Investment Rules and Opportunities in Singapore Properties

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Amber 45 Amber Road Brand New Freehold Condo Near to Marine Parade MRT

$1,923,000

Amber 45 TOP 3 REASON TO INVEST

★ New Launch Property have Higher Chance of Capital Gain Potential! (Resale require bank valuation to match the price increase, New Launch will always match the developer Price!)
★ Freehold (Freehold are Forever! The value of the property remains even after years many years! Higher Value When enbloc in the Future!)
★ Growth Factor (Near to Future MRT TEL (Thomson East Coast Line))

What we love about Amber 45

★ MOST AFFORDABLE Luxury FREEHOLD in Prestigious Posh Amber Neighborhood!
★ EXPERIENCE Lifestyle Living in a Superb Location!
★ Located few mins to New Marine Parade and T.Katong (TE) MRT provides Seamless Conveniences to almost everywhere – Where to FIND NOW !?
★ Exclusive Lifestyle D15 Living!
★ Lush Landscaping!
★ High-end Opulent interior fittings and appliances!
★ Award Masterpiece Winning Developer with Excellent Track Record!
★ Designed with modern sophistication stylish 2 to 4 Bedrooms Luxurious Units!
★ Mins Stroll to beachside and East Coast Park!
★ Easily Accessible to the rest of the city!
★ Vibrant mix of nearby amenities, shops, shopping malls and famous eateries nearby along Katong, Joo Chiat and East Coast Area!
★ Close to TOP elite schools Tao Nan, Duman High, Kong Hwa Pri, Broadrick Sec, Chung Cheng High, Tanjong Katong Girls’!
★ Nearby Kallang Leisure Park, Old Airport Rd Hawker, Marina Bay Golf Course, SG Swimming Club, East Coast Seafood!
★ Be well-placed to enjoy the BEST you truly live and desire!
★ Evergreen Steady Capital Gain and Rental!
★ Own a slice of FREEHOLD units before price gets higher for next bid of Freehold land!
★ LOOK no Further ACT NOW to call me for a VIEWING APPOINTMENT Now!!

UOL
45 Amber Road, S(439886)
D15
Freehold
69,858 sf
21 Storeys
139 Units
TOP 2021

★ 2Br Premium: 732/ 872 sf from $1,923,000
★ 3Br + Guest: 1,130 / 1,184 / 1,324 sf from $2,315,000
★ 4Br: 1,346 / 1,518 sf from $2,745,000
★ 4Br Premium (Pte Lift): 1,593 / 1,798 sf from $3,681,000

The Line D15 TANJONG RHU BRAND NEW FREEHOLD PROPERTY NEXT TO TANJONG KATONG MRT SEA VIEW 1BR 2BR 3BR 4BR

$1,646,000

The Line 4 TOP REASON TO INVEST

★ New Launch Property have Higher Chance of Capital Gain Potential! (Resale require bank valuation to match the price increase, New Launch will always match the developer Price!)
★ Freehold (Freehold are Forever! The value of the property remains even after years many years! Higher Value When enbloc in the Future!)
★ Growth Factor (Next to Future MRT TEL (Thomson East Coast Line))
★ Nearby Property Launching at higher price! (Capital Gain Potential nearby new launches are higher PSF!)

What we love about The Line

★ Less than 1 min walk to upcoming Katong Park MRT (Thomson East-Coast Line)
★ Just 4 MRT stops to Marina Bay Financial Centre
★ Very Popular District 15 / East Coast / City Fringe Location!
★ Rare Brand New Freehold
★ T.O.P. already! Ready to move in!
★ Excellent Connectivity – 6-10 minutes’ drive to the Central Business District / MBS
★ All units south facing – Sea Views & City Views
★ Walk to East Coast Park Enjoy the beach, Marine Cove, Sun, Sand and the Sea
★ Food Haven surrounded by famous eateries at East Coast Road & Katong Area
★ Surrounded by reputable schools, including Etonhouse Pre-School, Odyssey The Global Pre School, Dunman High School, Chatsworth International School etc
★ Normal / 2 years Deferred Payment Schemes (DPS) / Enhance Deferred payment Schemes (EDPS) available!
★ New Launches Nearby are going to line at much higher price! Grab Now before its Gone!

