Terrence Tang

Terrence Tang Helping ordinary Singaporeans to understand the real estate market and lay out the available options

28/02/2022

If price wasn't an issue and you had to choose between one of the following properties, which one would you go for?

Option 1: Scotts Square
✅ Freehold
✅ Integrated Development
✅ Orchard

Option 2: Centris
✅ 99 Years Leasehold
✅ Integrated Development
✅ Jurong

Most people would go for Scotts Square simply because it's a Freehold property located in Orchard, a much better location compared to Centris, a 99-year leasehold property located at the far end of Singapore.

But do you know that 51 out of 58, or 87% of the resale transactions in Scotts Square were unprofitable?

Centris, on the other hand, had 491 out of 503, or 97% profitable resale transactions.

Why is this so when Scotts Square is a Freehold property in a much better location?

Is location the key factor in driving profits when it comes to real estate investing?

👉 https://terr.sg/property-restructuring

Hey, it's Terrence here and over the past couple of years, I've had the privilege to help more than 250 families make informed decisions in their property journey by equipping them with the latest market insights.

If you are a first-time property buyer or an existing homeowner who's committed to ensuring that you are making informed decisions in your property journey,

I would like to invite you to a free 1-to-1 consultation where I'm going to help you assess your affordability, lay out your available options and equip you with the latest market insights so that you can make informed decisions in your property journey and build your wealth prudently.

As 1-to-1 consultations are time-consuming, it will be on a first-come-first-serve basis and is by application approval only.

If you are interested in making the right decisions in your property journey, all you have to do is click on the link around this video to apply right now and I will see you soon.

Stay safe!

👉 https://terr.sg/property-restructuring

28/02/2022

What If I told you that simply buying a property that's new to an upcoming MRT station may no longer be an effective investment strategy?

Take a look at these 2 examples.

Back in 2003 when Serangoon MRT station was opened, the prices for Sunglade, a development just next to it, remained stagnant.

In 2012, when Downtown MRT opened, the prices for the nearby Sail @ Marina Bay remained stagnant as well.

👉 https://terr.sg/property-restructuring

And here's why...

Decades ago, Singapore only had the North-South Line and the East-West line. As such, having a property that's near to an MRT station was one of the most important factors for most buyers due to convenience.

With more than 130 stations and six MRT lines spanning across the whole of Singapore today, is it still worth paying a premium for a property that's near an MRT station?

When it comes to investments, all usable Information and strategies have an expiry date. And basing the biggest investment of your life on outdated strategy may be the biggest mistake you can ever make.

👉 https://terr.sg/property-restructuring

Hey, it's Terrence here and over the past couple of years, I've had the privilege to help more than 250 families make informed decisions in their property journey by equipping them with the latest market insights.

If you are a first-time property buyer or an existing homeowner who's committed to ensuring that you are making informed decisions in your property journey,

I would like to invite you to a free 1-to-1 consultation where I'm going to help you assess your affordability, lay out your available options and equip you with the latest market insights so that you can make informed decisions in your property journey and build your wealth prudently.

As 1-to-1 consultations are time-consuming, it will be on a first-come-first-serve basis and is by application approval only.

If you are interested in making the right decisions in your property journey, all you have to do is click on the link around this video to apply right now and I will see you soon.

👉 https://terr.sg/property-restructuring

28/02/2022

Imagine a scenario where it's 2015 and you are looking for a 3 bedroom private property within Pasir Ris.

Option 1 - A 1141 sqft unit at Whitewaters EC that's going for $878k or $770 psf.

Option 2 - A 1163 sqft unit at The Palette that's going for $1.2mil or $1032 psf

Option 3 - A 1152 sqft unit at Coco Palms for $1.25mil or $1092 psf

Which would you go for?

👉 https://terr.sg/property-restructuring

If you have gone for Whitewater or The Palette, fast forward till today and you would realise that both these properties are still faced with price stagnation.

This means that in the event that you want to sell it, you wouldn't be able to make any profits and will be incurring losses from the stamp duties, renovations etc that you paid for when you bought it.

