Kamal Real Estate

Kamal Real Estate Buying, Selling, Renting and Investment

Happy Wife Appreciation Day ❤️Today is a little reminder to appreciate the woman who stands by your side through the bus...
15/09/2026

Happy Wife Appreciation Day ❤️

Today is a little reminder to appreciate the woman who stands by your side through the busy days, difficult moments, small wins, and everything in between.

Thank you for the love, patience, support, and all the little things that often go unnoticed.

To all the amazing wives, you are appreciated more than words can say.

09/09/2026

Why might it be better to sell an inherited property first when beneficiaries cannot agree?

When there is a dispute between beneficiaries, keeping the property for too long can create additional costs such as property tax, utilities, maintenance, and other holding expenses.

In some cases, selling the inherited property first may help simplify the situation. The sale proceeds can be held by the appointed law firm while the beneficiaries work through the dispute, and the money can be distributed once everything is resolved.

The important thing is to handle the sale properly, appoint the right lawyer, and make sure all beneficiaries understand the process.

Watch this video to understand why selling first can sometimes help reduce complications in an inherited property dispute.

07/09/2026

Should you pay your housing loan with cash or CPF?

Your HDB or bank loan amount is mainly based on your income and loan eligibility, not simply on how much CPF you have. CPF OA is one option you can use to help with your monthly mortgage payments.

Some homeowners choose to pay part of their mortgage in cash while keeping CPF as a backup. This can give you more flexibility if your income changes, you are retrenched, or you need to preserve more cash for other priorities.

The key is to understand your cash flow, CPF OA balance, monthly mortgage, and long-term financial plan before deciding how you want to pay for your home.

Watch this video to understand how cash and CPF can work together when paying your housing loan in Singapore.

Can a couple earning S$3,000 combined still afford an HDB?Yes, possibly, but income alone does not determine what you ca...
04/09/2026

Can a couple earning S$3,000 combined still afford an HDB?

Yes, possibly, but income alone does not determine what you can buy.

An eligible first-timer family with an average household income of S$3,000 may receive up to S$95,000 in Enhanced CPF Housing Grant.

If the couple buys a 2- to 4-room resale flat and meets the relevant conditions, they may also qualify for:

• Up to S$80,000 CPF Housing Grant
• S$20,000 PHG when living near parents or children
• S$30,000 PHG when living with them

That is how a conditional resale-grant example may reach up to S$195,000 when living near parents.

But grants are only one part of the calculation. Your HFE result, CPF balance, existing commitments, flat price, remaining lease and cash requirements still determine what is genuinely affordable.

Do not rule yourself out—and do not commit based only on the maximum grant figure.

Not sure how the numbers work for you? Call or DM me for a personalised discussion.

📞 9422 8000

Individual eligibility, grant amounts and financing outcomes depend on the household’s circumstances and prevailing policies.

Happy Teacher’s Day to all the amazing teachers who continue to guide, inspire, and shape the next generation. 📚✨Your pa...
04/09/2026

Happy Teacher’s Day to all the amazing teachers who continue to guide, inspire, and shape the next generation. 📚✨

Your patience, dedication, and encouragement make a lasting difference in every student’s journey.

Thank you for everything you do.

03/09/2026

Can a beneficiary buy over a deceased parent’s HDB flat in Singapore?

Yes, it may be possible, but the buyer still needs to meet the usual affordability and eligibility requirements, including having enough CPF, loan capacity, and available funds to complete the purchase.

One important point: if the beneficiary is entitled to a share of the estate, that share is usually received after the transaction is completed. It does not simply reduce the purchase price upfront.

For example, if the flat is valued at $400,000 and your inheritance share is $100,000, you may still need to qualify and finance the full purchase first before receiving your estate share later.

Watch this video to understand what beneficiaries should check before buying over a deceased parent’s HDB flat.

02/09/2026

Have you made your CPF nomination yet?

A CPF nomination helps ensure your CPF savings go directly to the people you choose, such as your spouse or children, if anything happens to you.

Without a nomination, your loved ones may need to go through the Public Trustee process before the money is distributed. Making a nomination can help make things simpler and less stressful for your family.

The process is straightforward through the CPF website, and you will need two witnesses to complete it.

Watch this video to understand why CPF nomination is an important part of planning for your family and future.

31/08/2026

What is a Voluntary Housing Refund, and should Singapore homeowners consider doing it?

It is not compulsory, but for homeowners who have fully paid their mortgage, have enough CPF, or want to strengthen their retirement position, it may be worth considering.

A Voluntary Housing Refund allows you to return CPF used for housing back into your own OA. This can help reduce future accrued interest and improve your CPF position over time.

You can do it as a lump sum or gradually, almost like a monthly savings habit. The money is not paid to anyone else — it goes back into your own CPF account.

This may be especially useful for homeowners who want to reduce accrued interest, build up more CPF for retirement, or improve their future cash proceeds when selling the property.

Watch this video to understand how Voluntary Housing Refund works and whether it makes sense for your situation.

Can a young buyer still buy an older HDB flat?Yes, but don’t look at the selling price alone.One important calculation i...
28/08/2026

Can a young buyer still buy an older HDB flat?

Yes, but don’t look at the selling price alone.

One important calculation is whether the remaining lease can cover the youngest buyer until age 95.

If it does not, you may still be able to purchase the flat, but the amount of CPF OA you can use, your HDB housing-loan limit and your Enhanced CPF Housing Grant may be pro-rated.

This could mean needing more cash to complete the purchase. In one case I handled, a young single buyer found an older flat in Ang Mo Kio. The financing was workable and the property was affordable, but after considering her age and the flat’s remaining lease, she needed almost $6,000 in cash.

Before committing to an older flat, calculate:

• The youngest buyer’s age
• The flat’s remaining lease
• How much CPF you can use
• Your housing-loan and grant eligibility
• The cash required upfront
• Your monthly mortgage commitment

Don’t assume you cannot buy an older HDB flat. Calculate first and understand the numbers before committing. Not sure how the numbers work for you? Call or DM me for a personalised discussion.
📞 9422 8000

26/08/2026

Thought you would make a $70,000 profit from selling your HDB, but ended up with less than $5,000 cash?

This can happen when homeowners look only at the selling price and outstanding loan, but forget to include CPF refund, accrued interest, and any property pledge amount that may need to be returned to CPF.

In one recent case, the expected cash profit looked like around $60,000–$70,000. But after calculating the total CPF refund for both owners and the pledged amount, the actual cash proceeds were only around $3,000–$4,000.

That is why before selling your HDB in Singapore, it is important to calculate your true cash proceeds, not just the difference between your selling price and loan balance.

Watch this video to understand what homeowners should check before selling their HDB.

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