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6 Things You Need to Do When Viewing a Property

Deciding on the perfect home to buy takes work. One way you can gather first-hand intel about a property you’re interested in is during a viewing. When done right, home viewings are more than just walking from room to room and testing the switches. A well-conducted viewing is one where you know exactly what to look out for and the right questions to ask, saving you from unknowingly purchasing a high-maintenance home.

Here’s what you need to know before saying yes to the unit.

1. Look out for signs of water leakage

The signs of water leakage may not be as blatant as a dripping ceiling. Keep your eyes peeled for water stains forming on the ceiling, dampness in the ceiling/ wall (particularly when it’s adjoining to a bathroom), water crystallization on the pipes or ceiling area that are tell-tale signs of potential water leakage.

2. Spot paint stains or graffiti on the main door or gate

An issue that no professional handyman can easily fix, buying a home only to later discover that it is targeted by loan sharks can be incredibly distressing for you and your family. That is why viewings are essential for preventing this from happening. Keep a sharp eye on the gate and door as paint stains or graffiti can be an indication that nefarious loan shark activities had occurred. If you spot red splotches of paint, run for the door.

3. Ask about out the age of the renovation

It is important to know the age of the renovation so be sure to ask the homeowner during the viewing. If it’s been more than 7 years since they’ve renovated the unit, it may require significant sprucing up or maintenance depending on the state of the furnishings/carpentry once the unit is yours. A good place to start is the flooring. Look out for any scratches, cracks, bumps, damp spots, or uneven tiles. This could mean additional renovation work to replace the flooring if there are significant signs of wear-and-tear.

4. Determine the age of the electrical system

6-things-you-need-do-when-viewing-property-determine-the-age-of-the-electrical-system

For older units that are more than 20 years old, be sure to look out for faulty wiring issues that tend to be prevalent in mature flats. Keep a closer look at the power outlets and other electrical fittings in the flat for any indication of faulty wiring or aging electrical system such as plug points that are blackened or loose. If these issues are overlooked, you may find yourself footing a hefty bill of $1,000 for the full electrical rewiring of the whole flat.

5. Survey for potential neighbour issues

No one wants to be stuck with a troubled neighbour. Be sure to suss out any potential neighbour issues by talking to the homeowners of the surrounding units and striking up a conversation with them about the unit you’re interested in. You may also ask them if there’s anything you may need to know before going forward with the sale if they’re feeling chatty.

6. Ask about the number of times the home was put on the market

Find out how long the seller has been staying in the unit. If there seems to be a recurring pattern whereby the property constantly changed hands after reaching the Minimum Occupation Period (MOP), it could be an indicator that something’s wrong with the unit or its neighbours. In comparison, no one would bat an eye at homeowners who have stayed at their home for 15 years before deciding that it’s about time they move elsewhere.

Pro tip: Once you’ve got your heart set on a particular unit, be sure to visit it more than once. This allows you to experience the unit in different circumstances and states, painting you a more accurate picture of what it will be like to stay there.

As always, knowing what to look out for will save you plenty of stress in the future. Buying a new property is often the biggest transaction we’ll make in our lives. It is of utmost importance that your dream home is one that matches up in the real world as well. Happily ever after comes with making a well-informed decision. All the best!

Looking for an HDB or private property?

Let Ohmyhome’s smart data-matching technology MATCH you with the right home, according to your specific needs. Submit your preferences to us and our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match. We’ll also send you relevant content that you can use for your research and inform your home buying decision, so you no longer have to spend hours searching online for the information that you need. Because at Ohmyhome, we’re always by your side, always on your side.

The Best Kept Secret – Why Ohmyhome Is the Smarter Way to Sell Your Property

The world is your oyster with the Internet. Anything you want to do, you pretty much can. You can just as easily find tutorials on how to repair your broken PS5 controller as you can sell your home online. No property agents needed.

But here’s the thing, selling a home is not that easy. It’s quite a complicated process. We listed down all the steps here for you to DIY in case it’s the route you really want to follow, but selling a HDB, for example, is a 14-step process that’s making even our heads spin. If you’re busy at work and with your family, you may not have time to spare to really study the steps, let alone enact them on your own. 

That and, finding a buyer who has the budget to buy your home is not that easy, especially when the market is hot and you’re looking to sell your home above valuation.

So yes, though you can technically handle your own property transaction on your own, having a property agent on your side takes a lot of the pressure off. And if they’re an Ohmyhome Super Agent, they can do so much more. Here’s what we mean. 

When you get a property agent from Ohmyhome, you get one of the best in the industry

When dealing with one of the biggest, most personal assets in your life — your home — it would be in your best interest to choose the more experienced property agent to represent you in your transactions. You’d want to choose an agent who’s found much success in selling homes, as you would want him/her to sell your home successfully too. 

At Ohmyhome, all our property agents have more than 4 years of experience, with an average of 60-70 transactions per year. That’s a huge multiple more than the industry average, which is only about 3-4 transactions an agent per year. 

A property agent from Ohmyhome also:

  • Specialises in selling homes in your area. If you live in, say, Punggol, you can be confident that we’ll have an agent who’s highly experienced in selling HDBs in that area. (This is how you can check their transaction record on CEA.) We’ll also assign you that agent so he/she would know how to market your home in a way that appeals to that area and get you the optimal price for it.
  • Offers various marketing strategies that go beyond the distribution of flyers, digital ads, and property listings. Good real estate agents understand how to work lighting, furniture and photography to generate aesthetically pleasing home stagings that draw in eyeballs and clicks.
  • Taps onto their professional network of contacts built up over the course of their career to ensure that your home listing gets the maximum amount of exposure that’s possible.
  • Actively represents you in any dealings with potential property buyers, from coordinating and scheduling home visits to negotiating on your behalf.
  • Filters out quality leads to ensure that you only spend your time with serious buyers. As professionals, they will be able to process a higher volume of inquiries. and analyse your home and upsell specific components to ensure that you get a favourable price for your sale.

