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Ohmyhome Philippines Launches Cashback Promotion

Posted on September 15, 2021September 15, 2021 by Braulio Giron Jr

After years of serving as a full-fledged property platform catering to the home transaction needs of residents in Singapore, Ohmyhome expanded its services to Malaysia and the Philippines. Officially launching its Philippines website in October 2020, it has now been almost a year since Ohmyhome began offering its real estate services in the country.

As a lead up to the company’s upcoming first anniversary in the Philippines, and in line with its goal of helping Filipinos discover homes and property deals that get them the best value for their investment, Ohmyhome has launched the Ohmyhome Cashback Program for the benefit of all homeseekers buying a brand new home through the platform.

From September 9, 2021 onwards, those who buy brand new homes for sale on the Ohmyhome website or mobile app on their own or with the help of an Ohmyhome agent are eligible for the Cashback. Eligible homes include all properties listed on the platform, be it condos for sale located in Manila or houses and lots in places like Laguna or Cebu.

The amount to be credited back to buyers is 2% of the total reservation fee plus 12 months’ worth of amortization for the property’s down payment. All buyers have to do is successfully make the consecutive payments for the first 12 months, and Ohmyhome takes care of the rest.

Why the Cashback?

Cashbacks or similar rewards programs aren’t a new concept in real estate and have been done by developers in the past to attract more buyers to their newly launched projects. A program that spans different locations, property types, and even developers/brands, however, is unprecedented, and having more homeseekers get greater value from their property purchase no matter where or what type of home they want is the motivation behind Ohmyhome’s Cashback program.

According to Ohmyhome Co-Founder and Chief Product Officer Race Wong, sharing the company’s savings to the buyers will help them in acquiring the exact homes they want; “Due to our ability to negotiate favorable terms with developers and our efficiency of operations, Ohmyhome can pass back some cost savings to our customers in the form of a Cashback. This creates a smarter community of property shoppers, where you can save more on your purchase.”

The Ohmyhome Cashback applies to all homes for sale listed by all partner developers on Ohmyhome, allowing homebuyers to get rewarded while finding their dream home from any of the following developers (and future Ohmyhome partners):

Hassle-free qualification and payout

True to its aim to make property transactions as simple to do as possible, Ohmyhome has made qualifying and receiving payment from the Cashback hassle-free. As previously mentioned, the promotion began on September 9, 2021, and from that point onwards, anyone who has purchased a property through Ohmyhome is eligible for the Cashback.

Whether buying a pre-selling condo or a house and lot for sale, all homeseekers who purchase via Ohmyhome will be entitled to the 2% Cashback as long as they make 12 consecutive months of amortization payments and will receive their payout within 60 days after the 12th payment. In terms of needed documents, homebuyers need not do anything else beyond what they’ve already done when making a reservation for their chosen home.

Ready to find your dream home AND get more value out of your purchase by being rewarded with a Cashback? Visit Ohmyhome for the latest house and condos for sale from the top developers in the Philippines, or connect with an Ohmyhome agent for additional property information or assistance with getting the home buying process started.

Discover: The Best Properties to Buy at Different Budgets

To learn more about the Ohmyhome Cashback program, read about the complete mechanics, partner developers, and FAQs here.

Ohmyhome was launched in the Philippines in September 2020, following the company’s establishment of a tech team in the country in 2017. Ohmyhome was originally founded in 2016, and subsequently rose in Singapore as a leading PropTech solution and licensed real estate agency.

Ohmyhome expanded into the Philippines so that Filipino home seekers can have a real estate partner that they can trust to have their best interests at heart and can be relied upon to provide exceptional services throughout the entire property journey.

Featuring thousands of properties across many of the Philippines’ major real estate brands, Ohmyhome differs from other local platforms by going the extra mile and extensively helping buyers narrow down their choices and find the property that best suits their budgets, home needs, and lifestyle preferences.

The company’s Real Estate agents help in the shortlisting of options and provide professional services through the entire purchasing process. These include assistance in property inspections, negotiations, the finalization of the Conditions of Sale, deposit collection, the submission of property documents, as well as providing buyers regular updates.

Ohmyhome helps Filipinos find their dream homes, all while making sure each real estate transaction is complete and is an efficient and enjoyable experience.

Stay connected with Ohmyhome Philippines by following our official Facebook, Instagram, and LinkedIn accounts.

Why Late in the Year is a Great Time to Buy a Home

Posted on September 4, 2021September 7, 2021 by Braulio Giron Jr

If you’ve been thinking of buying a new home, you’ve likely already wondered when is the best time of the year to move forward with such an investment– among other considerations aimed at finding the best possible real estate deal.

