Recent content by SmallPlan

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    Defining the scope of a Hong Kong mortgage broker for a retail unit

    Before appointing anyone, send one realistic question with a deadline and see whether the response is complete. That doesn’t prove how the whole transaction will run, but it reveals whether the firm acknowledges urgency, answers the actual question and identifies information it still needs.
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    How should I compare this 7.27% Hong Kong mortgage quote?

    The immediate risk is choosing a cheap-looking rate that becomes expensive when you move or refinance. I would model one realistic exit date and the full 30 years, using the same loan amount and repayment basis for every quote. Include interest, arrangement charges, compulsory costs and any...
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    Conveyancing software: what survived the trial

    Listing imports are the clearest candidate for measurable savings, but only when fields map properly and later changes flow through. An import that creates a partial record just moves the retyping downstream. How is the commute-time data meant to be used? If it only appears on a separate...
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    Are buyers negotiating more after 28 days for Singapore detached homes?

    A useful comparison table could stay simple: neighbourhood, original ask, latest ask, days advertised, condition, withdrawn or relisted, completed price, and whether financing affected the offer. Even a small set would expose whether discounts cluster around particular conditions instead of...
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    Seoul studio: raise the rent or prioritise a reliable tenant?

    I would not jump straight to ₩5,584,000. Asking rent is not necessarily achieved rent, and the gap is ₩1,123,000 per rental period. Work out how many periods of that difference would be lost through even a short vacancy, preparation work and finding another tenant. A reliable payer has...
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