Project Details
Address: 6 Tanjong Rhu Road, Singapore
District: 15
Tenure: Freehold
Total units: 130 units
Buildings: 2 Blocks of 20 Storeys
Unit Types: 1 to 4 bedrooms
Site Area: approx 54,500 sqft

★ 1 bedroom 829sqft $1,714,000
★ 2 bedroom 581sqft to 1087sqft $1,646,000
★ 3 bedroom 1055sqft to 1765sqft $2,234,000
★ 3 bedroom Penthouse 2874sqft to 2960sqft $7,037,000
★ 4 bedroom Penthouse 3423sqft $8,578,000

Carpmael 38 Brand New Freehold Condo Near Paya Lebar Business Hub Low Psf

$2,072,199

Carpmael 38 TOP 4 REASON TO INVEST

★ New Launch Property have Higher Chance of Capital Gain Potential! (Resale require bank valuation to match the price increase, New Launch will always match the developer Price!)
★ Freehold (Freehold are Forever! The value of the property remains even after years many years! Higher Value When enbloc in the Future!)
★ Nearby Property Launching at higher price! (Capital Gain Potential nearby new launches are higher PSF!) other new freehold condo $2xxxPsf Carpmael 38 $17xxPsf only
★ Growth Factor (Near to Paya Lebar Business Hub = Near More New Commercial Buildings = More Job and Tenants = Higher Demand = Higher Value!)

What we love about Carpmael 38

★ 1 km to Haig Girls Pri and Tanjong Katong Primaty School
★ mins walk Paya Lebar MRT
★ Mins drive to CBD
★ Mins to East Coast
★ Potential upside with new 2019 Master Plan
★ Mins to Nature
★ MRT enhance connectivity and accessibility to CBD and City
★ Easy accessibility via Expressway

LWH
38 Carpmael Road, S(429781)
D15
Freehold
Site 12,500 sf
16 Units
5-Storey
Children’s Play Equipment, Garden Lounge, Landscape Pavilion, Children Pool, Swimming Pool, Wet Deck, Aqua Gym, Water Jet, Roof Top Lounge, Dining Pavilion
TOP 2020

★ 3 bedroom 1173sqft from $2,072,199
★ 3 bedroom penthouse 1270sqft $2,229,055

Olloi D15 New Launch Property Low PSF Low Low Quantum

$1,584,000

Olloi TOP 4 REASON TO INVEST

★ New Launch Property have Higher Chance of Capital Gain Potential! (Resale require bank valuation to match the price increase, New Launch will always match the developer Price!)
★ Freehold (Freehold are Forever! The value of the property remains even after years many years! Higher Value When enbloc in the Future!)
★ Nearby Property Launching at higher price! (Capital Gain Potential nearby new launches are higher PSF!) other new freehold condo $2xxxPsf Olloi from $16xxPsf only
★ Growth Factor (Near to Paya Lebar Business Hub = Near More New Commercial Buildings = More Job and Tenants = Higher Demand = Higher Value!)

What we love about Olloi

★  BRAND NEW FREEHOLD Low Density Residential Development!
★  Superb Location in PRIME District 15!
★  Located Close to Paya Lebar MRT Interchange Station provides Seamless Conveniences to everywhere – Where to FIND!?
★  Exclusive Living Environment!
★  Limited supply of FREEHOLD!
★  LONG TERM EVERGREEN Steady Capital Gain and Rental!
★  Close to elite Schools like Tanjong Katong Pri, Kong Hwa, Eunos Pri, Geylang Methodist, CHIJ Katong, Maha Bodhi and Tao Nan!
★  Vibrant mix of amenities, shops, malls, famous eateries nearby Katong, Joo Chiat, Geylang Serai and East Coast!
★  Nearby I12Katong Shopping Mall, Parkway Parade, 24hr Mcdonald’s, Supermarkets and retail outlets!
★  Short Drive to ECP, PIE, CTE, City and Airport!
★  Good functional size with Luxurious Ceiling height 3.2m!
★  Generous full length balcony for outdoors and indoors dining experiences!
★  Tastefully Quality Finishing Premium home with branded appliances!
★  Exquisite 3Br / 3DK to 4DK PH Units for Max Returns Stay Rental and Investments!
★  Enjoy at resort pool and Jacuzzi with a drink within a gentle Tropical Setting!
★  ACT NOW to call me for a Viewing Appointment Now!!

