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  • 02-12-12, 13:49
    Rein
    Quote Originally Posted by DC33_2008
    Why need to cool them if there is demand? Garment always like to leave it to market forces. Just like Pinnacle.
    Gahmen just wants to prevent any market crash from causing the ordinary Singaporeans financial distress and public unhappiness

    Big boys can afford to take the risk - they got holding power
  • 30-11-12, 15:50
    leftfield
    Quote Originally Posted by Lovelle
    who knows you are in 30s
    Haha, let's just say still have > 20 productive working years!

    Far away from retirement like many gurus here!!!
  • 30-11-12, 15:44
    Lovelle
    Quote Originally Posted by leftfield
    Wow, that was to the point. Not young anymore lah.
    who knows you are in 30s
  • 30-11-12, 15:42
    Shanhz
    Quote Originally Posted by newbie11
    i mean after adding spread to avg sibor 2.7%, it will be 4-5% eventually. home loan spreads is increasing. now spread for yr4 onwards is abt 1 to 1.25%.. assuming sibor jumped double, int rate will be 2% in 2016. i suppose still consider low?
    My spread is 0.8%.. So all in is about 1.1%. We have transparent historical sibor info, but i tink no such info on historical spread. If we have that, then basically we can for sure know what is the "correct" average interest rate to flex for in our calculations.
  • 30-11-12, 15:29
    leftfield
    Quote Originally Posted by Lovelle
    how old are u ?
    Wow, that was to the point. Not young anymore lah.
  • 30-11-12, 15:23
    newbie11
    Quote Originally Posted by Shanhz
    my spread is about 0.8%. not sure long term wise, what is the average spread.
    i mean after adding spread to avg sibor 2.7%, it will be 4-5% eventually. home loan spreads is increasing. now spread for yr4 onwards is abt 1 to 1.25%.. assuming sibor jumped double, int rate will be 2% in 2016. i suppose still consider low?
  • 30-11-12, 14:13
    Lovelle
    Quote Originally Posted by leftfield
    For as long as I can remember in my working life, interest rates have never hit 5%.

    Not saying it won't but just an observation.
    how old are u ?
  • 30-11-12, 13:49
    Shanhz
    Quote Originally Posted by newbie11
    Add spread will be 4-5%
    my spread is about 0.8%. not sure long term wise, what is the average spread.
  • 30-11-12, 13:25
    newbie11
    Add spread will be 4-5%
  • 30-11-12, 11:52
    Shanhz
    Quote Originally Posted by leftfield
    For as long as I can remember in my working life, interest rates have never hit 5%.

    Not saying it won't but just an observation.
    1987 to 2012 (SIBOR Yearly)

    END OF PERIOD INTERBANK 3-MONTH
    1987 3.13
    1988 5.38
    1989 5.63
    1990 4.81
    1991 3.00
    1992 2.31
    1993 3.31
    1994 4.38
    1995 2.56
    1996 3.13
    1997 6.75
    1998 1.88
    1999 2.75
    2000 2.81
    2001 1.25
    2002 0.81
    2003 0.75
    2004 1.44
    2005 3.25
    2006 3.44
    2007 2.38
    2008 1.00
    2009 0.69
    2010 0.44
    2011 0.38

    Average of the above: 2.7%

    So i guess my 5% abit too high. use 3% enuff.
  • 30-11-12, 11:39
    chestnut
    Quote Originally Posted by leftfield
    For as long as I can remember in my working life, interest rates have never hit 5%.

    Not saying it won't but just an observation.
    Bro, it did in the 90s... I was involved... But my rental still can cover mortgage... Only during recession, than I folk out cash because rental cannot cover...
  • 30-11-12, 11:36
    chestnut
    Quote Originally Posted by Shanhz
    bro u talking about good times, or bad times? or average times?
    Ave times...

    Good times, don't even border about yield, look at cap gains enough. Bad time, pray to god u can service the loan w/o tenant.

    Always prepare for worst case scenario.



    If not, don't go in.... Expect the unexpected.
  • 30-11-12, 11:34
    leftfield
    Quote Originally Posted by Lovelle
    everybody has been asking when interest rate will go to 5% for upmteen times...

    must remember, it must go to 2% first, 3 % ....then 5%
    For as long as I can remember in my working life, interest rates have never hit 5%.

    Not saying it won't but just an observation.
  • 30-11-12, 11:30
    Lovelle
    Quote Originally Posted by newbie11
    At 5%, I doubt there is decent units at todays sale prices that can cover rental, assuming rental stay at today's rates
    everybody has been asking when interest rate will go to 5% for upmteen times...

    must remember, it must go to 2% first, 3 % ....then 5%
  • 30-11-12, 11:29
    Shanhz
    Quote Originally Posted by chestnut
    Bro, rental rate always higher than mortgage interest rate...
    Look at Singapore, Malaysia,Indonesia, Bangkok, Australia,...

    Can name me a few countries that is not like this?

    Serious... It willbe an interesting... So far, only have stats for the above few countries.
    bro u talking about good times, or bad times? or average times?
  • 30-11-12, 11:28
    chestnut
    Quote Originally Posted by newbie11
    At 5%, I doubt there is decent units at todays sale prices that can cover rental, assuming rental stay at today's rates
    Bro, rental rate always higher than mortgage interest rate...
    Look at Singapore, Malaysia,Indonesia, Bangkok, Australia,...

    Can name me a few countries that is not like this?

    Serious... It willbe an interesting... So far, only have stats for the above few countries.
  • 30-11-12, 11:24
    Shanhz
    Quote Originally Posted by newbie11
    At 5%, I doubt there is decent units at todays sale prices that can cover rental, assuming rental stay at today's rates
    yah, that's what i mean. so answer: no lor.
    too risky.
  • 30-11-12, 11:23
    newbie11
    At 5%, I doubt there is decent units at todays sale prices that can cover rental, assuming rental stay at today's rates
  • 30-11-12, 11:16
    Lovelle
    Quote Originally Posted by newbie11
    will you buy a unit for investment where rental only cover installments?
    40% downpayment, u can have + cashflow
  • 30-11-12, 11:09
    Shanhz
    Quote Originally Posted by newbie11
    will you buy a unit for investment where rental only cover installments?
    if instalment at 5% interest rate, and can afford to plonk 40% downpayment, yes
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