Randy Lai Property Services

17/04/2023

Do You Know What Happens When You Sign Your HDB Lease Agreement?

Yes /No

You will need to pay the downpayment, stamp duty and legal fees.

For those cash-strapped couples, don't let any obstacles stop you from achieving your own home. It is always better to be prepared than to rush to get things done.

Contact me on how to get ready to buy your first home.

03/04/2023

Why do Singaporeans prefer landed properties over condominiums?

The space, the ability to design & build and the ownership of land

Owning a piece of land in a land-starved country like Singapore is a dream come true.

You get a clean blank slate to build your dream home. So what will it be? A country-style home, a Bali-inspired place or a minimalist Muji-like house?

Reach out to me today to find what I have on hand.

08/02/2023

Are you eligible to buy an Executive Condominium?
- 21 years old
- Combined Gross Income Not More Than $16k
- Min 1 Singapore Citizen & 1 SPR
- Must not own private property

Executive Condos are a hybrid of public and private housing.

You pay affordable prices and enjoy condo facilities like a gym, swimming pool, and 24/7 security. No wonder many Singaporeans dream of being able to afford an EC.

If you are one of the many, come and talk to me about how to realise your dream!

01/02/2023

Do You Know What is LTV?

For example, if you borrow $750k to purchase a property valued at 1 million, the LTV is 75%.

We love our acronyms: CTE, AYE, COE, HDB.
LTV is another acronym you need to know if you are taking a loan for your dream home.
The loan amount as a percentage of the property's value: the higher your downpayment, the lower your LTV ratio.

For new property, the loan-to-value ratio is calculated from the price you are paying for that property.

If you agree at a higher cost than the valuation price for resale property, the difference between these two amounts is called Cash Over Value (COV). Another acronym :)

Unfortunately, COV have to be paid in cash $$$
Bad news for those who don't have that much cash on hand, but I can help you in this situation. Call me up, and let's discuss it over coffee.

30/01/2023

How to Use CPF to Buy Your Dream Home?

If you are taking a HDB Loan, you may retain up to $20,000 in your CPF OA. Remaining CPF savings in your OA must be used for the flat purchase (up to the applicable limits).

Still Unsure?

Your dream home need not be a nightmare. DM me to find out more!

24/01/2023

Enough Credits to Finance a Flat purchase?

HDB Instalments can stretch to 30 years

Pte Property can stretch to 35 years

Many young couples dream of purchasing a home, but one reality check comes to mind: do you have enough credit to finance a flat purchase?

For HDB Housing Loan, apply through the HDB website to know your eligibility and the loan amount. Otherwise, approach financial institutions for a home loan.

HDB Loan is pegged at 0.1% above the prevailing CPF Ordinary Account (OA) interest rate.

For HDB Loan: No minimum cash payment if you have sufficient savings in your CPF OA and housing loan for the remaining balance.

Just give me a call and I'm happy to walk you through the difference between taking a loan from HDB and FIs.

26/05/2020

https://www.aellanchoo.com/randyandaellan/

Let us share with you better! Don't hesitate to contact us before you decide into getting your own or investment property.

Randy and Aellan pride themselves on being property strategists. We believe that buying a property is not a one-off purchase, it is a long-term strategy that should help you grow your wealth in the long run and help you retire comfortably. They can definitely assist you!

29/08/2019

Which is more important when comes to buying a property? Transformation or Right Entry Price?

The new announcement during the National Day Rally, is there any impact to the real estate market? Many tell me, well all these transformation will take years to come, will there be any effect to us now? Should we delay our purchase, especially today with the trade war between China and US, many will be thinking in this manner.

Nothing wrong with that thoughts in our mind, but put some thoughts to it, does it also give us an opportunity to look deeper on the pricing too.

Therefore tonight seminar he will be sharing the 3 Key Important Factors that cause the real estate prices to increase.

Do not miss this chance to learn, register with me now for a seat. See you guys!

Randy Lai
97615352

04/09/2018

❤❤❤ *JadeScape* ❤❤❤
Wow Wow Wow Wow Wow

Unbelievable😱😱😱😱
Jasecape Price Guide from $15xxpsf
For Investor Units!!!
😍😍😍

*Just Released from Business Times:*

Price Guide from :
💥One-bedroom units (527 sq ft) will start from S$838,000 ($1590psf)

💥💥Two-bedroom units (646 to 775 sq ft) start from S$988,000 ($1529psf)

💥💥💥Three-bedroom units (904 to 1,152 sq ft) start from S$1.38 million. ($1527psf)

🔥🔥🔥Prices for the four and five-bedroom units, as well as the penthouses have yet to be determined.

Call me now to register your VVIP entry!!

Randy Lai
📱97615352

15/07/2018

🍀The Tapestry🍀

Wow! Brand new release stack starting from just $599k!

Best Buy in Singapore and lowest entry price for a regional centre, Only in Tampines. 👍🏻

With 3 bedders from just $1,147psf and newly released
1 bedder just below $600k, where else but only @ The Tapestry. ✅

Visit us now @ Tampines Grande showflat.
Call me to own yours today!🍀

Randy Lai
97615352
http://www.tapestrycondo-tampines.com/r057074i/

🍀
🥇
❤

02/04/2018

SINGAPORE: Prices of resale flats for the 1st quarter of 2018 declined by 0.8 per cent, according to flash estimates released by the Housing and Development Board (HDB) on Monday (Apr 2). The resale price index - which provides information on the general price movements in the resale public housing....