If you had gone for Coco Palms despite it being the more expensive option, you would notice that the prices appreciated consistently over the years, netting you healthy profits and allowing you to cash out with ease.

👉 https://terr.sg/property-restructuring

Now, let’s take a look at another example in 2016 within the Hougang - Sengkang area.

Option 1 - A 1292 sqft unit at The Rivervale that's going for $850k or $658 psf.

Option 2 - A 1238 sqft unit at Boathouse Residences that's going for $1.15mil or $929 psf

Option 3 - A 1044 sqft unit at Kingsford Waterbay for $1.2mil or $1156 psf

👉 https://terr.sg/property-restructuring

For The Rivervale or Boathouse Residences, despite both being lower priced, again their prices have stagnated and would not have netted you any profits if you needed to sell.

Now for Kingsford Waterbay, although it's a slightly smaller unit at a higher price, prices have appreciated consistently over the years, netting you healthy profits if you were to sell.

For these two examples, the 3 developments in each example respectively, are in such close proximity and share the same nearby amenities… So why is there such a big difference in their pricing performance?

👉 https://terr.sg/property-restructuring

Hey, it's Terrence here and over the past couple of years, I've had the privilege to help more than 250 families make informed decisions in their property journey by equipping them with the latest market insights.

If you are a first-time property buyer or an existing homeowner who's committed to ensuring that you are making informed decisions in your property journey,

I would like to invite you to a free 1-to-1 consultation where I'm going to help you assess your affordability, lay out your available options and equip you with the latest market insights so that you can make informed decisions in your property journey and build your wealth prudently.

As 1-to-1 consultations are time-consuming, it will be on a first-come-first-serve basis and is by application approval only.

If you are interested in making the right decisions in your property journey, all you have to do is click on the link around this video to apply right now and I will see you soon.

Stay safe!

👉 https://terr.sg/property-restructuring

28/02/2022

When it comes to properties in a similar location, will simply selecting the lower-priced property, put you in an advantageous position in the future?

Since history is a great teacher, let's travel back in time to 2012 and imagine that we are considering these 2 developments along Haig Road.

👉 https://terr.sg/property-restructuring

Option 1 - A 3 bedroom, 1,184 sqft unit at Dunman View that's going for $1.37mil

Option 2 – Also a 3 bedroom, 1,206 sqft unit at Katong Regency for $1.732mil

Now if you have gone for option 1, your property's valuation would have dipped from $1.37mil to $1.26mil in 2021, making a $110k loss in value.

But if you have gone for option 2, your property's valuation would have increased from $1.732mil to $2.4mil, making you a gross profit of $688k.

So why is it that 2 different developments in the same area, with similar sizes and layouts, the same amenities, transport network, town transformation as well as the same supply and demand, end up with such significantly different scenarios?

👉 https://terr.sg/property-restructuring

Hey, it's Terrence here and over the past couple of years, I've had the privilege to help more than 250 families make informed decisions in their property journey by equipping them with the latest market insights.

If you are a first-time property buyer or an existing homeowner who's committed to ensuring that you are making informed decisions in your property journey,

I would like to invite you to a free 1-to-1 consultation where I'm going to help you assess your affordability, lay out your available options and equip you with the latest market insights so that you can make informed decisions in your property journey and build your wealth prudently.

As 1-to-1 consultations are time-consuming, it will be on a first-come-first-serve basis and is by application approval only.

If you are interested in making the right decisions in your property journey, all you have to do is click on the link around this video to apply right now and I will see you soon.

Stay safe!

👉 https://terr.sg/property-restructuring

28/02/2022

Back in 2007, the Lehman Brothers’ collapse brought about one of the worst recessions in the history of Singapore.

Property prices were down by more than 36% during this period of time...

But did you know that during this same period of time, there were a handful of properties that managed to overcome the odds and continually appreciate in value?

👉 https://terr.sg/property-restructuring

One example would be this property in Serangoon. Despite the recession lasting from 2007 to 2009, prices were on an uptrend for the same period.

Another property that managed to appreciate in value despite the financial crisis is this one at Marina Bay.

Now these 2 developments shared a similar factor that made them crisis-proof. What if i told you that you can easily spot properties like this without ever looking at charts, graphs and going through numerous property reports and articles?

