Justin Kong

Is your HDB an asset?

HDB flats were regarded as a form of long term asset by Singaporeans who will buy and hold on to their HDB for a very long period of time. Let…

Does buying in the earlier phases of a new launch mean a better discount?

You may have heard that the first phase of any new property launch is the “cheapest”. This is to get a good initial response and get the ball rolling; that’s…

Should you upgrade to an executive condo (ec) or a private condo?

If you’ve reached the five-year Minimum Occupancy Period (MOP) on your flat, you can now consider selling your flat and upgrading. For many homebuyers, this may come down to a…

Why property agent (real estate salesperson) may be the right career for you ?

Have you ever wondered if joining the real estate business as a property agent is the right career choice or switch for you? This is one most frequently asked questions…

Is it worth refinancing due to falling interest rates?

Due to the Covid-19 outbreak, the United Stated Federal Reserve has cut interest rates to near zero (I have discussed this in a previous article). This has a knock-on effect in Singapore,…

3 common mistakes new property agents make that ends their career

As of 2021, statistics show that there are more than 30,000 property agents agents in Singapore! Among this vast pool, the main differentiator would be ‘good’ and ‘bad’ ones. However,…

Should you apply to defer your home loan payments?

Due to the Covid-19 outbreak, the Monetary Authority of Singapore (MAS) has told banks they must allow certain home loan deferment. This includes monthly home loan repayments. However, just because this…

Is it safe to upgrade your home during the Covid-19 Downturn?

If you’ve been following the property news, you may have been puzzled by how private home sales are rising. In August 2020, for instance, private home sales managed to reach an…

How long should you hold on to a 99 year lease property or flat?

By now, many Singaporeans are aware of lease decay. This is when the 99-year lease on a condo or HDB flat runs out, and the land is returned to the…

Understanding primary one registration when buying a home

I’m sure many people will agree with the saying “I wished there was an instruction manual that came along with the baby.” As we begin our new journey into this…

CPF accrued interest, the silent killer of sales proceeds

In 2019, an old friend of mine, Amos, contacted me with the intention of selling his HDB and upgrading to a condominium. In our conversation, one phrase he mentioned caught…