Property Investment Singapore
Call Us: +65 9379 9993
$1,947,000
For Sale

The Flow @ East Coast 10% Guarantee Rental Return Instantly Retails Shops Clinics and Food Court

  • Plot Size 775
  • Property Type: ★★★★★★★ Property Investment
$4,650,000
For Sale

Duxton Road Shophouse Full Commercial Heavy Crowd Entertainment License

  • Property Type: ★★★★★★★★★ Property Investment
$4,600,000
For Sale

Meragi Road Semi-Detached House Land for Redevelop Rebuild A&A 3mins walk to MRT

  • Property Type: — Residential-Landed Property, ★★★★ Property Investment, Residential Property
$1,584,000
For Sale

Olloi D15 New Launch Property Low PSF Low Low Quantum

  • Property Type: — Residential-Condominium, ★★★★ Property Investment, Residential Property
$956,420
For Sale

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

  • Property Type: — Residential-Condominium, — Residential-Penthouse, ★★★ Property Investment, Residential Property
$2,072,199
For Sale

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

  • Property Type: — Residential-Condominium, ★★★★ Property Investment, Residential Property
$1,646,000
For Sale

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

  • Property Type: — Residential-Condominium, ★★★★ Property Investment, Residential Property
$1,116,000
For Sale

NYON D15 Amber Garden Brand New Freehold Property Near Tanjong Katong MRT 1BR 2BR 3BR

  • Property Type: — Residential-Condominium, ★★★ Property Investment, Residential Property
$1,923,000
For Sale

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

  • Property Type: — Residential-Condominium, ★★★ Property Investment, Residential Property
$2,450,000
For Sale

Amber Skye D15 Amber Garden Freehold New Launch Condo Tanjong Katong MRT Sea View 2BR 3BR 4BR 6BR

  • Property Type: — Residential-Condominium, — Residential-Town House (Landed where Foreigner Eligible to Buy), ★★★★ Property Investment, Residential Property
$1,096,800
For Sale

Amber Park D15 New Launch Property Freehold Near to Future MRT 1BR 2BR 3BR 4BR 5BR

  • Property Type: — Residential-Condominium, ★★★ Property Investment, Residential Property
$681,210
For Sale

Whistler Grand D5 New Launch Property Low Quantum Low PSF 1BR 2BR 3BR 4BR 3BRDK 4BRDK

  • Property Type: — Residential-Condominium, ★★ Property Investment, Residential Property
$773,000
For Sale

The Essence D26 Sembawang New Launch Property Low Quantum Low PSF Living near Nature Walk to future Springleaf MRT station 1BR 2BR 3BR

  • Bedrooms 1
  • Property Type: — Residential-Condominium, ★★★ Property Investment, Residential Property
$636,000
For Sale

RIVERFRONT RESIDENCES D19 Hougang Brand New Property Launch Low Quantum Low PSF 1BR 2BR 3BR 4BR 5BR

  • Property Type: — Residential-Condominium, — Residential-Landed Property, ★★★ Property Investment, Residential Property
$932,000
For Sale

Parc Botannia D28 Under Value Property New Launch Selling Fast 2BR 3BR 5BR

  • Property Type: — Residential-Condominium, ★★★★ Property Investment, Residential Property
$919,400
For Sale

Kandis Residence D27 Sembawang New Property Launch Low Quantum Low PSF 2BR 3BR

  • Property Type: — Residential-Condominium, ★★★ Property Investment, Residential Property
$614,000
For Sale

The Jovell D18 Tampines New Launch Property Low Psf Low Quantum High Growth Potential 1BR 2BR 3BR 4BR

  • Property Type: — Residential-Condominium, ★★★ Property Investment, Residential Property
$673,000
For Sale

The Tapestry District 18 Tampines New Launch Property Low PSF Low Quantum High Growth Potential 1BR 2BR 3BR 4BR 5BR

  • Property Type: — Residential-Condominium, ★★★ Property Investment, Residential Property

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?
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Most Affordable New Condos For Investment In 2019

Kandis Residences
The Jovell
Parc Botannia
Riverfront Residences
The Essence
The Tapestry
Whistler Grand

Advance Property Investment Techniques

BSD (Buyer Stamp Duty) in Singapore

All Property Purchase in Singapore will be taxed BSD (Buyer Stamp duty). For Residential property below 1 million dollar it would be (Property Purchase Price X 3%) – $5,400. For Residential property above 1 million the BSD is (Property Purchase Price X 4%) – $15,400.
For Non-Residential Property the BSD will be 3% – $5400
For more details regarding BSD you can visit IRAS.

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

PROGRESSIVE PAYMENT SCHEDULE


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.

Rent

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.

Investors should be looking out for agents who are responsive and knowledgeable about the commercial and industrial property industry. If you need an agent you can Contact us at +65 9379 9993.

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