You can also switch to another Ohmyhome property agent, no questions asked

While other agencies may require you to stick to a property agent until your transaction is completed, we understand that selling your home is a big, personal decision. 

Therefore, we provide you with the flexibility to switch with any of our property agents until you find one that you can personally vibe with and feel comfortable entrusting your home transaction to. 

We want not only the top agent for you, but the right one.

Ohmyhome’s property agent fees are only 1% + GST

We also offer the lowest agent fee in the market, at only 1% of the property sale price, much lower than the usual 2-3%, sometimes even 4% for luxury properties. The fee is also fixed, meaning we won’t ask for a higher fee if the property is harder to sell.

And while some agents may ask for an upfront fee or deposit before successfully selling your home, at Ohmyhome, we will only collect agent fees until after the Completion Appointment. 

Of course, this is also assuming that the home was sold within a 3-month exclusive period. (This is when you can’t engage other property agents to market your home.) 

If we don’t sell your home within those 3 months, you won’t have to pay us a single cent. 

And you get the support of the whole company

We don’t scrimp on the support we give you either. That’s why you’ll also get access to a whole team of professionals from Ohmyhome.

Aside from your property agent, you’ll also get 5 Relationship Managers, 11 Marketers, 24 Tech & Web Experts to help sell your home. 

Our Relationship Managers are always ready to answer any of your questions and will respond in less than a minute. You can reach them anytime from 9 am to 9 pm every day.

Guaranteed paid marketing for your listing

Meanwhile, our marketing gurus are tasked with advertising your home listing on the Ohmyhome property portal and mobile app, which is used by over 175,000 users each month, and on other portals such as PropertyGuru and 99.co. 

Your listing will be boosted daily to boost its exposure and get you numerous genuine inquiries from serious buyers, thereby increasing demand and driving up the sale price of your property. 

Free home valuation report that’s more accurate than the rest of the industry

And of course, our tech and web experts will also be all hands on deck to help you understand the value of your home and provide you with market insights. 

Upon meeting your Ohmyhome Super Agent, you will receive a property market report with your home valuation. Though you can also find out what it is prior to the meeting right here

With our advanced prediction model, our home valuation estimate’s median error is as low as 3% — one of the highest accuracy estimates in the industry. We use trusted private and public sources, and continuously train our e-Valuation technology so that it always reflects the latest price trends in the market. Keeping you and your home valuation updated.

In the report, you’ll also see the past transactions and price trends in your area so you can have a better idea of how to price your home appropriately.

All-in-one property services: from cleaning to renovation

Not only that, you’ll also get a whole gamut of property-related services you might need in your journey to sell your home. If you need to renovate your new home after we’ve helped you sell your current place, you can also engage us for that. We’ve got Interior Designers, Project Managers, and top-notch contractors that follow a high standard for quality work. So you can trust that we’ll meet your timeline, your budget, and your expectations for your dream home.

We can also take care of your mortgage and legal conveyancing, as well as your aircon servicing, cleaning, and even home contents insurance, which will protect your personal belongings in the event of a fire or other unexpected perils. Find out what our insurance covers and how you can sign up to get your own home contents insurance plan here.

To find out what you can expect from our property agents from your first meeting up to the completion appointment, you can check these out:

Get advice and hire a professional property agent from Ohmyhome!

We have tried, tested, and trusted agents to help you out. Even if it’s for a chat to understand what your possible options are, contact us for a free consultation via any of the contact options below or by filling in your contact details below. 8,000 families only have good things to say regarding the knowledge, experience, and professionalism of our licensed agents, and we’re sure you’ll have the same positive and satisfying experience. 

3 Important Lessons We Learned From the Women in House of the Dragon

We’re five episodes into the Game of Thrones spinoff House of the Dragon and it’s glorious. Not just for the fire-breathing dragons and sword-clashing fights, but also for the strong, powerful women at the heart of the show. Particularly, Princess Rhaenyra Targaryen and Queen Alicent Hightower. (This show’s Daenerys and Cersei, mayhaps?)

These female characters play a central role in the show — a conscious decision that the showrunners made in their journey to bringing this generation’s much-beloved fantasy franchise back onscreen. 

Both Rhaenerya and Alicent are at the forefront of the story, during the height of the Targaryen dynasty’s rule in Westeros, and are major game changers in the war that’s about to ensue in the following episodes. 

Now, you might be wondering why we’re talking about this at all.

Well, although buying a home is nowhere near as life-altering as the bloody battles in House of the Dragon, it is just as monumental. 

Property decisions are often triggered by major life events. You sell a home and buy a bigger one to accommodate your growing family. Or you just got married and are looking for your marital home. Or your kids just flew the nest and now you’re thinking of right-sizing. 

Whatever the case, these are big changes that will affect you. But from what we’ve shared in this article, not enough women in real life are taking charge of long-term financial planning decisions, deferring to the men in their lives instead. 

And something has to change. 

So today, we’re looking at the strong, powerful females in House of the Dragon and what they can teach us about the important role women play when making property decisions.

If you haven’t started the series yet, be warned. Spoilers ahead!

Know and leverage your value

Remember when Prince Daemon stole a dragon egg from House Targaryen and Rhaenyra went toe to toe with him to get it back (against the wishes of her father, the King) knowing that he wouldn’t hurt her? Yeah, no one in the Small Council saw that coming. 

House of the dragon

But if she didn’t follow her instincts to prove her mettle and trust her intuition that her uncle loves her enough not to slay her, as she demanded him to do so they could “be done will all this bother”, then the Targaryen civil war would have happened much earlier than it’s supposed to.

Be like Rhaenyra and follow your instincts when choosing the next home for you and your family. 

While men look at the hard numbers, you will know best what the family’s lifestyle needs are. And that’s incredibly important to consider, especially for a place you’re going to be spending most of your savings on. 

When I spoke to a Singaporean mum with three kids who owned a HDB and oversaw her home renovation, she gave me a key insight into women’s considerations when choosing a home for the family: 

Women won’t just think about whether the property will be a good investment overall, but also if it’s suitable for the family. They’ll compare if one unit is more suitable for raising kids than another unit. If the home is childproofed or if there are good schools nearby. If there’s a playground for them to play in after school or during the weekends. If the unit layout will work for each family member’s idiosyncrasies. 