• K16
• 50 Lorong 101 Changi Rd, S(426657)
• D15
• Freehold
• Site 26,810 sf
• 5 Storeys
• 2 Lifts
• 34 Units
• Facilities + Pool + Garden
• TOP 2022

Attractive Early-Bird Price From $1673 PSF‼

★ 3BR+Flexi+U (947sf) from $1,584,000
★ 3BR DK+Flexi+U (1001sf) from $1,722,600
★ 3BR Duplex-PH from $1,901,790
★ 4BR Duplex DK-PH from $2,304,720

Seaside Residences D15 Amazing Sea View Near East Coast Park and Siglap MRT

$956,420

Seaside Residences TOP 4 REASON TO INVEST

★ New Launch Property have Higher Chance of Capital Gain Potential! (Resale require bank valuation to match the price increase, New Launch will always match the developer Price!)
★ Nearby Property Launching at higher price! (Capital Gain Potential nearby new launches are higher PSF!) other New Condo in D15 are selling $2xxxPsf Seaside Residences from $18xxPsf only
★ Growth Factor (Near to Future MRT TEL (Thomson East Coast Line))

What we love about Seaside Residences

★ Living in one of SG finest PRESTIGIOUS SEAFRONT residential enclave District 15!
★  3 Mins Stroll Fully sheltered to NEW Siglap MRT!
★  ALL Units either Facing Beautiful Scenic Landed or SEA VIEWS!
★  Close to top elite schools Victoria JC, Tao Nan School, Ngee Ann Pri, CHIJ and Tanjong Katong Sec!
★  4 mins walk to beachside and East Coast Seafood Centre!
★  Near Parkway Parade, I12 Katong, Bedok Mall, Siglap centre and many famous eateries!
★  An ideal home organiser – Livclo! (short for Living Closet)
★  Well designed smart storage space that allows to keep things clean, tidy and all within in one reach!
★  Beautiful 1 – 5Br Luxurious Penthouses!
★  Full range of Resort-Like facilities catering to all age group and family profile!
★  Beautiful, spacious and efficient well designed layouts!
★  Tastefully Quality Finishing Premium home with all branded appliances!
★  Right Next to a Seaside Frontage – Where you can truly live as you desire!
★  Your Wait is Over – SELLING every week!!

• Seaside Residences
• Frasers Centrepoint
• 10 – 18 Siglap Link, S(448869)
• D15
• 99 yrs
• Site 207,848.5 sf
• 4 Blocks of 27 Storeys
• 843 Units + 2 Shops
• Full Condo Facilities + Sky Terrace
• TOP 2021

★ 1BR: 506sf from $956,420
★ 1BR + Study: 560 / 592sf from $1,022,000
★ 2BR: 678 – 915sf from $1,308,530
★ 3BR: 1,023sf from $1,916,720
★ 3BR + Study: 1,087 / 1,302sf from $2,032,150
★ 3BR (Pte Lift): 1,206 – 1,475sf from $2,035,060
★ 4BR: 1,485 sf last unit $2,820,760
★ 4BR (Pte Lift): 1,679 – 1,938sf $3,550,200
★ 5BR PH: 3,294sf last unit $6,673,600

Find out how you can make up to few hundred thousand difference without selling or renting your property!

Find out how to use your property can help you buy a other property without selling!
Find out which property you should buy!
Find out which property have capital gain potential!
Find property with Rental guarantee of 55% over 10 years!
How to save up to 300psf by acting fast!
Find out the secret where people stay better houses and make additional money at the same time!
How to cash out your assets!
How to buy property with Little or No money now?
How to buy additional residential property without paying ABSD!
How to own property when you cannot take loan?
How to own multiple Property With little or No Money?
How to let your property fund your retirement?
Whatsapp +65 9379 9993 Now to find out more!

ABSD (Additional Buyer Stamp Duty) in Singapore

All Investors must know the ABSD chart before buying any residential property in Singapore.

REFUND OF ABSD

Refund of ABSD is allowed when a married couple with a SC spouse co-purchase a second property and sell their first property within 6 months of the date of the purchase/TOP/CSC, whichever is applicable. ABSD is paid, and then refunded.

