My In-Depth Thoughts on Property Investing (Part 2) + FREE Calculator

Read Part 1 here.

In the previous post, I mentioned about the 2 main factors that one should consider with monthly cash flow with an investment property. The first was Loan Tenure, followed by Rental Rates/Yield.

The idea is to stretch your tenure to its maximum length that you can minimize your cash outflow. A big bulk of cash outflow is determined by the loan tenure and how huge your actual loan quantum is.

Here are some other factors that the typical property investor must consider before investing in real estate in terms of cash outflow. I may not be able to cover absolutely all costs, but will try to be as comprehensive as I can, especially the more obvious ones.

My In-Depth Thoughts on Property Investing (Part 1)

The basic idea of investing to me means having to use money to make more money. Although the focus of this blog has mainly touched upon stocks thus far, and would probably stay this way forever, I have recently been introduced to the concept of property investing. Yes. it was the Youtube ads that got me. The algorithm is something that I find hard to resist. Just a simple Google search will bring a dozen more that can bring me to far depths of research into a new topic for an internal debate in my mind. The daily property news that gets refreshed on my news feed that says “HDB prices hit record highs of $1.2xxM” or “Interest rates hit all-time low since 2009” recently have also been coming up more. Can you see that it is a vicious cycle? T_T.

I have to admit that I was a tad skeptical about property investing for a really, really long time. I never thought that I would even have this debate. I went digging and I even had an old blog post talking about this where I did a comparison of owning REITs versus the stock market and another one where one of my friends bought a resale HDB for 800k a few years ago. Having read through the blog post and the comments, I still stand quite strongly towards what I have said. Nothing much quite has changed, but I do feel that that blog post deserved a second look. It also made me wonder why are some people very adamant on investing in only 1 asset class.

It does seem more often than not that I would have two groups people with relatively independent thoughts here. A dark, black line is drawn between the question of whether to put your money into stocks or property.

Why not both, then?

Common Property Acronyms in Singapore That You Must Know

Having freshly graduated from the recent RES examinations, I still have all the material cramped up in my mind. Now, I am proud to call myself a fit-and-proper Real Estate Salesperson, or better known as a Real Estate Agent.

Trust me when I say that RES examinations are difficult AF. I don’t even remembering studying that hard for my degree. I even had to retake one of the papers due to lack of time and the amount of material that one has to cover can just be overwhelming. You can be searching, and searching, and searching for the answer of a question that you thought was supposed to be easy, but the end results can leave you appalled at times.

I am glad that I managed to pull through it after the retake, but my heartfelt good-lucks to anyone who is trying to pass them right now.

Anyway, I thought that I would make my blog more useful to people who are studying for the exams. Although many of the information can be found online with a little bit of searching here and there, but there isn’t really a dedicated one for the examination format. This information can also be useful not only to new and upcoming RES, but potential new buyers as well. In fact, I have received feedback from other agents that nowadays, buyers tend to be more well-informed than the agents themselves.

I highly concur, being a buyer myself, I have my own interests at heart and would know what is best for me. Besides, negotiation gets easier as well when I know what I want. It’s a sure way to avoid B.S. offers and would save yourself a hell lot of time.

Property V.S. Stocks – Which has better returns?

As a millennial living with almost every one that I know trying to keep up with the Joneses, it’s not surprising to see some of my friends spending a hell lot to get their first home. The concept is drilled into their heads that property is 99.9999% of the time the best investment that they can make in their entire lives. In fact, the price that they are willing to pay is sometimes something that my alter ego of Miss Niao will never approve of.