They’ll also look at the aesthetics of the home and if it fits their social status, ensuring that the property is not only suitable for them to live in or to raise their children in, but also that it fits into their lifestyle and image in society. 

When you take ownership of the value that you provide, you can leverage that and exude confidence when it’s time to make property decisions with your partner. 

Rise to the challenge

Episode 5 of House of the Dragon had everyone’s jaws dropping as Alicent confidently strode into Rhaenyra’s prenuptial celebrations, halting the King’s speech, while wearing the House of Hightowers’ Green instead of the Targaryens’ Black — a sartorial statement akin to an act of war. 

Women in house of the dragon

This power play comes after she learned of Rhaenyra’s betrayal which got her father removed from his position as Hand of the King and left her on her own to navigate messy court politics. 

But nothing worthwhile comes easy — not when it involves securing the Iron Throne or the best home for your family. 

Studies show that while parents make decisions together, it is the mothers who do the legwork in the decision-making process. They do more of the planning and research, like anticipating needs, identifying options, deciding among those options, and then monitoring the results.

So don’t back down from the challenge of getting your finances in order, saving up for your dream home, or finding the best agent to represent you in your property transaction. Instead, get your feet wet and take charge of what needs to be done. If you don’t know where to start, you can read our homebuyer’s guide for HDBs and condos.

Forge your own path

In the fantasy world of House of the Dragon, the men get to be rulers of the realm while the women are relegated to child-bearing and child-rearing. While Alicent is Queen and Rhaenyra is Heir to the Throne, their positions are still in contention among the lords of the realm. 

Image Source: Screen Rant

That said, the two female characters are definitely fighting against the traditional expectations that have held other women back in Westeros from leading. Whether it’s as physical and obvious as Rhaenyra challenging her uncle in Dragonstone or as subtle as Alicent wearing a green gown.

Obviously, this is not the case in the real world, at least not anymore. But certain pressures can make it seem like it is, whether it’s external (property agents deferring to your husband about property decisions) or internal (your own perceptions about your experience and knowledge in property, or lack thereof). 

Don’t allow these misconceptions to colour your ideas about your worth, or make you blindly follow the path most travelled by your friends, family, or other couples you see on social media that are on the same homebuying journey as you. 

You know your family’s needs, so don’t let what has already been done stop you from finding new and creative ways to reach your property goals. Because there’s no one-size-fits-all solution when it comes to finding the home of your dreams, and it takes a real understanding of your current situation to make sure those dreams become reality.

A great way to start is by engaging a property agent who will always be by your side and on your side in the transaction process.

An agent who will prioritise your needs and has the track record of making it happen for his/her clients. 

At Ohmyhome, that’s exactly what you get. 

Get advice and hire a professional

We have tried, tested, and trusted agents to help you out. Even if it’s for a chat to understand what your possible options are, contact us for a free consultation via any of the contact options below or by filling in your contact details below. 8,000 families only have good things to say regarding the knowledge, experience, and professionalism of our licensed agents.

May the fire and blood of dragons be ever in your favour. 

Catfished After Swiping Right on a Rental Unit?

It sucks being catfished — in dating and renting a home. You find what seems like your perfect match on a property portal: a roomy 2-bedroom unit that’s fully furnished with eclectic furniture, gorgeous carpets, and state-of-the-art appliances. And then it turns out to be a cramped dual-key unit with chairs stolen from the coffee shop downstairs. It does make taking precious time to view properties a potentially horrible experience.

While this is hard to avoid fully, it helps when you come prepared for the units that are less obvious on the surface. You may be surprised that it looks like how it was presented in the photos, but you’d want to spot more than just dirt swept under the carpet. You’d want to find any malice hiding in the nooks and crannies,

So here are some useful tips you can use when viewing a unit that’ll make you look like you do this day in and day out.

Schedule your viewing on the weekend and arrive 30 minutes early.

This is the time for you to do some surveying. Listen for any noise that may become aggravating when you’re finally living in the unit, like if it’s facing the playground and you can hear the high-pitched squeals of little kids chasing each other or the shouts of rowdy teens playing soccer on the field at all hours of the day.

You should also look out for the feel of the breeze, or lack thereof, and have a walk around the neighbourhood. Many listings would state that it’s only minutes away from the MRT, and this is the time for you to verify that. Today, Google maps can do a lot of the legwork in figuring this out, but it’s always best to find your own pace and see how long you take to reach certain landmarks in the area.

Catfished renting home image

Once you’re inside, take your time.

It can be fishy whenever the landlord’s agents or the landlord themselves try and rush you when conducting your viewing. Print out a checklist or have it ready on a tablet when you start your viewing.

Here are some quick tips (but do ask for permission before you proceed):

1. Switch all the lights on and off (both to check if they’re in working condition and how much natural light there is)

2. Open the windows (feel if there’s a breeze and listen to how sound-proof they are)

3. Look for all the electrical outlets (you want ample in key areas especially in areas you may set up a working area or additional appliances)

4. Ask questions!

a.  How old are the renovations?

b.  How many previous tenants stayed here and for how long?

c.  Is the landlord planning to sell the place in the future?

d.  Who are your potential neighbours?

Also, you should prepare a Letter Of Intent and 1 or 2 month’s rent for a Good Faith Deposit (this is different to a security deposit) to “chope” your unit so you can start the negotiation process while fending off other potential tenants.

If you need a guide on how to get started on renting a home, click here. If you’re already looking, we recommend trying out our MATCH service launched earlier this year.

Let Ohmyhome’s smart data-matching technology MATCH you with the right home, according to your specific needs. Submit your preferences to us and our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match. We’ll also send you relevant content that you can use for your research and inform your home buying decision, so you no longer have to spend hours searching online for the information that you need. Because at Ohmyhome, we’re always by your side, always on your side.

Secure an appointment with any of our Super Agents by dropping us a message in the chatbox at the bottom, right-hand corner of the screen or via any of the contact options below.