👉 https://terr.sg/property-restructuring

Hey, it's Terrence here and over the past couple of years, I've had the privilege to help more than 250 families make informed decisions in their property journey by equipping them with the latest market insights.

If you are a first-time property buyer or an existing homeowner who's committed to ensuring that you are making informed decisions in your property journey,

I would like to invite you to a free 1-to-1 consultation where I'm going to help you assess your affordability, lay out your available options and equip you with the latest market insights so that you can make informed decisions in your property journey and build your wealth prudently.

As 1-to-1 consultations are time-consuming, it will be on a first-come-first-serve basis and is by application approval only.

If you are interested in making the right decisions in your property journey, all you have to do is click on the link around this video to apply right now and I will see you soon.

Stay safe!

👉 https://terr.sg/property-restructuring

28/02/2022

The HDB resale price index has been rising for more than 14 consecutive months now.

The big question for most HDB homeowners who have the intention to upgrade is whether they should start selling their HDB flats right now or wait for prices to appreciate further.

👉 https://terr.sg/property-restructuring

To answer this question, let’s take a look at the HDB resale market back in 2013.

During that time, HDB resale prices reached an all-time high which sparked concerns about affordability.

In fact, there were a couple of HDB resale units that had transacted with more than $200,000 cash overvaluation.

Just a year later in 2014, the government intervened and made changes to the HDB resale process.

By only allowing buyers who have a valid OTP to request for a valuation, they successfully removed COV as a component from the price negotiations.

This caused the HDB resale price index to embark on a 6 year-long downtrend.

👉 https://terr.sg/property-restructuring

Currently, we are facing the same concerns about affordability as we were in 2013.

And the fact of the matter remains, that HDB flats are public housing and the mandate of the government is to ensure the affordability of HDB flats, not the capital appreciation or investment potential of public housing.

Because by allowing HDB flats to go beyond the reach of first-time homebuyers, it would create social issues in the future.

👉 https://terr.sg/property-restructuring

So is there a definite possibility that the government will intervene in the HDB market in the near future and how much more could HDB prices continue to increase before that happens?

The key question that most HDB upgraders should be asking instead is, will I be buying at a much higher price, while I am holding off and trying to sell my HDB at a higher price as well?

Will there still be upgrading opportunities in the market and can I still purchase undervalued properties?

What should I do to ensure I get a good property that allows me to live comfortably while safeguarding my money?

👉 https://terr.sg/property-restructuring

Hey, it's Terrence here and over the past couple of years, I've had the privilege to help more than 250 families make informed decisions in their property journey by equipping them with the latest market insights.

If you are a first-time property buyer or an existing homeowner who's committed to ensuring that you are making informed decisions in your property journey,

I would like to invite you to a free 1-to-1 consultation where I'm going to help you assess your affordability, lay out your available options and equip you with the latest market insights so that you can make informed decisions in your property journey and build your wealth prudently.

As 1-to-1 consultations are time-consuming, it will be on a first-come-first-serve basis and is by application approval only.

If you are interested in making the right decisions in your property journey, all you have to do is click on the link around this video to apply right now and I will see you soon.

Stay safe!

👉 https://terr.sg/property-restructuring

28/02/2022

With the recent land bids in Ang Mo Kio & Lentor Central going at $1,118 psf and $1,204 psf respectively, what does it mean for the prices of new homes in the future?

As most of us know, when it comes to building developments, the land is just one of the raw materials required. In addition to the land itself, we also have architectural and engineering costs, construction, interest from bank financing, legal fees, marketing cost, etc...

Adding just a mere 10% profit margin would mean that the developers would have to sell both these developments above the $2,000psf mark.

Based on the average psf prices of $1,586 for new developments today, if you are looking for a 3 bedroom unit of 1,000 sqft, you can expect to pay approximately $1,586,000.

Now, if you are looking at either of the 2 land plots above, a 1000 sqft 3 bedroom unit will easily cost you more than $2,126,000.

That’s a $540,000 difference!

👉 https://terr.sg/property-restructuring

At this moment, you will probably be thinking that $2,126,000 is too way too expensive and isn't an attractive price at all.

