Known for her personalized approach and deep market knowledge, June is committed to providing exceptional service and ensuring successful transactions for every client.
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Have questions about buying, selling, or investing in real estate? We’ve got the answers. Explore our FAQs to find solutions to common queries and learn more about how June Ling can assist you in your real estate journey.
Don’t worry. I’ve got you covered. Here are some commonly asked questions. If your question is not listed here, please feel free to contact June Ling directly for personalized assistance.
Yes, if you and your partner are purchasing a second property in Singapore, you will be liable to pay ABSD on the new property. The ABSD rate varies depending on your residency status. For Singapore Citizens, the rate is 17% for the second property and 25% for the third and subsequent properties. Permanent Residents will pay 25% for the second property and 30% for the third and subsequent properties. Foreigners and entities, including companies, pay 30% for any property purchase. For more specific advice, please contact June Ling for a free consultation.
Seller’s Stamp Duty (SSD) is applicable if you sell your property within the first three years of purchase. The rates are:
Determining the right price for your property involves a combination of market analysis, recent transaction data, and professional valuation. Factors to consider include the location, property type, size, condition, and unique features. Comparative Market Analysis (CMA) is often used to compare similar properties in the area that have recently been sold. Engaging a real estate professional can help you accurately assess your property’s value and set a competitive price that attracts buyers while maximizing your returns.
Engaging a real estate agent offers numerous benefits, including access to market expertise, professional negotiation skills, and comprehensive support throughout the buying or selling process. Agents can provide valuable insights into market trends, property valuations, and legal requirements, helping you make informed decisions. They also handle the paperwork, coordinate viewings, and ensure a smooth transaction, saving you time and effort. Working with a trusted real estate agent like June Ling can enhance your experience and maximize your property investment.
The Loan-to-Value (LTV) ratio is the amount of loan you can obtain as a percentage of the property’s value. For example, if the LTV ratio is 75%, you can borrow up to 75% of the property’s value, with the remaining 25% paid as a downpayment. The LTV ratio depends on factors such as the type of property, loan tenure, and your financial profile. Current regulations cap the LTV ratio at 75% for bank loans and up to 90% for HDB loans for first-time buyers. It’s important to check with your bank or financial institution for the exact LTV ratio applicable to your situation.
The Mortgage Servicing Ratio (MSR) is the portion of your gross monthly income that goes towards servicing your mortgage. In Singapore, the MSR is capped at 30% for HDB loans and executive condominiums purchased directly from developers. This means your monthly mortgage payments cannot exceed 30% of your gross monthly income.
Property cooling measures are implemented by the government to moderate property prices and ensure sustainable market growth. These measures include Additional Buyer’s Stamp Duty (ABSD), Total Debt Servicing Ratio (TDSR), and Loan-to-Value (LTV) limits. For buyers, these measures may affect affordability and financing options. For sellers, they can influence market demand and pricing strategies. Staying informed about current cooling measures and consulting with a real estate professional can help you navigate the market effectively.
Maximizing the resale value of your property involves strategic upgrades, staging, and marketing. Focus on improvements that enhance the property’s appeal, such as modernizing the kitchen and bathrooms, improving curb appeal, and ensuring the property is well-maintained. Professional staging can make a significant difference in attracting buyers. Additionally, effective marketing through professional photography, virtual tours, and listing on popular property portals can help reach a wider audience.
The Singapore property market is dynamic and influenced by various factors, including government policies, economic conditions, and market demand. Currently, there is strong demand for private residential properties, with prices generally on the rise due to limited supply and high demand. The HDB resale market has also seen robust activity, with increasing prices and transaction volumes.
We take the time to understand your unique needs and tailor our services accordingly. Our personalized approach ensures you receive the attention and support you deserve.
With years of experience in the real estate market, we provide expert insights and guidance. Our deep understanding of market trends helps you make informed decisions.
Our success stories and satisfied clients speak for themselves. We have a proven track record of achieving excellent results in buying, selling, and investing in properties.
We negotiate on your behalf to secure the best possible terms. Our skilled negotiators are committed to maximizing your benefits in every transaction.
From the initial consultation to post-sale support, we are with you every step of the way. Our comprehensive services ensure a smooth and stress-free experience.
Our clients’ positive feedback and testimonials are a testament to our dedication and excellence. We build long-lasting relationships based on trust and satisfaction.
Known for her personalized approach and deep market knowledge, June is committed to providing exceptional service and ensuring successful transactions for every client.
© Copyright 2025 June Ling. Website created by Creatif.work