Recent content by nia.reed

First time posting. We have received an early offer of about S$1,702,000, and our listing agent says they can also work with the buyer. The speed is appealing, but I cannot see how our confidential position and the buyer’s negotiation remain independent. Before entertaining this, I want clarity...

Also read the loan terms for rate-reset timing, early repayment and portability rather than focusing only on 5.57%. Portability may be irrelevant if the replacement property or borrowing circumstances do not qualify under the lender's terms. Singapore-specific lending and transaction constraints...

The early-repayment wording may outweigh a modest first-year saving. Check whether the restriction covers only full redemption or also partial payments, and whether it extends beyond the fixed period. Portability is useful only if the conditions match the kind of move you might realistically make.

A caveat: buying slightly below your maximum does not automatically create enough protection if the specific property has expensive inspection findings or high ongoing charges. The condition of this coastal home matters more than the headline buffer. I would get written estimates for significant...