Print out our Viewing Checklist or have it ready on a tablet when you start your viewing!

Feel free to download it for your personal usage.

Debunking the Myths About Mature vs Non-mature Estates

According to HDB’s classification in their BTO (Built to Order) and SBF (Sale of Balance Flats) exercises, these are the mature vs non-mature estates in Singapore:

Mature Estates:

  • Ang Mo Kio
  • Bedok
  • Bishan
  • Bukit Merah
  • Bukit Timah
  • Central
  • Clementi
  • Geylang
  • Kallang/Whampoa
  • Marine Parade
  • Pasir Ris
  • Queenstown
  • Serangoon
  • Tampines
  • Toa Payoh

Non-mature Estates:

  • Bukit Batok
  • Bukit Panjang
  • Choa Chu Kang
  • Hougang
  • Jurong East
  • Jurong West
  • Punggol
  • Sembawang
  • Sengkang
  • Tengah
  • Woodlands
  • Yishun

Now that we have identified the mature vs non-mature estates, let’s talk about the commonly held myths about both types of towns.

1. Connectivity

There is a common misconception that mature estates tend to be more centralised, or located nearer to the city, while non-mature estates are in far-flung areas with poor amenities and inconvenient transport systems in place.

However, this myth can be easily debunked if you compare the distance of mature estates, like Tampines, to the city, which is approximately 15km, with non-mature estates like Hougang, Bukit Panjang or Yishun, which are about the same distance away from the city — or arguably nearer.

2. Age

Another inaccurate definition of mature estates is that they are all older than 20 years. However, towns like Yishun and Jurong with flats that are clearly more than 30 years old are still classed as non-mature while “younger” areas like Pasir Ris are categorised as mature estates. 

Then there are the truly paradoxical places like the brand-new Bidadari estate, nestled within the mature and very sought-after town of Toa Payoh, which marks it as a mature estate despite being fresh out of the oven. This is very telling that the “age” of an estate is hardly an accurate indicator of its “mature” or “non-mature” classification.

3. Amenities and accessibility

There is also the baffling myth that mature estates have better amenities and accessibility than non-mature ones. However, a glance at non-mature estates like Punggol, Sengkang and Woodlands will reveal a well-connected transport system with bus routes, MRT stations, and a plethora of amenities, including malls, parks, and new housing concepts that embrace smart and sustainable designs. 

Hougang, despite being a non-mature estate, is known to be in close proximity to a large number of prestigious schools. The accessibility and surfeit of amenities in these non-mature estates are comparable to that of the mature ones like Tampines, Ang Mo Kio, or even Toa Payoh. 

There are also non-mature towns like Woodlands with five MRT stations across two lines, compared to mature estates like Clementi with only one current MRT station.

4. Price

Contrary to popular belief, flats in non-mature estates are not necessarily cheaper. It is usually the age and size of the flat that determines its price tag.

A quick search on property listing portals will show you that non-mature estate Punggol has 4-room flats going for as high as over $700,000 while 4-room flats in mature towns like Bedok can average about $400,000 to $600,000. 

Younger flats mean many more years on the remaining lease, as well as much fresher interior design and much better resale conditions. It is no wonder some non-mature estates are commanding higher prices than their mature counterparts. 

Are the myths about mature and non-mature estates true or false?

QualitiesMatureNon-MatureTrue or False?
Amenities Believed to be in abundanceBelieved to be scarceUntrue
Distance to cityBelieved to be nearerBelieved to be furtherNot necessarily true
PriceBelieved to be higherBelieved to be lowerNot necessarily true; price usually depends on the size and remaining lease of the property
Resale valueBelieved to be higher for short-term gainsBelieved to be better in the long runTrue
Accessibility Believed to be well-connected and convenientBelieved to have in-progress transport systems or scarce optionsUntrue
SurroundingsTends to be noisier and higher population densityMore tranquil with intended developments like parks, greenery, eco-townsTrue

With some of the myths debunked, which would you go for: a mature or non-mature estate?

For those aiming to get BTO flat in a mature estate, you have to fit the below two criteria:

1. You cannot be single

Even upon turning 35, singles cannot purchase a BTO flat on their own in a mature estate. Their best bet on getting a BTO is a 2-room flat in non-mature estates. There is no such restriction for resale flats for singles aged 35 and above.

2. You have to form a family nucleus for a better advantage in landing a BTO within a mature estate

Families applying under the Parenthood Priority Scheme (PPS), Married Child Priority Scheme (MCPS) or simply just applying for a BTO flat will stand a larger chance of getting BTO flats in mature estates as there are a higher number of them set aside for this demographic. 

When choosing a home, we recommend buyers to focus on the more important aspects of the property, such as the remaining lease, the conditions of the unit, and the available amenities in their immediate surroundings. 

Non-mature estates are also fast evolving. The Business Times has reported that the price gap between mature and non-mature estates has and will continue to shrink in coming years as buyers avoid decaying leases while younger estates are transforming into mini-hubs with an abundance of amenities, enhanced accessibility, and modern conveniences.

Looking for a place in a particular estate but can’t find a match? 

Let Ohmyhome’s smart data-matching technology MATCH you with the right home, according to your specific needs. Submit your preferences to us and our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match. We’ll also send you relevant content that you can use for your research and inform your home buying decision, so you no longer have to spend hours searching online for the information that you need. Because at Ohmyhome, we’re always by your side, always on your side.

Secure an appointment with any of our Super Agents by dropping us a message in the chatbox at the bottom, right-hand corner of the screen or via any of the contact options below.

CPF Housing Grant Guide – How Much Can You Get For Your Resale HDB?

Many resale HDB flat buyers depend on the CPF housing grant they’re eligible for to finance their home purchase, especially as property prices continue to rise year after year. Each grant has different eligibility requirements, though, and with so many available for resale flats, it may be difficult to find which one you will actually be eligible for — and more importantly, how much you can get. 

