PROPERTY HARD TRUTHS SG

Ethan, a realtor since 2022, shared his journey and challenges in the real estate industry. His first deal was an HDB divorce case, which he handled despite initial fears. His second deal involved a sell-and-buy scenario, teaching him about Contra and extension of stay. His third deal was a $2.4 million landed property, highlighting the complexities of high-value private properties.  Ethan also fa...

In this episode of the "Property Hard Truth" podcast, Nizam Adli interviews Geoffrey Lim, a young real estate agent with two years of experience. Geoffrey shares his motivations for entering the industry, including the desire for flexibility and the challenges of proving himself in the first year.  He discusses his first significant deal, a $6,000 rental commission earned over four month...

Nizam Adli and Neeza Ali discuss the recent announcement by the Minister of National Development, Mr. Chi Hong Tat, regarding the end of the Selective En bloc Redevelopment Scheme (SERS) for HDB flats and the introduction of the Voluntary Redevelopment Scheme (VERS). They explain that only 4% of HDB flats are typically SERs, and VERS will be voluntary, requiring a 75% majority vote for redevelopme...

NeezaNizam discusses the possibility of upgrading an HDB without selling it, highlighting the conditions and terms involved. He explains that HDB owners must wait five years from the minimum occupational period (MOP) before considering a second property. The total debt servicing ratio (TDSR) and additional buyer stamp duty (ABSD) are crucial factors.  For a second property, the ABSD is 20% of the...

NeezaNizam discussed the feasibility and affordability of upgrading from an HDB to a condo. They emphasize that many clients are everyday Singaporeans, including teachers, nurses, and business owners, who have the capacity to elevate their wealth. They highlight the importance of proper financial calculations, including the Total Debt Servicing Ratio (TDSR), which limits loan amounts to 55% of inc...

What really makes us happy when it comes to money?  In this episode, we shared Harvard professor and happiness expert Arthur Brooks views where he breaks down the five things we can do with money—and reveals why only four of them actually bring joy.  From the power of shared experiences to the surprising science behind giving and saving, we explore how to use money the right way. Plus, why debt—es...

“Alright, let's talk about something really important today — HDB profit erosion. This is something many homeowners overlook until it's too late.  You see, in the past, it was very common for people to buy HDB flats and after five, ten years, they could make a tidy profit — $100K, $150K, sometimes even more. But today, the game has changed.  Why? Because the market has shifted. With risi...

This episode NeezaNizam discussed the fact that HIGH FLOOR units do not necessary are better units.  No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed the impact of the muted BTO launch in December 2023 and how it will affect HDB resale market come 2024.  No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed the impact of higher property tax for both owner occupied and non-owner occupied property in Singapore.  No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed the impact on manner of holding between non-spouse.  No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed why it might just make sense to pay COV especially if the unit checks all your boxes including renovation.  No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed HDB sellers should price their unit RIGHT and not be too EMOTIONAL on getting the HIGHEST price.  No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed whether the property market in SG is shifting to a buyers' market or it has also shifted?!!  No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed why Singapore's CPF scheme is among the top 10 in the world. But the question is are we taking advantage of it?? No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed why fully paying your flat might not be the best option for you. Understand the fundamentals of fully paying your flat with the RIGHT resources. CASH or CPF? No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed why people are still clueless about the use of CPF an its accrued interest. Why do we need to "pay back" when we sell our flats. Is it our own money? No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed the misconception of estate distribution especially when it comes to islamic faraid law. The difference in the manner of holding  determines what happen to the asset when death occurs. No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezani...

This episode NeezaNizam discussed probably the dream of every Singaporean whether their HDB flat will fetch $1M in the resale market. Or is it just a dream.... No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed whether the 15 years wait for a fellow Singaporean to buy his first BTO was worth it. His video went viral and we salute his determination. But what could have been done to shorten the wait?! No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @...

This episode NeezaNizam discussed about whether as a sole breadwinner or single income family, you are able to realise your family dreams for a bigger home. Is it just too risky knowing the current economic climate? No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizam...

This episode NeezaNizam discussed about Fire Insurance and what exactly does it covers. Well, is it enough especially if many a times fire occurs not to your own doing? No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

This episode NeezaNizam discussed about Home Protection Scheme (HPS) and why many still are not covered fully. We share why its important and why home owners are clueless about it. No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg.

This episode NeezaNizam disucussed about can you pay off your CPF accrued interest without selling your HDB. We share the pros and cons of such a move and whether it is beneficial to HDB flat owners. No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg.

This episode NeezaNizam talks about the new HDB process called HFE.  Does it mean HDB buying process is more tedious or cumbersome? What you need to know before embarking on that flat hunting spree....so that you don't get caught in not doing the process right. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @nee...