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5 Things to Consider in Buying a Property for Home or for Investment

Written by Dennis Ng on .

18 Mar 2010 - Below is an article I wrote which was published in My Paper on 17 March 2010 "5 things to consider in Buying a Property for Home Purchase or for Investment". The article was also featured in omy.sg:  http://news.omy.sg/News/Finance/Story/OMYStory201003170405-136247.html

 

买房自用或投资 有5大考虑因素

有读者问:“买房地产投资与自用,有任何不同?”

其实,买房地产自用与投资因为目的不同,考虑的因素也的确大不相同。
考虑1: 房子的地点
如果你买房子自用,选择地点的主要考虑点包括那里交通是否方便,是否离你工作地点很远。
考虑将来的发展潜能
如果你有孩子,也要考虑地点是否靠近孩子的学校。一些人为了能够让孩子有优先权进入名校,不惜以高价买靠近一些著名小学的房子。也有人以靠近父母的住家为主要的考虑点。

What to look out for before Investing into stocks?

Written by Dennis Ng on .

Other than analysing the company before he decides whether to invest in the stock, what else does Dennis Ng, founder of www.HousingLoanSG.com who made his first million through investing look at? What do forest and trees have to do with stock investing?

All these and more, Dennis Ng shares with Channel News Asia on a program entitled "What's your position?" Here is the interview.

4 Things You Might Overlook in Property Purchase

Written by Dennis Ng on .

Below article "4 Things You Might Overlook in Property Purchase" was written by Dennis Ng, (吴加万), founder of www.HousingLoanSG.com which was published on 3 March 2010 in My Paper.

http://news.omy.sg/News/Finance/Story/OMYStory201003030407-132310/2.html

Selection of articles written by Dennis Ng on omy.sg website:  http://news.omy.sg/News/author/%E5%90%B4%E5%8A%A0%E4%B8%87.html

 

买房子可能忽略的4大事项

 

买房子是一件重大的财务决定,要做好财务计算才购买,别仓促作决定。(图/档案照)

 

最近几个月,本地房地产市场一片火热,例如西海岸(West Coast)的房价从$600 psf 涨到$900 psf,涨幅达50%。很多人迫不急待地一窝蜂地买房子,但他们在买房子的时候可能忽略了一些事项。今天,我将与你分享这些事项,好让你在买房前,有一个清楚的概念。

注意事项1: 房产印花税
当你买房子的时候,需要付大约2%至2.9%的印花税(stamp duty),视房价而定。印花税需先用现金支付,若你的公积金普通户口有足够存款,过后可用公积金偿还(reimburse)。这是一笔可观的数目,一些人误以为可以先用公积金付款,而临时因现金不足搞得手忙脚乱。