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Thread: First investment need advice!!

  1. #21

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    Quote Originally Posted by Newbie1 View Post
    What is the difference bet resale FH and new private condo?



    Isnt future pricing also factored in for resale FH also? Nope, if you buy those not factored in.

    For old resale FH, would upside also be limited since the runup of prices the last few years also pushed their prices high high

    if a new higher priced LH condo has higher yield than old resale FH, would not both even out in 5-8 years?
    Isnt future pricing also factored in for resale FH also? Nope, if you buy those not factored in.

    For old resale FH, would upside also be limited since the runup of prices the last few years also pushed their prices high high

    It take time and effort to look for the gem.

    http://www.todayonline.com/sites/def...?itok=OQ_HAU_H

  2. #22
    Join Date
    May 2012
    Posts
    3,946

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    There are gems for every category.

    Main thing is to consider carefully the intention, the risks involved and how much risk one is willing to take.

    For example, if no children and retirement funds all set, LH is no issue as funds are freed up for other investment needs or second property funds.



    Quote Originally Posted by Arcachon View Post
    Isnt future pricing also factored in for resale FH also? Nope, if you buy those not factored in.

    For old resale FH, would upside also be limited since the runup of prices the last few years also pushed their prices high high

    It take time and effort to look for the gem.

    http://www.todayonline.com/sites/def...?itok=OQ_HAU_H
    The three laws of Kelonguni:

    Where there is kelong, there is guni.
    No kelong no guni.
    More kelong = more guni.

  3. #23

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    Timing.

    Bought in 1988 sold HDB in 1995.


  4. #24

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    Bought in 2006. the peak is 2013 guess when will the next peak be.

    With all the control measure and TDSR being the structure of property loan, next peak maybe 20 years from now.



    Last edited by Arcachon; 26th September 2016 at 10:18 PM.

  5. #25

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    Quote Originally Posted by Kelonguni View Post
    There are gems for every category.

    Main thing is to consider carefully the intention, the risks involved and how much risk one is willing to take.

    For example, if no children and retirement funds all set, LH is no issue as funds are freed up for other investment needs or second property funds.

  6. #26

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    According to the Urban Redevelopment Authority’s private home prices index, prices have only fallen 9 per cent over three years since peaking in the third quarter of 2013. The magnitude of this decline is small, compared to the 62 per cent ramp-up of prices over a four-year period between 2009 and 2013.

    http://www.channelnewsasia.com/news/...y/3014552.html

  7. #27
    Join Date
    Mar 2009
    Posts
    10,798

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    If no children and retirement funds all set, don't even need to buy property, sell the property and use those to earn better return else where and can also spend the money to rent luxury condo (those with full condo facilities, concierge service, air-con lift lobby etc) to live like a King/Queen!

    Quote Originally Posted by Kelonguni View Post
    There are gems for every category.

    Main thing is to consider carefully the intention, the risks involved and how much risk one is willing to take.

    For example, if no children and retirement funds all set, LH is no issue as funds are freed up for other investment needs or second property funds.

  8. #28
    Join Date
    Mar 2009
    Posts
    10,798

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    But the URA PPI does not tell the whole story.........
    i.e., CCR drop >20 (some even >30%) already over past 7 years...........
    OCR barely drop 1% (may be?)..........
    Also, 20 years old LH private properties probably >15% cheaper than same 20 years old FH private properties (and the gap will increase as both ages further, and LH property value will go to ZERO at end of 99 years lease!)..........

    Quote Originally Posted by Arcachon View Post


    According to the Urban Redevelopment Authority’s private home prices index, prices have only fallen 9 per cent over three years since peaking in the third quarter of 2013. The magnitude of this decline is small, compared to the 62 per cent ramp-up of prices over a four-year period between 2009 and 2013.

  9. #29

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    The right time should be 5 to 8 years from now.

    Best is to buy a 5 room HDB and rent out 4 bedrooms for rental income.

    Collect for 5 years then buys private.

    If property crash buy big one otherwise buy small one.

  10. #30
    Join Date
    May 2012
    Posts
    3,946

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    5rm HDB where got 4 bedroom? 3 in total only.

    And befor MOP cannot rent out.

    Quote Originally Posted by Arcachon View Post


    The right time should be 5 to 8 years from now.

    Best is to buy a 5 room HDB and rent out 4 bedrooms for rental income.

    Collect for 5 years then buys private.

    If property crash buy big one otherwise buy small one.
    The three laws of Kelonguni:

    Where there is kelong, there is guni.
    No kelong no guni.
    More kelong = more guni.

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