HomeTalk with Fairoza Nikki

HomeTalk with Fairoza Nikki Start your home journey with me. Like and Follow my page to receive updates on listings, HOT questions and useful tips on EVERYTHING HDB!

Think property, think Nikki. Call me at 84819441 to get started today!

20/11/2019

🗣FOR SALE: 4 ROOM FLAT IN SENJA PARC VIEW!

🔑Being surrounded by Unblocked Greenery Views you'll get to enjoy the breeze in the unit at 636B Senja Road🔑

ONE of the YOUNGEST clusters in Bukit Panjang, near Bukit Panjang MRT, Bright and Windy unit now available for Sale!
☑️Full privacy with unblocked views from kitchen, all bedrooms and living hall!
☑️ Efficient & well-proportioned layout. Living & dining are kept separated so you can utilize both spaces smartly. Bedrooms are all spacious
☑️ 100% move-in condition. Renovated with minimal built-ins, Well maintained by current owners!
☑️ Nearby Amenities includes:
📌 5mins drive Bukit Panjang Mrt
📌 5mins drive to KJE & BKE
📌 Childcare Centre
📌 400m to Upcoming Senja Hawker centre & Market
📌 500m to Senja Centre (NTUC Fairprice, ATMs etc)
☑️Plenty of primary and secondary schools within 1 km!

📞Call Nikki B. at 84819441 today for a viewing!

08/05/2019

🗣FOR SALE: 4 ROOM FLAT IN PUNGGOL, ONLY 5 YEARS OLD!

ONE of the YOUNGEST clusters in PUNGGOL, near Punggol MRT, Bright and Windy unit now available for Sale!
☑️Full privacy with huge distance away from a neighbouring block
☑️ One of the BIGGEST sized units for such a young unit!
☑️ Efficient & well-proportioned layout. Living & dining are kept separated so you can utilize both spaces smartly. Bedrooms are all Spacious
☑️ HIGH floor unit
☑️ 100% move-in condition. Renovated with minimal built-ins, Well maintained by current owners!
☑️ Nearby Amenities includes:
📌 Waterway Point Shopping Centre
📌 Punggol Safra
📌 Punggol Townhub (2021)
📌 Punggol Regional Sports Centre (2021)
📌 Punggol Waterway Park
📌 A large Child care centre

☑️Plenty of primary and secondary schools within 1 km!

📞Call Nikki B. at 84819441 today for a viewing!

18/04/2019

🗣FOR SALE: 5 ROOM FLAT IN JURONG WEST!

🔑Being near the upcoming Jurong Lake Gardens, you'll get to enjoy the breeze in the unit at 339B Kang Ching Road🔑

ONE of the YOUNGEST clusters in Jurong West, near LAKESIDE MRT, Bright and Windy unit now available for Sale!
☑️Full privacy with huge distance away from a neighbouring block
☑️ One of the BIGGEST sized units for such a young unit!
☑️ Efficient & well-proportioned layout. Living & dining are kept separated so you can utilize both spaces smartly. Bedrooms are all spacious
☑️ 100% move-in condition. Renovated with minimal built-ins, Well maintained by current owners!
☑️ Nearby Amenities includes:
📌 Taman Jurong Shopping Centre
📌 Taman Jurong Food Centre
📌 Childcare Centre
📌 700m to Lakeside MRT
📌 3 mins walk to upcoming Jurong Lake Gardens
☑️Plenty of primary and secondary schools within 1 km!

📞Call Nikki B. at 84819441 today for a viewing!

❗No Problems Can’t Be Solved❗Couple have stayed in his BTO unit for the past 15 years. Due to a divorce, he and his ex-w...
15/08/2018

❗No Problems Can’t Be Solved❗

Couple have stayed in his BTO unit for the past 15 years. Due to a divorce, he and his ex-wife had to sell off their 5-room flat. The loans granted was $340k for 25 years tenure hence the monthly instalment amounted to $1.6k 😵💢

Once the unit was sold, they profited about more than $120k cash from the sales of the current unit. The next unit purchased was a 5-room high floor renovated HDB unit at Jurong West for $475k.