To help you out, here’s a list of all the CPF housing grants available for resale HDB flats:

  1. Family Grant
  2. Half Housing Grant
  3. Enhanced Housing Grant (EHG)
  4. Singles Grant
  5. Proximity Housing Grant (Families)
  6. Proximity Housing Grant (Singles)

#1: CPF Housing Grant (Families) or Family Grant 

Eligibility Conditions

Eligible For– 1st timer couple or family
Income Ceiling– $14,000 (for couples)
– $21,000 (with family members, such as parents)
Citizenship– 1 Singapore Citizen 
– The other buyer can be an SC or Permanent Resident (PR)
AgeAt least 21 y.o.
HDB Remaining LeaseMore than 20 years
Private Property Ownership– Must not own private property in Singapore or overseas
– Haven’t sold private property 30 months prior to the flat application

Grant Amount for 1st timer households

Household StructureBuying 2- to 4-room Resale FlatBuying 5-room or larger resale flats
SC-SC$50,000$40,000
SC-PR$40,000$30,000

Take note that, if you’re a SC-PR couple, you’ll get $10,000 less for the grant amount. But you will be able to get it once the PR becomes a citizen, or if you have a child. 

#2: Half-Housing Grant

Like the name suggests, the grant you’ll get for this housing grant is half of the Family Grant.

Eligibility Conditions

Eligible For1st timer SC applicant with 2nd timer fiance/spouse
Income Ceiling– $14,000 (for couples)
– $21,000 (with family members, such as parents)
Citizenship1 Singapore Citizen The other buyer can be an SC or Permanent Resident (PR)
AgeAt least 21 y.o.
HDB Remaining LeaseMore than 20 years
Private Property Ownership– Must not own private property in Singapore or overseas
– Haven’t sold private property 30 months prior to the flat application
Flat Type2-room flat or bigger

Grant Amount for 2nd timer couples 

Household StructureBuying 2- to 4-room Resale FlatBuying 5-room or larger resale flats
SC-SC$25,000$20,000

#3: Enhanced CPF Housing Grant

Eligibility Conditions

Eligible For– 1st timer couple or family
– 1st time SC buyer with a fiance/spouse who has previously gotten a housing grant subsidy
EmploymentEmployed during, and at least 12 months (1 year) prior to, the HDB application
Income Ceiling– 1st timer household: $9,000
– 1st timer & 2nd timer couple: $4,500
HDB Remaining Lease– More than 20 years
– Must cover the youngest buyer up to 95 y.o. to qualify for the full EHG amount. Otherwise, it will be pro-rated.
Private Property Ownership– Must not own private property in Singapore or overseas
– Haven’t sold private property 30 months prior to the flat application
EHG amount$5,000 – $80,000

The EHG amount you will receive will be based on the average gross monthly income that you and your fiance/spouse have gotten for all of the months within the 12-month period before the application. Both incomes will be assessed.

#4: Enhanced CPF Housing Grant (Singles) or Singles Grant

Eligibility Conditions

Eligible For– >35 y.o. 1st timer buying as a single
– >35 y.o. 1st timer buying with other singles
– >35 y.o. 1st timer buying with parents
– 21 y.o. (or older) 1st timer buying with non-resident spouse
Income Ceiling– $7,000 (as a single)
– $14,000 (with family members or other singles)
CitizenshipSingapore Citizen
HDB Remaining LeaseMore than 20 years
Private Property Ownership– Must not own private property in Singapore or overseas
– Haven’t sold private property 30 months prior to the flat application

Grant Amount 

Household StructureBuying 2- to 4-room Resale FlatBuying 5-room or larger resale flats
Single SC or SC-non resident$25,000$20,000
Single-Single $50,000$40,000

The grants are credited directly into your CPF Ordinary Account as a form of CPF top-up.

#5: Proximity Housing Grant (Family) 

If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:

  • $30,000 to live with your parents/child
  • $20,000 to live near your parents/child (within 4km)

Eligibility Conditions

Eligible ForCouples or families who have not taken the Proximity Housing Grant (PHG) before
Income Ceiling– Singapore Citizen
– The other buyer can be an SC or Permanent Resident (PR)
Citizenship– 1 Singapore Citizen
– The other buyer can be an SC or Permanent Resident (PR)
AgeAt least 21 y.o.
HDB Remaining LeaseMore than 20 years

Conditions for buyers living with their parents or within 4km of their parents’ property

This also applies to older couples looking to stay with their married children.

CriteriaParents/Married ChildSingle Child
AgeN.A.>35 y.o.
CitizenshipSC or PRSC or PR

Proximity Conditions

  • Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).  
  • Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e. child or adopted child, parent(s) or parent(s)-in-law, or siblings

#6: Proximity Housing Grant (Singles) 

If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:

  • $15,000 to live with your parents/child
  • $10,000 to live near your parents/child (within 4km)

Eligibility Conditions

Eligible For– >35 y.o. 1st timer buying as a single
– >35 y.o. 1st timer buying with other singles
– >35 y.o. 1st timer buying with parents
– 21 y.o. (or older) 1st timer buying with non-resident spouse
Income Ceiling– $7,000 (as a single)
– $14,000 (with family members or other singles)
CitizenshipSingapore Citizen
HDB Remaining LeaseMore than 20 years
Flat Type– Any, for singles living with parents or applicants buying with their non-resident spouse
– 2 to 5-room flat, for singles living near parents

Also, take note: Parents buying their child’s flat will not be eligible for the PHG.

Conditions for buyers living with their parents or within 4km of their parents’ property

This also applies to older couples looking to stay with their married children.

CriteriaParents/Married ChildSingle Child
AgeN.A.>35 y.o.
CitizenshipSC or PRSC or PR

Proximity Conditions

  • Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).  
  • Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e. child or adopted child, parent(s) or parent(s)-in-law, or siblings.

If you’re eligible for all the grants, the maximum grant amount you can get for your resale HDB flat is as follows.

Family Grant + EHG + PHG: $50,000 + $80,000 + $30,000 = $160,000

Although, knowing the CPF housing grant you’re eligible for may not be enough for you to successfully purchase the flat you’re interested in.