In order to make the prices more attractive, here's what might happen.

Developers will reduce the size of the units to make them affordable.

For example, shrinking the size of a 3 bedroom unit from 1,000 sqft to 850 sqft, thus bringing the price down to about $1,800,000 and making it more affordable and attractive.

What this means is that in future, unit sizes may very well be much smaller than what it is today.

Another option that a developer may consider, is to use lower cost materials for the finishing and landscaping.

For example, instead of using tiles and glass doors and aircon, you may just end up with concrete flooring and walls, aluminium gates and non air-conditioned lift lobbies.

What this means is that the development feels less premium and starts to feel run down quickly, and the living environment isn’t as attractive as compared to the ones built a few years before

👉 https://terr.sg/property-restructuring

Hey, it's Terrence here and over the past couple of years, I've had the privilege to help more than 250 families make informed decisions in their property journey by equipping them with the latest market insights.

If you are a first-time property buyer or an existing homeowner who's committed to ensuring that you are making informed decisions in your property journey,

I would like to invite you to a free 1-to-1 consultation where I'm going to help you assess your affordability, lay out your available options and equip you with the latest market insights so that you can make informed decisions in your property journey and build your wealth prudently.

As 1-to-1 consultations are time-consuming, it will be on a first-come-first-serve basis and is by application approval only.

If you are interested in making the right decisions in your property journey, all you have to do is click on the link around this video to apply right now and I will see you soon.

Stay safe!

👉 https://terr.sg/property-restructuring

28/02/2022

Imagine spending more than $80,000 on renovations just so you can sell off your place...

Only to realise that it doesn't help at all and that you are still stuck...

This is exactly what happened to April and her family.

Today, April and her family are proud owners of an undervalued 4-bedroom condominium unit with 6-figures potential upside in the next 3 to 5 years.

Take a look at their story and how we've helped turned their situation around in less than a month.

----------------------------

If you would like to know how you too can upgrade from your HDB flat to a Condominium without touching your savings nor having financial stress...

Click on the link below to apply for a free, no-obligation session to find out what your available options are today.

👉 https://terr.sg/property-restructuring

23/08/2021

As their family size was growing, Soniya & Praveen were looking to upgrade to a bigger property with more facilities for their loved ones to enjoy.

Knowing that this was going to be one of the biggest investments they would make in their life, they wanted a property that would not only provide them with the space they needed, but one that would also be a profitable investment that appreciates in value over time.

In this video, Soniya & Praveen shares about their exciting property journey and how they successfully upgraded to a spacious, undervalued 4-Bedroom Freehold Condominium.

----------------------------

If you are interested to find out how you can make the right decisions in your property journey...

Click on the link below to apply for a free, non-obligatory consultation and I will see you soon. Stay safe!

👉 https://terr.sg/property-restructuring

18/04/2021

"The most important thing is that we solely relied on the sales proceeds of the HDB flat. We didn't have to dive into any of our savings."

Despite the Ethnic Quota Restriction on their HDB flat, this couple managed to sell off their unit in just 2 weeks...
..and successfully upgraded to a spacious 4-room Condominium with huge potential upside that's near to amenities and within walking distance to the MRT station.

Like most Singaporeans, they were perfectly fine living in their HDB flat and did not fancy the condo living lifestyle...

But over the years, they started to realise that upgrading to a condominium is not merely about having a better lifestyle...

In this video, we talk to Mr & Mrs Kannappan to find out why they decided to upgrade to a condominium, and what were some of the challenges they faced...

----------------------------

If you would like to know how you too can upgrade from your HDB flat to a Condominium without touching your savings nor having financial stress...

Click on the link below to apply for a free, no-obligation session to find out what your available options are today.

