Are You an Armchair Property Investor?

By Gerald Tay (Guest Contributor) On a daily basis, I probably get 5 to10 emails telling me investing in property is my route to “financial freedom” or “it’s a better bet than investing in stocks.” And for some, property might be. But for many, it can be the worst investment you make. There are far…

Who the New Total Debt Servicing Ratio Will Kill

By Property Soul (guest contributor) The Monetary Authority of Singapore (MAS) introduced the Total Debt Servicing Ratio (TDSR) framework for all property loans granted by financial institutions (FIs), with effect from 29 June 2013. In for the kill Computations of the TDSR affects properties that are residential or non-residential, owned individuals or companies, new applications…

Do the Additional Stamp Duties and HDB Cash Over Valuation Make Sense?

By The Folks(guest contributor) A letter from a certain Mr Zhuang Li-Hao was published in the Straits Times forum page recently. Mr Zhuang felt that existing policies curb transaction volumes, but are by themselves inflationary. This is why prices continue to rise despite the various rounds of cooling measures. He suggested two ways to modify…

The 2 Numbers Smart Property Investors Must Know: COCR and IRR

By guest contributor Gerald Tay In the first part of this article, we talked about the importance of looking at numbers instead of location when buying investment property. There are two vital numbers that novice investors and speculators frequently ignore: the Cash-on-Cash Return and Internal Rate of Return. Let’s now take a closer look at…

Is ‘Location’ Really the Sacred Mantra Of Property Investment?

By guest contributor Gerald Tay You have probably heard this popular phase when learning about property investment: “Location! Location! Location! You can’t go wrong if you buy in a good location.” The lesson for investors is that “location” should be the top consideration in your investment decision. In other words, as long as you follow…

Singapore Property News This Week #3

Here’s our summary of the important residential, commercial and industrial news this week. We hope this helps you to save time catching up on the news! RESIDENTIAL Average holding period for subsales increased to 2.31 years in Q1 2011 Savills’ study revealed that the average holding period for subsales in Q1 2011 was 2.31 years,…

Singapore Property Market Sentiment Significantly Affected By New Measures

In a recent survey I carried out to Propwise.sg subscribers, 66% of the 269 respondents believe that the current fourth round of property control measures by the government are sufficiently harsh to prevent the formation (or worsening) of a property bubble in Singapore. 71% of the respondents believe that property prices will stay flat or…