To make sure you get to live in your dream home, contact us here or type in your questions into the live chat box located at the bottom, right-hand corner of the screen. You can also drop us a message on any of the contact options below and we’ll be in touch with you in a minute.

Our Super Agents are CEA-certified and among the Top 1% in Singapore. With more than 8,000 happy customers served, we’ve garnered 4-star ratings on both Facebook and Google! So let us help you with your greatest asset: your home.


While the Information is considered to be true and correct at the date of publication, changes in circumstances after the time of publication may impact on the accuracy of the Information. The Information may change without notice and Ohmyhome is not in any way liable for the accuracy of any information printed and stored or in any way interpreted and used by a user.

How to Drive a Bidding War for Your Home With These 5 Home Staging Tips

A few weeks ago, we shared that the #1 thing you need to know when selling your home is your home valuation. It’s probably the best place to start when negotiating your target price. But the only way you’re going to have that conversation is by getting potential home buyers interested to look at your listing and view your home. So the question begs…

How can you attract tons of buyers to your listing and start a bidding war?

With so many listings posted on property platforms, it may seem difficult to stand out from the crowd.

But if there’s anything we’ve learned after launching our property listing platform in 2016, it’s that there are steps you can take to grab the attention of potential buyers. 

Mainly, home staging

Home staging

What is home staging?

Home staging is the act of preparing your home for sale or for rent in the property market to make it look more appealing to the highest number of potential buyers or tenants, thereby selling the property more quickly and for a higher price. We talk more about why you should do home staging for your listing here

But contrary to popular belief, you don’t actually have to spend thousands of dollars for a home staging professional. You can do the job yourself for a fraction of the cost.

Here are 5 home staging tactics you can do to enhance your property listing and get the right buyer to arrange a viewing with you:

1. Declutter your home

Remember that less is more. Potential buyers should be able to observe the main structure and features of your home without getting distracted by your personal belongings. We recommend Marie Kondo-ing your home, like throwing away or donating (or at least keeping out of sight) the things that no longer ‘spark joy’.

2. Clean all surfaces & organise your furniture

First impressions are everything. As people say, cleanliness is next to godliness. Mop your floors, dust yourselves, sofa, and other surfaces to make your place before taking your home photos.’

3. Take advantage of natural lighting

Your buyers want to imagine themselves standing, resting, and living in your property. Literally envisioning it to be their next home. They’ll need to see the walkways, the bedrooms, the dining area, and the kitchen. Fill it with as much natural light as possible, so take your photos in the morning, with all the windows open and curtains aside to let the light in. 

4. Accentuate the spaciousness of your unit

One way to do this is to remove any bulky furniture in your living room, if you have them. If you have too many tables or too many chairs (which you may be bound to do if you regularly host people over), you can consider selling them or putting them in storage. These types of furniture make your space look small. On the other hand, the room can also look weird if your furniture is too small. So, find a balance.

And make sure all your furniture is clean as well. If your sofa fabric is stained, do get them cleaned before a home viewing. 

5. Create a minimalist kitchen

A kitchen is often the heart of the home, but it shouldn’t look too lived-in when you’re trying to sell it. You can remove the clutter on your counters and dining table, and try displaying a bowl of lemons or limes. Pro tip: If you rub a cut lemon inside of the sink your kitchen will smell great for hours. 

Bonus Tip: A fresh coat of paint can do wonders to liven up your space. This goes for your walls as well as your floor. Using high-gloss paint will make your floors extra shiny, which definitely makes a difference in pictures and in viewings. Nothing’s worse than walking on what looks like dirty floors, even if they’re not really dirty and just look dull. But also, make sure to consider your furniture and other home decor so that the colours or patterns don’t clash.

These may sound simple and easy to do, but actually doing them—and doing them well—takes a lot of time and effort. It gets easier the more you do it, though, so keep at it!

If you manage to squeeze in a handful of extra interested buyers, it could mean one of them outbidding the other by a few thousand dollars. Well worth the day or two doing spring cleaning. 

Our Super Agents can help you figure out what exactly you need to do to beautify your home before taking photos for your listing. They can also help you sell your home for a high price in no time, hassle-free. You can secure an appointment with any of them by contacting us via one of the links below or downloading our app

Let us help you make the best decision for your biggest, most personal asset: your home.

Featured Image Source: The Real Deal

A Step-by-step Guide to Renting Out a Condo

The rental market has been on fire for some time now. Certain estimates show that within the last 12 months, HDB rental has increased, on average, by 19% and 23% for condominium units. 

In extreme cases, especially among the higher-end private properties usually rented by expats, prices have jumped anywhere between 40% to even a crazy 110% increase as reported by Bloomberg. That’s more than double the asking price when the unit was first rented out. 

This puts Singapore on par with New York for having the highest growth rate for rental prices in the world. And it means that we are, quite literally, living in a landlord’s dream. 

If you own a private property and have aspirations of collecting such high rentals, this guide will walk you through the process of renting out a condo — one step at a time. (If you’re a HDB owner, you can read our guide for renting out flats here.)

Here’s an overview of the steps we’ll be guiding you through. Feel free to click on any one of them to get to the step you’re at or need more information about:

Step 1: Check your eligibility

Step 2: Take beautiful pictures of your house

Step 3: Post your flat for rent

Step 4: Find your tenant

Step 5: Arrange viewings and ask your tenant to make an offer

Step 6: Collect Letter of Intent and Good Faith Deposit

Step 7: Issue Tenancy Agreement

Step 8: Finalise the TA

Step 9: Get the TA stamped via IRAS 

Step 10: Hand over the unit

Step 1: Check your eligibility

Unlike with HDB flats, there aren’t that many eligibility conditions for you to rent out your private property or condo. You won’t have to wait for your property to reach MOP (because there is none) and there’s no non-citizen quota to think about.

If you want to rent out your private property or condo, you can do so, even if you’re a Permanent Resident or foreigner.

But there are some rules you have to follow:

  • You cannot rent out the whole unit or room for less than 3 months, unless approved by the URA.
  • You can only rent to a maximum of 6 unrelated tenants. The occupancy guideline does not apply if the entire unit is occupied by a family with no subletting involved.