The current house mortgage was serviced with the HDB loan. The next house was purchased with a HDB loan hence the right sizing applies. This means that 50% of his share of the sales proceeds (60k in this case) was automatically used to pay for the next purchase, reducing the loan amount. Thus he was able to reduce the loan tenure from 25 years to 15 years WITHOUT forking out any cash for the monthly instalment. ✔️

Call me now at 84819441 for a free consultation today. Let me help you plan a financial budget to suit your financial needs and find out how to have cashless monthly instalment plans.

It is true that money can’t buy happiness – but – money can buy you a home. 👍 If you’re 35 years old and above AND SINGL...
14/08/2018

It is true that money can’t buy happiness – but – money can buy you a home. 👍

If you’re 35 years old and above AND SINGLE like Gillian* (Calling all the single boys! 💃), here’s what you can do with your CPF funds….

1. Use the Single Scheme Grant
2. Look for a place near your parents
3. Get a reasonable priced unit (Think renovation cost, floor level, area – refer to our previous post on tips when buying a resale flat!)

Gillian has $140k in her current CPF Ordinary Account savings. Converting this fund into a home is the next best move. She bought a renovated 3-room flat which was renovated near her parents who are living in Clementi.

The total amount of loan she was eligible for amounted to $300k. Good news for her was that she doesn’t need to pay out any cash monthly for her $425k home.

Don’t worry, not everyone has to be like Gillian to be free of a financial burden for your home. Contact me now to find out how. 😏

*Name has been changed.

This is truly a common case of HDB ownership issues. Are you one of the owners to your parent’s flat, for some reasons?...
11/08/2018

This is truly a common case of HDB ownership issues.

Are you one of the owners to your parent’s flat, for some reasons? And you wish to move out, get a BTO with your fiancé BUT your parents have a problem with that? 🤐

Parents of Gina* couldn’t afford a loan to buy over her share of their current home. Therefore, the next move was to downgrade from a 3-room flat to a 2-room flexi unit where Gina’s parents could offset the balance payment of their old unit. After which, Gina’s name can now be listed as an owner of her home with her fiancé.

Speak to me for a detailed planning and financial calculation today.

*Name has been changed.

35 and Single? Give Your Home To Someone In Need. (Read more to find out.)Buyer’s Profile: Single and 35 years old Buyer...
11/08/2018

35 and Single? Give Your Home To Someone In Need. (Read more to find out.)

Buyer’s Profile: Single and 35 years old
Buyer’s Asset: CPF Ordinary Account savings – $80k
Issue: She has to rush in finding a home as her sister was getting a divorce and needed a place to stay.
Special requirement: Wants to find a place near parents’ home where other siblings reside too.

So we found her a unit, which costs $330k. Using her CPF savings, she had enough to pay the monthly instalment. The remaining payment will be covered using a loan.

Thanks to this arrangement, she doesn’t need to fork out cash every month for her newly minted home. Plus, she also get to save her sister from the shackles of her marriage.

Call me now for a quick chat! I’d love to meet you for a free consultation to help you with a detailed financial budget for a new home.

Jean* has been on HDB rental for the past 14 years. She was a working lady and applied for BTO a couple of times but was...
08/08/2018

Jean* has been on HDB rental for the past 14 years. She was a working lady and applied for BTO a couple of times but was never successful. She eventually lost her job and couldn’t get a loan to buy a resale flat or any property for that matter.

With detailed financial calculations and proper planning, she had enough assets to purchase a 4-room flat. However due to the outstanding loan with the current HDB rental unit, the first application for the resale flat was rejected. After numerous appeals to HDB and other government bodies, we’ve managed to get the approval to proceed to purchase the resale flat and pay the outstanding monies for the rental flat in instalment.

💸💸The rental flat was $1K per month and the husband wasn’t able to pay off all the loan by himself which is why the outstanding amount kept increasing.

Despite not being able to work due to her 3 young children, her family now stays in a 4-room flat – free from any mortgage loan. Most importantly, they have a home to call their own, instead of squeezing in a 2-room flat.

Arrange for a free consultation with me to look for a home of your own!

*Name has been changed.

Pearl* who is unemployed, and her husband have been staying at their 42-year-old 3-room HDB flat for 10 years. However, ...
07/08/2018

Pearl* who is unemployed, and her husband have been staying at their 42-year-old 3-room HDB flat for 10 years. However, recently her husband got a stroke and had both legs amputated 😔.

