rising property prices in 2021, the Singapore government introduced a set of measures to cool the buoyant residential property market, including:

[Higher Additional Buyer Stamp Duty (ABSD)]
🇸🇬 For Singaporeans and Permanent Residents (PRs) buying second and subsequent property
🇸🇬 For all foreigners and foreign entities

[Tighter TDSR threshold]
🇸🇬 Reduced from 60% to 55%

[Reduced Loan-To-Value (LTV) limit]
🇸🇬 Reduced from 90% to 85% for HDB housing loans

In addition to the proactive government intervention, Singapore remains attractive to foreign investors as one of the safest countries that offers political, economic and currency stability.

[Find out more from our blog story, "The Fearsome Real Estate Bubble" (https://sgpinsights.sg/.../the-fearsome-real-estate-bubble/)]

10/10/2022

新加坡最新的降温措施有哪些？

[LATEST SINGAPORE PROPERTY MEASURES!]

Private homeowners can no longer buy HDB resale flats within the next 15 months after selling their property. It is to moderate demand and ensure that resale flats remain affordable for buyers.

Tightening of maximum housing loan limits to help buyers borrow money prudently and avoid future difficulties in repaying home loans. Thus, the loan-to-value limit for HDB loans will also be lowered from 85% to 80%. However, HDB's interest rate still remains unchanged at 2.6% but they will use 3% to compute the loan.

There will also be a stress test from 3.5% to 4% to compute TDSR and MSR for residential & 4.5% to 5% for non-residential, though private Bank max loan is still at 75%.

Please refer to the below links for more specific details;

https://www.todayonline.com/singapore/property-cooling-measures-govt-announces-tighter-loan-rules-private-home-owners-cant-buy-hdb-resale-flats-15-months-2006996

https://www.mnd.gov.sg/newsroom/press-releases/view/joint-mas-mnd-hdb-press-release-measures-to-promote-sustainable-conditions-in-the-property-market-by-ensuring-prudent-borrowing-and-moderating-demand

10/10/2022

货物澎涨 和房地产的趋势如何成对比？

[INFLATION AND PROPERTY PRICES:
IS IT WORTH BUYING NOW?]

With recent world events drastically speeding inflation in Singapore and the region, is it worth buying a house now?
Probably, yes. Here are some reasons why:

1️⃣ [ ]
Property prices tend to increase with inflation as interest rates increase along with other commodities such as food products and petroleum. Best of all, price reversals are unlikely in Singapore as land scarcity keeps prices going up and steady.

2️⃣ [FINANCIAL ]
Like any investment, there are inherent risks (i.e. property bubble), but non-speculative policies help keep prices in Singapore resilient compared to many other markets, including government cooling measures to prevent buyer overleveraging/overvaluing that can lead to price collapse.

3️⃣ [ INFLATION]
As inflation slowly devalues national currencies, property investments are one of the best counters. Just as prices of goods and services increase, so do property prices—and owning property ensures one doesn’t get left behind in the price game.

4️⃣ [ ]
Rentals provide a ready income to cover living expenses. As borders open and the economy recovers, occupancy rates are also returning to pre-COVID-19 norms. Price rentals also increase along with inflation.

Here are tips to get better rental incomes:
[HDB LEASING GUIDE: HOW TO LEASE OUT EXTRA ROOMS AT BETTER RATES?]
https://www.facebook.com/sgpropertyprogression/posts/pfbid0AtGZhQ5Vsparj3KqCYQ1Jg6DmCkuXxX1xd8NgPctN3QHYTBhN2rNtA5s9HGoFiqdl

5️⃣ [ ]
Property gives investors more control than most other types of investment. In addition to the choice of tenants, the property can also be sold off with no questions asked.

Do you think it’s a good time to buy property now amidst the inflation? Let us know in the comments what you think! 👇

18/09/2022

Who Am I ?
我是谁？