Step 2: Take beautiful pictures of your house

Once you’ve decided you want to rent out your home, you can start by taking pictures of your living spaces and rooms for your property listing. 

Now, the difference between a good listing image and a bad one has much to do with lighting, angles, and the actual state of your home. If it’s cluttered with personal items, then it’s going to look just as messy in your listing. 

So if photos can speak a thousand words, then your listing image should be saying, This is the home of your dreams

Here are some tips for a good listing photo:

  • Find good lighting to accentuate the interior design of your flat
  • Declutter your home so it looks clean and organised in the listing
  • Play with angles to bring out the spaciousness of your flat
  • Pick the best shot as the cover image

Step 3: Post your flat for rent

Now that you have your listing images ready, it’s time to put your listing up on property portals. And lucky for you, you can post your listing for free on Ohmyhome. Our app also allows you to chat with tenants directly, so remember to turn on your notifications to see any enquiries from interested tenants immediately. Here’s how you can do that:

  • Create an account using either your Facebook, Gmail or mobile number
  • Choose your journey and select I am a ‘Landlord’
  • Tap ‘My Properties > Choose Home Rental
  • Enter your Postal Code > Choose the address of your property > select property type and other details
  • Upload beautiful photos of your home rental and ‘Post’

We also just rolled out our Manual Verification feature on the Ohmyhome app, which allows private property owners who list their homes for rent (and for sale) to be verified and gain the trust of all interested parties on Ohmyhome. This simply means you can now prove, through our Manual Verification process, that you do own your home and are the legal owner of the property. This is part of our continued effort to improve trust on our platform and protect our tenants from rental scams.

Step 4: Find your tenant

You can also view public ShoutOuts of tenants’ property preferences, such as their budget, number of rooms they’re looking for and location. Let’s say Tenant A is looking for a 3-room HDB flat in Clementi that’s under $600,000. If you see this ShoutOut on the app, you can click ‘Suggest Listing’ and start up a conversation with Tenant A directly. No upfront costs whatsoever.

Here’s how you can find your ideal tenant via Ohmyhome’s ShoutOut function in 3 simple steps: 

  • Log in to Ohmyhome 
  • Tap ‘More’ at the bottom options 
  • View ShoutOuts

You can also customise your search even further:

  • Click ‘Filter’ 
  • You can choose anything from budget to nationality and gender
  • Tap ‘Done’

Once you’ve found a tenant who fits all your requirements, you can immediately suggest your listing to them.

You can download the Ohmyhome app here. It’s available on App Store and Google Play.

Step 5: Arrange viewings & ask your tenant to make an offer

After suggesting your listing to an interested tenant, you can continue the conversation and arrange for a viewing appointment. We talk more about what you need to do before a viewing in this article.

This when you can also nudge them towards making an offer: within the chat thread, the tenant can select the button ‘Make an Offer’. This tidies up your records and provides easy reference when necessary. 

Step 6: Collection of Letter of Intent (LOI) and Good Faith Deposit

You may also ask for an LOI and a good faith deposit to ensure the tenant is serious about renting your private property or condo. 

Now, what’s an LOI?

Think of the LOI as an early draft of the Tenancy Agreement, which will act as the preliminary agreement between you (the landlord) and the tenant before the deal is finalised. 

It’s a formal written document from your potential tenant that express their intent to rent your home, and may include:

  1. The rental price
  2. Start and end date of the lease
  3. You and your tenants’ particulars
  4. Terms that your tenant wants to include in the TA
  5. Specific requests such as furniture and house cleaning

What’s a good faith deposit?

It typically refers to 1 month’s rent, either for a 1-year lease or 2-year lease, to be paid with the issuance of LOI. The good faith deposit can also be converted to the 1st month’s rent.

Once you receive both the LOI and good faith deposit, you must stop advertising your unit. But if you reject the LOI, the good faith deposit must be returned to the tenant. 

Step 7: Issue Tenancy Agreement (TA)

The TA is the official document that defines the terms and conditions between you and the tenant. 

The most important details of a TA are:

  1. Landlord and Tenant (including NRIC/Work Pass)
  2. If your tenant is a foreigner, ensure that the company’s address is stated in the TA
  3. Lease term (price, duration, start an end date)
  4. Security deposit (1-year lease = 1 month rent)
  5. Minor repair costs (approx. $200-$250)
  6. Air-con servicing

Step 8: Finalise the TA

Once both you and tenant have agreed on the terms and conditions in the TA, both parties will need to sign the document. This will give you a legally binding Tenancy Agreement. 

Pro Tip: Make sure that there are respective witnesses during the signing of the agreement.

Step 9: Get the TA stamped on IRAS 

You will also need to get the TA stamped within 14 days of signing it. This is to be handled by your tenant. He/she can bring it to the post office or simply go to IRAS’ e-stamping portal to do so. 

If the tenant is overseas and they’re signing the TA outside of the country, the TA has to be stamped within 3 days of arriving in Singapore. 

Step 10: Hand over the unit

Now that all the nitty gritty is done, you can now hand over your private property or condo to the tenant. You will have to provide an inventory list for your tenant prior to this, which contains a list of all the items in the apartment with a brief description of its condition. 

If you’ve reached this stage…

Congratulations! You’ve now successfully rented out your private property or condo!

Renting out your home can be simple, especially when you’ve found your ideal tenant. But it can be even simpler if you prepare now.

Take this time to prepare well, and maximise your chances of having a successful rental. You can start by downloading our app on Apple Store or Google Play. And if you have any questions about renting out your property, you can contact us via any of the links below. 

2R 20th Anniversary: Rosanne And Race Wong Celebrate With Ohmyhome

Rosanne and Race Wong, of the sister-cantopop duo 2R, are finally in the same corner of the world after 2 years of being separated by the pandemic. They’ve reunited in sunny Singapore to celebrate 2R’s 20th anniversary — and they’re spilling all the details.