SCENARIOS WHERE REFUND OF ABSD IS ALLOWED (Purchase Of A Completed Resale Property)

Mr Tan & Mrs Tan own a HDB flat/ completed private property Mr Tan & Mrs Tan purchase a 2nd property (completed property) together and they pay the ABSD Within 6 months from the date of them exercising the Option to Purchase of the 2nd property, they sell the existing property. They are allowed to claim for a refund of the ABSD they paid on the 2nd property.

SCENARIOS WHERE REFUND OF ABSD IS ALLOWED (Purchase Of A Property Under Construction)

Mr Tan & Mrs Tan own a HDB flat/ completed private property Mr Tan & Mrs Tan purchase a 2nd property (Under Construction) together and they pay the ABSD Within 6 months (latest) from the date of TOP of the 2nd property, they sell the first property. They are allowed to claim for a refund of the ABSD they paid on the 2nd property.

REMISSION OF ABSD

A remission of ABSD is allowed in the situation where it is a first property purchase by a married couple with one SC spouse.

Where ABSD Is Not Required To Be Paid

SCENARIOS WHERE REMISSION OF ABSD IS ALLOWED

SC + SPR married couple purchasing a first property together

SC + FR married couple purchasing a first property together

No ABSD is payable in the above scenarios

FRACTIONAL TRANSACTIONS “Decoupling”

A fractional transaction is a transfer of shares in a property

Example 1
A (50%)+ B (50%) becomes A (100%)
In this example, B has transferred his 50% shares to A

Example 2
A (50%)+ B (50%) becomes A (50%) + C (50%)
In this example, B has transferred his 50% shares to C

Example 3
A (100%) becomes A (99%) + B (1%)
In this example, A has transferred his 1% shares to B

Why “Decouple”?

Many home owners enter into “decoupling” transactions to enable one party to exit from the existing property, and thereafter purchase the next property with no ABSD, or lower ABSD.

This is possible as IRAS assesses BSD & ABSD payable based on the number of properties owned in the following manner

The Count of Residential Properties Owned by the Buyer
1. Count from Date of Contract or Agreement
If a Contract or an Agreement to purchase the property has been signed, that property is to be included in the count of properties owned by a buyer (A) from the date of acceptance of the agreement, even if it has not been legally transferred to him as he already has an equitable interest in the property.

This also includes the purchase of an uncompleted unit from the developer if the Sale & Purchase Agreement has been signed.

Similarly, the property is to be excluded from the count of properties owned by a buyer (A) if there is already a Contract or an Agreement to sell his property and the new buyer (B) has exercised his option to buy the property.

2. Full Count for Partial Ownership and Joint Ownership

A (50%)+ B (50%) becomes A (100%)
In this example, B has transferred his 50% shares to A
Therefore B is able to purchase a property without ABSD

A (50%)+ B (50%) becomes A (50%) + B(50%)
In this example, B has transferred his 50% shares to C
Therefore B is able to purchase a property without ABSD

A (100%) becomes A (99%) + B (1%)
In this example, A has transferred his 1% shares to B
Such transactions are usually done to bring B in to get a loan / use CPF

10 THINGS PROPERTY BUYERS NEED TO KNOW WHEN BUYING OR RENTING COMMERCIAL PROPERTY

Here are 10 considerations whether to Buy or to rent a commercial property. With Singapore becoming more and more international, many overseas developers and investors are coming to our shores. It would not be surprising if more foreign buyers start to buy up commercial and industrial properties considering that there is no Additional buyer stamp duty (ABSD) for such properties. This could in the future raise the cost of doing business in Singapore and cause rents to rise. The commercial property downturn is perhaps a golden opportunity to ensure your business continuity of having a premise.

Property prices

Property prices in Singapore have seen quite a bit of variance over the years. While commercial property prices have not been affected by the residential property cooling measures, the outlook for this market segment is more sensitive to local and global economic conditions.

Also, certain property types and lease tenures may not always be available in certain areas, so more research might have to be undertaken before a suitable property can be located.

It is particularly important for purchasers who intend to hold on to property in the short to medium term to monitor the trajectory of property prices over the years in all the areas where they are considering making a purchase, as well as to pre-empt any development in the area where the purchase will be made.

That’s why it is a must to do research in future development plans in the area where a potential investment property is located. If possible, make visits to the site and building to inspect the property first-hand. It is also advised to compare the last transacted prices of other units in the same and similar buildings.

