Kamal Real Estate

Kamal Real Estate Buying, Selling, Renting and Investment

16/06/2026

Can the blood family claim the house if one spouse passes away?

This is where many families misunderstand property ownership.

If the property is held under **joint tenancy**, the surviving owner usually takes over the share automatically.

So if a husband and wife own the house under joint tenancy, and one party passes away, the surviving spouse becomes the owner.

In this case, other family members usually cannot step in to claim the property just because they are the “blood family”.
But if the property is held under **tenancy-in-common**, it works differently.

Each owner has a specific share, for example:

✅ 50% / 50%
✅ 70% / 30%
✅ 99% / 1%

If one owner passes away, their share may be distributed according to their will, or according to inheritance laws if there is no will.
So before assuming who can claim the house, you must first check:

✅ Is it joint tenancy?
✅ Or tenancy-in-common?
✅ Is there a will?
✅ Is it HDB or private property?
✅ Who are the legal owners?

Property ownership is not based only on who is family.
It depends on how the property was legally held.
If you are unsure, check the ownership structure properly before making any claim.

13/06/2026

What if you cannot meet the Full Retirement Sum at 55?

Can your property help?

When you turn 55, CPF will create your Retirement Account.

Your SA savings will be used first, followed by your OA savings, to set aside your retirement sum.

But if you own a property, your house may be able to support part of your retirement sum.

In simple terms, if you cannot fully meet the Full Retirement Sum in cash/CPF, your property may help you set aside part of it — subject to CPF rules.

This is why some homeowners may only need to meet the Basic Retirement Sum in CPF, while the remaining part is supported by their property.

But take note:

✅ Your property must meet CPF requirements
✅ Your CPF used for the house still matters
✅ Accrued interest still matters
✅ If you sell the house later, CPF refunds may apply
✅ Your withdrawal amount depends on your actual CPF and property position

So don’t assume you cannot retire properly just because you cannot meet the Full Retirement Sum fully in CPF.

Your property may help, but the numbers must be calculated properly.

If you are approaching 55 and unsure where you stand, contact me today and let’s calculate it together.

10/06/2026

My home loan is fully paid… so why is my CPF accrued interest still growing?

Many homeowners misunderstand this part.

When you use CPF OA to pay for your house, you are using money that was meant for your retirement savings.

If that money had stayed inside CPF, it would have continued earning interest.

So the accrued interest is the interest you would have earned if the CPF money was not used for the house.

But this is important:

The accrued interest is not paid to someone else.

It goes back to your own CPF when you sell or restructure your property.

Even if your HDB loan or bank loan is fully paid, accrued interest can still continue as long as CPF money was used for the house.

That is why before selling, upgrading, or planning for retirement, you should know:

✅ How much CPF was used
✅ How much accrued interest has built up
✅ How much needs to return to CPF
✅ How much cash proceeds you may receive

Fully paid house is good.

But understanding your CPF position is just as important.

For more enquiries, contact me today and let’s calculate properly.

08/06/2026

Sometimes your house is not hard to sell.

It may just be priced wrongly.
If the asking price is too far from recent nearby transactions, buyers may not even come for viewing.

High price sounds good.
But the right price attracts real interest.

Thinking of selling?
Contact me today to check your property value and plan the best strategy for your next move.

07/06/2026

NEW LISTING FOR SALE :::::

Blk 110 Yishun Ring Road

✔️ 3S Model
✔️ 64 sqm
✔️ High Floor
✔️ Unblocked View
✔️ Bright & Windy Throughout the Day
✔️ Functional Layout with No Wasted Space
✔️ Ideal for Singles, Couples & Small Families

📍 Excellent Connectivity
🚆 Yishun MRT – 830m
🚆 Canberra MRT – 1.15km
🚆 Khatib MRT – 1.87km

🎓 Schools Nearby
🏫 Ahmad Ibrahim Primary – 440m
🏫 Yishun Primary – 570m
🏫 Jiemin Primary – 690m
🏫 Ahmad Ibrahim Secondary – 270m
🏫 Yishun Secondary – 630m
🏫 Yishun Town Secondary – 1.01km

🛍️ Convenience at Your Doorstep
✔️ Northpoint City nearby
✔️ Abundance of amenities and eateries
✔️ Supermarkets, shops and daily essentials within easy reach
✔️ Well-connected neighbourhood with excellent transport options

💡 Why This Home?
Enjoy a high-floor unit with an unblocked view, natural ventilation, and a practical layout in one of Yishun’s most convenient locations. Whether you’re a first-time buyer, downsizer, or investor, this is a home that offers comfort, convenience, and value.
Alot of amenities and eateries
__________________________
Kamal Karim
PropNex
GENUINE listing.
For more info and viewings

06/06/2026

Just because your house is fully paid doesn’t mean you are fully ready for retirement.

Many homeowners feel comfortable staying where they are.

And of course, comfort matters.

But when it comes to retirement, it’s not only about whether you like the house. It’s also about whether the house still supports your plans at age 55 or even 65.

Before deciding to stay, downgrade, or make any move, look at:

✅ How much CPF was used for the house
✅ How much accrued interest has built up
✅ Whether your retirement sum is on track
✅ How much you may be able to withdraw later
✅ Whether staying still gives you enough retirement flexibility

A fully paid house gives you security.

But retirement planning is more than just having a roof over your head.

You still need to know how you are going to live day by day after retirement.

If you are staying in your current home and planning to retire there, make sure you understand your CPF position, accrued interest, and withdrawal options first.

Calculate before you decide.

04/06/2026

So… are you really in a good position for retirement?

You’re 49 years old.
Your 4-room HDB is fully paid.
And you still have around $100K in your CPF OA.

Before deciding whether to upgrade, stay, or downgrade, the first thing you need to check is your numbers.

✅ Is your current HDB position positive or negative?
✅ Do you need more space for your family?
✅ Can you upgrade without overstretching?
✅ Should you let your CPF continue compounding towards age 55?
✅ Will downgrading give you better retirement flexibility?

A fully paid HDB sounds safe.

But the real question is whether your property, CPF, and retirement plan are working together.

Don’t guess your next move.

Calculate first.

If you are in this situation, let’s sit down and plan properly.

Wishing everyone a peaceful and meaningful Vesak Day.May this day remind us to practise kindness, patience, and compassi...
31/05/2026

Wishing everyone a peaceful and meaningful Vesak Day.

May this day remind us to practise kindness, patience, and compassion in the way we treat others, whether at home, at work, or within our community.

From my family to yours, may your home be filled with peace, harmony, and good blessings.

Happy Vesak Day.

27/05/2026

Salam Aidiladha! 🐐🐄

May Allah accept your sacrifice and have a blessed Eid today. ✨

Selamat Hari Raya Aidiladha from Kamal Karim 🌙May this blessed day remind us of the beauty of sacrifice, sincerity, and ...
26/05/2026

Selamat Hari Raya Aidiladha from Kamal Karim 🌙

May this blessed day remind us of the beauty of sacrifice, sincerity, and gratitude. As we spend time with our loved ones, may our homes be filled with peace, barakah, and meaningful moments together.

Wishing you and your family a blessed Eid Adha. 🐐✨

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