👉 https://terr.sg/leverage-on-your-hdb

22/03/2021

𝐈𝐬 𝐈𝐭 𝐏𝐨𝐬𝐬𝐢𝐛𝐥𝐞 𝐓𝐨 𝐋𝐞𝐯𝐞𝐫𝐚𝐠𝐞 𝐎𝐧 𝐘𝐨𝐮𝐫 𝐇𝐃𝐁 𝐅𝐥𝐚𝐭 𝐓𝐨 𝐁𝐮𝐢𝐥𝐝 𝐀 𝐌𝐢𝐥𝐥𝐢𝐨𝐧 𝐃𝐨𝐥𝐥𝐚𝐫 𝐍𝐞𝐭-𝐖𝐨𝐫𝐭𝐡 𝐖𝐈𝐓𝐇𝐎𝐔𝐓 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐒𝐭𝐫𝐞𝐬𝐬?

Our property is probably the largest asset we will ever own in our entire lifetime.

But it is also undoubtedly the most overlooked asset.

Scrimping, saving, and living frugally might not mean a thing if you are neglecting your largest asset...

Take a look at this couple I've met 2 years ago, Shawn and Pauline.

They knew the importance of saving up and had been setting aside $2,000 each month into their savings account.

After 5 years, they managed to accumulate $120,000 in savings.

But at the same time, the $575,000 HDB flat they've purchased 5 years ago dipped to $456,000, making a loss of $119,000.

This amount is before we even take the CPF accrued interest and interest on loan into consideration...

After painstakingly scrimping and saving every single day for 5 long years, it wasn't even enough for them to cover the losses they made from their HDB flat...

I met up with them, reviewed their property, restructured the funds that were locked in their property, and laid out the available options for them to reinvest those funds.

Today, Shawn and Pauline are already sitting on a 6-figure profit after merely just 2 years...

👉 https://terr.sg/leverage-on-your-hdb

Hi, my name is Terrence and I’m a Property Restructuring Specialist who has helped hundreds of ordinary Singaporeans to review and restructure their property portfolio.

Perhaps you are thinking: “I only own a HDB flat, I’m not a property investor and don’t have a “portfolio” of properties to review.”

But here's the thing...

When you purchased your first property, whether it's a Condominium, a Resale flat, or even a BTO flat, you have already taken the first step into property investing.

As Singaporeans, we are required to set aside a portion of our hard-earned salary into our CPF account.

While these funds are meant for our retirement, most of us are actually using it to pay for our monthly mortgage.

With the growing concerns in recent years over HDB lease decaying issues, declining HDB resale price trend, as well as the influx of BTO flats being introduced...

Are you absolutely certain that you are investing your "retirement funds" into a property that is growing in value?

Or are you unknowingly robbing yourself of the opportunity to enjoy your retiring years?

👉 https://terr.sg/leverage-on-your-hdb

The thing is, most Singaporeans are so caught up with their day to day task trying to make ends meet, but fail to realize that they are actually neglecting their largest investment.

My mission is to educate and empower ordinary homeowners by providing them with facts and figures so that they can build their wealth systematically, without putting themselves at risk.

Your home is probably the most expensive asset you will ever own in your entire lifetime.

As such, doesn’t it make sense to ensure that your property's value is consistently growing and outpacing inflation?

If you have stayed in your HDB flat for more than 5 years, it’s time to take a good hard look at your property portfolio and analyze if there are better ways to build your wealth and assets.

I would like to invite you to a free sharing where I will reveal how you can leverage on your HDB flat to:

✅ Upgrade to a property with a higher potential upside without having to spend a single cent from your painstakingly accumulated savings...

✅ Generate a rainy day fund that will allow you to continue paying for your monthly investment for months and even years, in the event of unforeseen circumstances, so that you will continue to have a roof over your head...

✅ Own a 2nd and even a 3rd property in the near future that will pay itself off over the years without incurring the ABSD, legally...

✅ Build a million-dollar net-worth so that you can enjoy your retiring years without worrying about money...

✅ While achieving all of the above, at the same time, providing a better lifestyle for your loved ones and yourself to enjoy...

As 1-to-1 Consultations are time-consuming, it will be on a first come first serve basis and is by application-approval only. This is to ensure that I can truly provide value and assist you in your current situation.

Click on the link below to apply right now and I will see you soon. Stay safe.

👉 https://terr.sg/leverge-on-your-hdb

The Evolution of Expenses in Singapore.
22/03/2021

The Evolution of Expenses in Singapore.

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