Mortgage Loan interest rates

Comparing loan interest rates and understanding the difference between fixed and floating interests is important before deciding on a mortgage loan.

Floating interest rates in Singapore are usually pegged to the Singapore Interbank Offered Rate (SIBOR) or the Singapore Swap Offer Rate (SOR), which are constantly fluctuating. The SIBOR is calculated according to the local interbank market, while the SOR fluctuates according to the global markets, which tend to be less stable than the former.

Fixed interest rates ensure that the borrower enjoys a pre-determined interest rate for a specified amount of time, usually several years, after which they pay a floating interest rate. Borrowers who wish to limit their exposure to fluctuations in the market might opt for fixed interest rate mortgages.

Investors should continue to monitor interest rates throughout the duration of the loan tenure and refinance when it is prudent to do so.

Rental Issues

Rents in Singapore can vary considerably according to location. It is important to conduct research not only on rent prices in the area you are considering of buying at, but also to examine the property type and location, as these can have a great impact on rental yield.

For instance, for retail spaces, one must consider factors like how much walk-in traffic the unit can receive. For office spaces, units in a nicely renovated building that boosts business prestige can usually command higher rents than those in a run-down office building in the same area.

Tenure of Loan – Tenure of Property Lease remaining

The tenure of the remaining lease on a property being considered for purchase will affect not only how much an investor has to pay upfront, but how soon he or she will need to sell the property to turn a healthy profit.

While shorter lease tenures tend to lower the price of a property and thus make it more affordable to purchase, this will also have an impact on investment gains when the property is sold.

It is, therefore, important to think about how long the investor intends to hold on to the property. An investor who intends to hold on to the property in the long and medium term should be careful not to purchase properties with few years of lease remaining.

Renovation Costs

The amount of renovation a particular property will require is an important factor to consider, as the cost of renovations on even a modest-sized commercial or industrial space can be in the tens of thousands.

Unlike renovating a home, when renovating commercial or industrial property, it is important to do so with increasing rental yields and investment gains in mind, rather than simply making the property look more attractive.

Property Tax and Maintenance Fees

While property purchases can be excellent investments, purchasers should know how much they would have to pay in taxes and for the upkeep of the property. For commercial and industrial property, property tax equivalent to 10 percent of the property’s annual value is levied.

Security Deposit

Landlords in Singapore typically require tenants to furnish a security deposit—usually amounting one to two months’ rent — which will be returned when the tenant moves out.

Landlords must be careful to document the original state and condition of the property before signing a tenancy agreement with a potential tenant, as well as obtain legal advice in the situations where they can retain the security deposit.

Goods and Services Tax (GST)

The sale and rental of commercial property in Singapore are subject to 7 percent GST if the owner is GST-registered. GST is also likely to be levied on the supply of furniture and fittings and real estate agents’ fees. This can have a significant impact on purchasers’ investment gains.

Christine Yeo, a lawyer at Haridass Ho and Partners, says, “Investors can always reclaim the GST by setting up a GST-registered entity as a vehicle to own the property. Alternatively, they can buy over the shares of a company owning the property, thereby saving on GST.”

Legal advice should be sought on how to structure the purchase in the mentioned ways.

Legal Fees

Many property purchases are handled by lawyers who typically charge on a per-purchase basis. It is common for commercial landlords to receive legal advice when drafting a tenancy agreement.

While a property purchase is usually charged on a per-project basis, it is a good to ask your lawyer for a quotation before commencing to ensure his or her fees are within your budget.

Ms Yeo advises that tenancy agreements are usually billed on a time-cost basis, but many investors prefer to proceed on a fix-cost basis instead.

If investors are uneasy about paying time-costs, lawyers can provide an estimation of their costs depending on the facts, such as whether there is an opposing counsel to negotiate with and the amount of rent being dealt with.

Investors who are concerned about this should not forget to raise this issue with their lawyers before commencing the matter.

Agent Fees

Landlords who engage an agent to help them to buy, sell and/or rent out commercial property are liable to pay a fee. While fees can vary, agents usually charge 1 percent to 2 percent of the selling price for sales and 0.5 to 2 months’ worth of rent for tenancies, depending on the amount of rent and the duration of the tenancy agreement.

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