Monthly archive - August 2015

How to Earn a Good Return on Property Consistently

Posted on Aug 30, 2015 in Articles, Singapore Property Investment by 0 Comments

I’m probably not being modest in this post. Pardon me if I sound overly boastful on the tremendous success I had with my real estate investments over the last 14 years.

My point in writing is not to put readers down. It is to help you understand key differences between being a mediocre investor and a truly successful investor.

I’ve always been exceptionally successful in the real estate “game”. Both overseas and local. You may want to think I’ve a hula hoop above my head. But all I have on my head is my sports cap. Neither am I smarter than anyone one of you. In fact, you’e probably smarter and have a higher IQ than me.

Email from Reader: Sell HDB and Re-invest in Private Property?

Posted on Aug 23, 2015 in Articles, Singapore Property Investment by 0 Comments


Email from Reader:

After going through financial difficulties over the past few years, I have been thinking of ways to build my wealth in quicker ways other than through the normal monthly wages. Minus personal & household expenses (I have 3 young children), insurances and bank loans, etc., there is nothing much left. I just want to get out of this cycle and gain financial freedom so I attended a free seminar “Owning 2 or more properties with little or no income” which caught my attention. After attending the seminar, I am even keener to embark on a property investment journey.

To cut it short, we were told that private properties are better investment than HDB flat. And to start off the private property investment, it is better to sell off our existing HDB flat.

But because of my family financial situation, I asked the speaker how possible and feasible it is for me to get a home loan to buy a private property. (A brief description of my financial situation, I took various loans years ago on behalf of my husband & his parents and incurred bad credit rating for they have been unable to service the loans. My husband has worse credit rating than mine. We still have outstanding debts.)

Hence I am sceptical about securing a home loan. The speaker said an option is to apply for the home loan using my mother’s name and there is a possibility of getting 80% loan and 30 years tenure although she is a 53 years old housewife because my parents do not own any property (they are staying in a rented place). My dad is self-employed and I supposed he has/had loans for business cash flow.

So the sugeested plan is to have my mother “own” 98% of the property and my husband & I 1% each so as to use our CPF for part of the 20% down payment.

I am wondering how is this possible and what repercussion/implication will there be?

What other factors do I have to consider?

Buying EC Today – Attractive or Over-hype?

Posted on Aug 16, 2015 in Articles, Singapore Property Investment by 1 Comment

The EC (Executive Condominium) concept was an innovative public housing initiative launch by the Government in 1997 for Singaporeans and PRs to enjoy “private property” without the huge price tag that comes with exclusive lifestyle living.

With a hot and expensive property market in recent years, more buyers have taken to ECs with government releasing ample lands for such developments.

Is buying an EC as attractive as before?

Or are ECs simply an over-hyped purchase?

Housing Loan: CPF or Cash to repay our Mortgage?

Posted on Aug 10, 2015 in Articles, Investment Strategy by 0 Comments

Lock up

My personal view of ‘affordability’ is, ‘if you can’t pay it off in 5 years, then you can’t afford it.

We explore some factors to consider when deciding whether to use CPF monies for our mortgage repayment.  A popular question…

My property blog has always, and will always be written primarily for the private property market. As you might have known by now for my ardent readers, my personal opinion has always been that public housing is never considered a real investment no matter those arguments from “experts” even pigs can learn to fly.

But I hope to fill in “gaps” for readers who want to know more stuffs on Government Housing, i.e HDBs and ECs, and other property topics I do not cover in detail.

Gazelles don’t swing from trees…and neither do lions.

Posted on Aug 2, 2015 in Articles by 0 Comments

Every morning in Africa, a gazelle wakes up. It knows it must outrun the fastest lion or it will be killed. Every morning in Africa, a lion wakes up. It knows it must run faster than the slowest gazelle, or it will starve…
…it doesn’t matter whether you’re a lion or gazelle – when the sun comes up, you’d better be running.


It’s a classic financial mania. You live in a little world of greed and everybody around you is interested in spinning the story to make the greed sound like a good investment.

Please allow me to vent my anger in this post. I’ve tried to be honest and open about everything. I’d like it if you read it but I don’t hope for anything in particular for you to think after you’ve read it.