Stories By: Dollars And Sense (265 Articles Found)

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Complete guide to buying landed property in Singapore

While most Singaporeans are familiar with the process of buying an HDB flat or condominium, few of us actually have the experience of buying landed property in Singapore. After all, only 5% of Singapore households reside in landed…

HDB property prices near popular primary schools: Do they really cost more?

For young parents, primary school registration can be one of the most competitive events of their parenting lives. We have all heard tales or know of people who have moved to stay near the pri school of their…

Guide to understanding & analysing REITs in Singapore

In Singapore, REITs are often heralded for their high dividend yields (typically ranging from 4% to 8%), low-entry diversification into real estate, and their liquidity as compared to physical investments. In fact, Singapore is the largest REIT market…

The most underrated housing estates in Singapore (that you should maybe look at more closely)

1) Tengah – It may be underrated – similar to how Punggol and Sengkang estates were starting out close to 20 years ago. Being a brand new estate has its advantages. Tengah is able to start on a…

Neighbourhood estate guide: Smart forest living in Tengah – Singapore’s first car-free HDB town centre

Tengah at a size of around 700 hectares, is HDB’s 24th and the newest town. It is bounded by Choa Chu Kang to the northeast, Jurong East and West to the south, Bukit Batok to the east and…

Is it worth renting and waiting for your BTO or paying the higher prices for a resale flat now?

For young couples thinking about buying their first home, 2021 is a year of tough choices. With the COVID-19 pandemic making WFH a default, the typical Singaporean norm of applying for a BTO flat and temporarily living together…

Wealth tax: How estate tax in Singapore in used to look like before it was scraped in 2008

Recently, Ravi Menon, MD of MAS, broached the topic of wealth tax in Singapore in a lecture with IPS. The mention of re-introducing wealth taxation is accompanied by the concern to address the risk of rising inequality. According…

REITs report card 2021: How Singapore REITs performed in 2nd quarter 2021

COVID-19 has accelerated various mega-trends such as digital transformation, new consumer behaviours in the retail sector, and even the emergence of new business models. With Singapore’s (and the global) economic recovery gradually unfolding, the second quarter of 2021…

5 things to know about DBS Home Equity Income Loan (DBS EIL)

1) DBS EIL only available to eligible seniors with a single property – You also need to own and stay in a private residential property that is fully paid up and you must not own any other property…

Why it doesn’t make financial sense to give up your HDB BTO flat due to construction delays

I think it’s safe to assume that most young Singaporeans own our first home through the HDB BTO scheme. This includes me and my wife. When I recently read a CNA article following the plight of Ms Lim,…

Guide to REIT ETFs in Singapore

As a Singaporean investor, we might have heard of REITs and ETFs. To meet investors’ interest, Singapore launched its first REIT ETFs on GX in 2016. By combining ETF and REITs, a REIT ETF can provide an opportunity…

How much you need to earn to buy and stay in an $1 Million HDB flat?

With resale flat prices rising every quarter, it may not be farfetched to think that one day we will be considering buying a $1 million HDB flat. So, here’s how much we need to earn to buy and…

How much does it cost to install EV chargers in condominiums or apartments with Electric Vehicle Common Charger Grant (ECCG)

As Tesla showroom gets confirmed with the first vehicle being delivered into Singapore just last week, the need for more EV chargers is increasing. While the cost of installation for EVs in HDB carparks would be covered by…

Is Singapore property market really in an asset bubble right now?

It’s safe to say that majority of people have been keeping up with the news a lot more closely in the past year or so. Apart from COVID-19 updates, another piece of news that many of us may…

Why Singapore REIT investors should consider investing via The iEdge S-REIT Leaders Index

Indexes have been around in the financial markets for as far as we can remember. Indexes, also known as indices, refer to a basket of securities that act as a proxy to how a particular market is performing.…

Best HDB estates for rental yield: Should you buy a HDB flat for its potential rental yield?

