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Author: admin | Category: Calculateur De Pret Auto | Date: 05.11.2015

A Last month, Deborah Law wrote about buying landed properties and the restrictions that apply to foreigners.
Property Focus: Farrer Road Property Gurua€™s Cheryl Marie Tay and Yasmin Beevi explain what you can expect from living in this area. Property investment: Opportunities to get on the overseas property ladder Singapore, London or Lombok?
Neighbourhood Guide: What it's like to live by the river on upper Circle Road Considering living in the hustle and bustle, right on the water? Top tips for leasing property in Singapore: what you need to know If you're about to sign a lease on a property in Singapore - read our EL panelists advice first! Profile Pic is required, Choose Your Photo Pic or Company Logo Pic is allowed *Max 2MB filesize. This month, she outlines the purchasing process itself.The first step is to make sure your finances are in order.
Kitchen is one of the most important area of a house, the place with the the most usage for most family. Speak to a financial advisor, decide how much you want to invest, and obtain basic approval for a mortgage from a bank.


Government regulations set the maximum Loan to Value (LTV) at 80 percent, so you need to come up with the remaining 20 percent.
Leasehold (LH) property, whether on 99- or 999-year lease is generally cheaper, therefore producing a higher yield if rented out a€“ there is no difference in rental values. The prime Districts 9, 10 and 11 command the highest rents, especially if the property is near to an MRT station and has good amenities.A  LH properties may rise faster in a boom, but also fall faster in a falling market. Pay attention to the propertya€™s state of repair.A  Property sales here are not subject to the report of a structural engineer. If asked, however, sellers are legally obliged to reveal any structural issues, leaks and so on that they are aware of.Once you find a property, your agent will make some checks, such as verifying the square footage and confirming that the seller is indeed the owner. For a condo, he or she should check whether monthly maintenance fees are being well managed by a good committee, that there is an adequate a€?sinking funda€? for maintenance and renovation of the common property, and whether there are upgrading plans whose costs you may have to contribute to. If the other owners are not willing to invest in necessary maintenance and improvements, this will affect your unita€™s resale value. The sellera€™s offer is for a stated period of 14 days, allowing the buyer time to think over the intended purchase and firm up the financing.The buyer then signs the OTP, and his or her lawyer passes it to the sellera€™s lawyer, along with an Option Exercise Fee of between 4 and 9 percent.
If the buyer decides against purchasing the property, it lapses on the date of expiry and he or she forfeits the option fee to the seller.


During this period, the buyera€™s lawyer liaises with the financial institutions if necessary, and completes various legal requirements such as seeing that property taxes have been paid and checking for any road or MRT-building proposals, or fines owed to the authorities.If the property is bought with tenancy, obtain a copy of the Tenancy Agreement and Inventory List. Upon completion, any security deposit held by the seller is transferred to the buyer (the new landlord), who now receives any rental paid.
The tenant might be willing to move out earlier in return for compensation.Clarify with the seller which fixtures and fittings will be left behind. Beautiful antique wooden doors have been swapped for ordinary doors, and the same has happened to high-quality light fittings, antique fans, water features and so on. If you wish, you can include in the OTP a request for a final viewing before completion, in order to check the furniture and fittings.On completion date, the keys are handed over by the sellera€™s lawyer and all monies outstanding are settled by the buyera€™s lawyer.



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