Much has changed since their 2R days. Rosanne and Race now have families of their own and are running successful businesses in Singapore and Hong Kong, respectively. 

But they’ve come back together for a special reunion series with Ohmyhome to pull back the curtains on 2R’s origin story, the challenges they faced as singers in Hong Kong, and even who their favourite idols are. They also share personal stories of their family’s humble beginnings and give us a taste of what they’re up to today.

Welcome to the 2R Reunion

Episode 1: We got 2R to answer your burning questions

To kickstart their reunion, Rosanne and Race tackle some burning questions from their fans. From how they got started in their singing career to the challenges they faced in their journey to release their own music in Hong Kong, you can hear it all from 2R.

Episode 2: OMG did they really move 30 times? How old are they?

This episode is a special one, as the two sisters recount their childhood memories of moving from one home to another. As the title suggests, they’ve moved around quite a bit. Race especially understands what it takes to move from Singapore to Hong Kong, and back to Singapore once again, after going through the process years ago. 

In the episode, she sheds some light on how she can help if you’re looking to make the move from Hong Kong to Singapore through her company Ohmyhome, an all-in-one property solution. She also shares property market data to give you a better comparison of the price trends in Hong Kong and Singapore.

“If you want to come to Singapore to rent or buy homes,” Race says, “you can always look for me. I have a company called Ohmyhome, and we can help you find a home.”

You can find out more about Ohmyhome Relocation Services here.

Episode 3: ​​2R carpool karaoke! 

After 20 years, can 2R still remember the lyrics to their songs? We find out in this episode. 

As they drive around Singapore, Rosanne and Race revisit their songs and catch up on their lives outside of the spotlight. Race also shares about her ongoing home renovation and how, through her experiences working with different firms and contractors, she was inspired to start her own renovation company — also under the Ohmyhome brand.

You can find all of these videos on Ohmyhome’s official YouTube channel here. And keep a look out for the last episode — which will be coming very soon! To be notified when the final episode is up on our channel, you can hit the ‘Subscribe’ button and click the ‘bell’ button to be notified.

If you want to rewatch the first three 2R Reunion episodes, you can find them in this playlist right here

5 Reasons Why You Should Buy a HDB Jumbo Flat

Back in the good old 90s, HDB flats in far-flung estates with fewer amenities were suffering from an oversupply. This was before the introduction of BTO flats, so flats were built before they were put on sale. The general inaccessibility of these estates did not help the sales of the HDB flats. 

To “reduce” the number of unsold units and to entice home seekers to buy HDB flats, the Board would combine two adjacent units into one huge unit, known today as a jumbo flat.

Later, HDB jumbo flats were launched in mature estates too, including more centralised areas like Ang Mo Kio, Bishan, and Hougang, as well as the more remote estates like Bedok, Jurong East, Pasir Ris and Tampines. 

A combination of a 3-room and 4-room flat, jumbo flats can easily stretch over 2,000 square feet. Without hacking down walls to create larger rooms, that’s at least six to seven rooms, with spacious common areas and even a balcony or small courtyard. 

So apart from space, what else can you get from a HDB jumbo flat?

1. Great space-price ratio

Homes in Singapore are shrinking in size and rising in costs. If you have an extended family, space will be a huge concern. While there are 5-room and executive HDB flat options, these barely have enough space for multi-generational families. Meanwhile, a jumbo flat offers you 15-30% more floor area than even the largest regular HDB units. 

Unless you dive into the exorbitant private property market where prices for units above 1500 square feet start from a little over $1.5 million (and typically in the OCR), it is virtually impossible for you to find any property of this size at HDB prices.

Since jumbo flats are HDB units, you can also get a much more attractive and affordable loan from HDB, with a loan-to-value (LTV) of up to 90%. This means paying less upfront! So if you are pressed for more space, jumbo flats are a far more affordable alternative to private property. 

HDB jumbo flat in Singapore
Image Source: Home & Decor

2. A size that fits all

Unless you live in a landed house, it is unlikely you can fit everyone in a multi-generational family comfortably in a regular-sized HDB unit. You can avoid unnecessary friction from conflicting lifestyle habits with a jumbo flat. By splitting the costs of purchase between more family members, a jumbo unit may work out to be even more financially manageable. 

Most importantly, each family member could have their own room or space, which you would be hard pressed to find in a regular HBD unit. 

3. Resilient returns

According to The Straits Times, there are only 2,900 jumbo flats left in Singapore, and the government has no plans to construct any more. This means jumbo flats make up roughly 0.29% of the total number of a million HDB flats in Singapore. 

Due to their scarcity, jumbo flat prices are resistant to market fluctuations and maintain steady high prices, with anticipated growth, due to the low supply and high demand. Available units are usually sold fast. 

HDB jumbo flat in Singapore
Image Source: Home & Decor

4. Good rental opportunities

On the same note, HDB jumbo flats are great for potential rental income. For instance, if part of the family vacates half the jumbo flat, you have the flexibility of renting out a “complete unit”. You can simply reinstate the partition wall between the two original merged units and voila, you have just created your own HDB dual-key apartment. 

Now, not only can you enjoy higher rental yields, your privacy remains uncompromised. 

5. Room for creativity

In space-scarce Singapore, it’s difficult to truly exercise your creativity and imagination within regular HDB units. With the ample space jumbo flats offer, homeowners literally have more “room” to unleash their creativity and experiment with their ideal designs. With all that space at your disposal, you can even have different themes for each room, build your kids a playhouse or a sandpit, or even create that zen rock garden in your balcony — the sky’s the limit!

Increase your chances of getting a HDB jumbo flat with our Super Agents — CEA-certified and among the Top 1% in Singapore. With more than 8,000 happy customers served, we’ve garnered 4-star ratings on both Facebook and Google! 

You can contact us via one of the links below or fill up this form to let us know your preferences. Our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match. We’ll also send you relevant content that you can use for your research and inform your home-buying decision, so you no longer have to spend hours searching online for the information that you need. Because at Ohmyhome, we’re always by your side, always on your side.

Featured Image Source: Home & Decor

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