That left Pearl and their 3 teenage kids stranded. They wanted to sell the house, as it was inconvenient for her husband to move around in this unit due to his disability. Therefore, I have helped to appeal to get a wheelchair-friendly unit so that he'd feel more comfortable in his own home. With both of them being unemployed, they are afraid of not being able to continue paying for the mortgage loan and any late payment arrears.

❗The challenge of selling this unit was REAL❗

Being a 42-year-old flat means that it limits the pool of buyers since a buyer cannot use 100% of his CPF savings to purchase this unit. However with extensive marketing, the unit was sold at a reasonable price despite its age.

📲 Call me now if you know of anyone stuck in the same predicament or wants to sell/buy a property.

*Name has been changed.

Have you planned your retirement funds? 👴🏻👵🏻A 50-year-old couple called to ask if there was any option to lessen their b...
06/08/2018

Have you planned your retirement funds? 👴🏻👵🏻

A 50-year-old couple called to ask if there was any option to lessen their burden of paying off mortgage loans as they’re tired of having to clear the loans after years and years of doing so. Hence with detailed financial calculation, we’ve managed to dispose their current 5-room flat and purchase a 4-room flat. On top of that, they still had cash on hand to perform their Haj pilgrimage and deposited the remaining cash into their bank as savings.

🙋 I’d love you to have a win-win situation too. There is no room for negotiation when it comes to happiness, especially in planning for the long run.

Call me at 84819441 now for a free consultation.

Starting out with a small home when you are newly married is not uncommon. If you and your spouse have the means, and yo...
04/08/2018

Starting out with a small home when you are newly married is not uncommon. If you and your spouse have the means, and you are able to get a bigger flat with the vision of creating a family home in future, kudos! But not everyone has the same fate.

A couple got a 2-room flat when they were younger and had just gotten married then. 5 years later, they decided to start a family. They had a baby and a toddler and decided to upgrade to a bigger flat to get the additional bedrooms for their children. They called me up to see the available options, and after detailed calculations and proper planning, they were able to purchase a 4-room flat without having to fork out any cash or apply for loan. This is the best plan for them as they could use the cash they have to save up for other uses such as their kids education, family vacation or rainy days. The couple is financially stress-free for their new home with each of the kids having their own space in their own bedrooms as they grow up.

If you are stuck with your current home, and immensely desire to upgrade without a financial burden, call me now and I will be glad to be of your service.

Alex* recently divorced his wife, Susan*, and they wanted to sell the house. Upon selling the house, both of them wanted...
09/07/2018

Alex* recently divorced his wife, Susan*, and they wanted to sell the house. Upon selling the house, both of them wanted to get a home of their own. However they realised that they did not have enough monies to buy a house individually due to disapproval of their loans. This was because Susan was unemployed and Alex was previously financially embarrassed due to bad credit card debts.

As Susan was unemployed, she had to get her son and daughter who are both in their 20s, to be co-owners to assist with getting a mortgage loan. On the other hand, even though Alex had a job, he had no means in financing his own property even after selling his old HDB flat.

Alex had to resort to renting a room in the open market while waiting to ballot for a 2-room Flexi direct from HDB. The process works similar like getting a BTO flat, therefore it was a 50-50 chance that he may not get it.

What could have been done better?

Should Alex have asked for the court to grant more shares in respect of his own CPF usage? It could have been a different situation for him if he didn't gave up his shares to Susan. He would have been able to draw up a detailed financial plan with his CPF savings, and Susan will still be able to buy a home with the help of their children.

Talk to me to create a financial plan that will save you from unnecessary problems before it's too late.



*Names have been changed.

Address

480 Lorong 6 Toa Payoh #10-01 HDB HUB East Wing
Singapore
310480

Opening Hours

Monday 09:00 - 22:00
Tuesday 09:00 - 22:00
Wednesday 09:00 - 22:00
Thursday 09:00 - 22:00
Friday 09:00 - 22:00
Saturday 09:00 - 22:00
Sunday 09:00 - 22:00

Telephone

+6584819441

Website

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