With HDB resale prices rising for the fifth consecutive quarter in 2Q2021, potential home buyers and current homeowners may be looking for ways to maximise the use of their property. Flash data from SRX also indicate that HDB…

What is Cash-Over-Valuation (COV) and how does it affect (or not affect) HDB prices

After consecutive quarters of increasing HDB resale prices, anyone looking (or even thinking) about buying a resale flat would already know that it is a seller’s market right now. Demand for resale flats have increased dramatically, partly driven…

Will the COVID-19 pandemic spell the end of era for the wet market?

For many young Singaporeans, our first port of call for groceries is the supermarket or even an online delivery service like RedMart. However, for the true-blue Singaporean, there is no better place for fresh produce, meat and fish…

Are condos really a good investment & are private properties a sign of riches in Singapore?

1) Condominium is not an “upgrade” from HDB – In exchange for a lifestyle “upgrade”, you would suffer a major “downgrade” in your personal finances. Most private property owners would not be able to service their loans with…

4 Singapore Stocks For ESG Investors: City Development; DBS; Capitaland; Sembcorp Industries

1) City Developments Limited (CDL) is one of Singapore’s largest real estate companies with a portfolio of residential, commercial, hospitality and retail space spanning 112 locations in 29 countries and regions. When it comes to ESG matters, CDL…

What is the Mortgage Servicing Ratio (MSR) when you buy a HDB or Executive Condo (EC) flat

For most of us, purchasing a property is one of the largest financial decisions we would have to make in our lifetime. Based on May 2021 BTO sales launch, the BTO prices for a 4-room flat range from…

BTO MOP flat vs old resale flat: Which makes more financial sense for a single to buy?

In this article, we will take a deep dive into whether it makes more financial sense for singles to choose between a BTO flat that is just out of MOP or an older resale flat. For this comparison,…

4 Mapletree REITS For Singapore Investors: Mapletree North Asia Commercial Trust; Mapletree Logistics Trust; Mapletree Commercial Trust; Mapletree Industrial Trust

With the highest number of foreign REITs listing in the world, Singapore has the largest REITs market in Asia (excluding Japan). The REITs market accounts for over 12% of SGX total market capitalisation. After taking a hit in…

4 reasons why a Good Class Bungalow (assuming you can afford it) is a great investment

1) PSF cost for site area & build-up area is actually quite affordable – The quantum of $36 million may seem high. However, when you consider the psf cost that you are paying for the land size, the…

10 types of property cooling measures that Singapore government may introduce (based on past track record)

1) ABSD – A property cooling measure introduced in 2011, it was last raised in 2018 to further dampen the demand from property investors; 2) SSD – It was last adjusted in 2017 to reduce the holding period…

Step-by-step guide to making a CPF voluntary housing refund

For home buyers in Singapore, tapping onto our CPF OA funds for the downpayment and monthly loan repayments is a popular option. This is because using our CPF monies presents a low out-of-pocket approach, making it easy on…

Step-by-step guide to upgrading from an HDB flat to a private property

In Singapore, about 80% of our population lives in HDB flats. For some, upgrading from an HDB flat to a private property is a goal that they strive towards. If you had a relatively smooth experience with buying…

7 little-known HDB renovation guidelines that Singaporean homeowners should know about

1) Void areas should remain void i.e. mezzanine structures are not allowed – HDB says such extension may result in an additional load within the apartment that could lead to structural issues; 2) Purchasing the recess area outside…

6 ways to make money by recycling in Singapore

1) Be rewarded for recycling your e-waste come July 2021 – You can earn points for recycling your old devices by, first scanning the QR code to login to the system, followed by submitting images of the equipment.…

Neighbourhood estate guide: Is Pasir Ris the place for seaside living?

The home of 106,600 HDB residents, Pasir Ris is a town in the northeast of Singapore. Pasir Ris was once known as Passier Reis in the 1800s. The current name, Pasir Ris is possibly a contraction of the…

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