Fortunately, continued advancement in technology has helped transform the way we do property transactions. Platforms such as Ohmyhome have made it easier than ever to discover deals on properties–no matter where it is in the Philippines or what time of the year it is.

However, considering the timing of homebuying can still prove advantageous, and you might find that the last few months of 2021–or most years, for that matter–is what brings some great value for money. Read on to learn why buying a home within the last few months of this year will be to your advantage, be it from a financial standpoint, being able to get the most out of what you pay for, and, even getting your money back.

13th-month pay

For some, the end of the year means receiving 13th (and sometimes 14th) month-pay and other similar bonuses. More often than not, these are significant amounts, to the tune of at least a month’s worth of salary. While these are commonly spent on holiday expenses, this “extra” income can also serve as a great jumpstart to property investment. Granted, hardly does a month’s worth of salary cover a home’s down payment, much more its full-on price.

However, a bonus salary or 13th-month pay is often more than enough to cover a few mortgage payments or at least cover most of the expenses associated with buying property such as documentary stamp and transfer taxes, or title registration and notarial fees. Spending your year-end bonus on a property investment is surely a greater use of your extra income instead of another holiday where it seems to just disappear.

Read: Invest in Real Estate Starting with Your 13th-Month Pay

Lower property prices

While there may not be as many homes for sale listed towards the end of the year, the last three to four months are generally considered a good time to buy because of price reductions. Individual sellers whose properties haven’t yet sold tend to be more motivated as the holidays near and, similarly, larger realtors and developers are aiming to meet or surpass their sales targets–be it at the expense of offering their properties at slightly lower prices.

Granted, it isn’t favorable to literally wait at the last few weeks or final month of the year before buying, as the purchase may take longer to close due to the holiday season. In addition, listings tend to be limited during the later months of the year, and buying at the last minute commonly entails having to work with not as many property options.

Favorable interest rates and terms

According to the Bangko Sentral ng Pilipinas (BSP), home loans granted in early 2021 for all types of new housing units in the Philippines contracted by 32-percent compared to the fourth quarter of 2020. As a result, banks have continued adjusting the terms and other aspects of their housing loans to encourage borrowing, which has been helped by the BSP keeping overnight deposit and lending rates at 1.5% and 2.5%

This alone has made 2021 an ideal time to buy a home despite the pandemic. However, health crisis notwithstanding, lenders also typically offer up various promotions during the final few months, both as a means to, again, meet or surpass their business targets for the year and to compete with the year-end promotions being offered by other lenders.

Re ad: Halfway Through, and 2021 Remains a Good Time to Buy a Home

Year-ending promos

In the Philippines, “‘tis the season” as early as September. From a commercial perspective, the early celebration of the season means a multitude of holiday and year-end promos, with homes for sale and real estate financing being no exception. While these “extras” are meant to have you buy or borrow now rather than later, they can work to your advantage too when you find the promo that is right for you.

Homebuying promos can range from waived processing fees, extended payment terms, or even be in the form of discounts or freebies on other things that coincide with your purchase of a home, such as the purchase of brand new appliances or a subscription to internet services. Of course, among the most advantageous is when you can lower what you spend or, in other instances, get some of your money back:

The Ohmyhome Cashback Program

Launching on September 9, 2021, the Ohmyhome Cashback is an unprecedented program in local real estate that will give homebuyers acquiring property through Ohmyhome the opportunity to make back a portion of what you spend on your property purchase.

For more information on the Ohmyhome Cashback Program and updates on its launch, make sure to follow Ohmyhome on Fa c ebook and Instagram and subscribe to Ohmyhome by visiting the website and/or downloading the Ohmyhome app.

Ohmyhome helps Filipinos find their dream homes, all while making sure each real estate transaction is complete and is an efficient and enjoyable experience.

Stay connected with Ohmyhome Philippines by following our official Facebook, Instagram, and LinkedIn accounts.

Landisco Partners with Ohmyhome to Promote Green Homes and More

Posted on September 3, 2021September 3, 2021 by Braulio Giron Jr

Quezon City-based real estate developer Landisco Corporation has partnered with Ohmyhome Philippines for the promotions of their current residential developments. Among these is Melton Townhomes in Binangonan, Rizal.

A gated, low-density community located in Barangay Tagpos, Melton Townhomes is particularly notable for its stylish three-bedroom townhouses and for being a low-density green space that effectively uses renewable energy. Prime units in Melton Townhomes are equipped to run on solar energy, giving further value to homeowners who want to live in a cleaner environment and want to save significantly in utility expenses.

Keeping to its commitment to building stylishly designed, private, gated, and fully-fenced neighborhoods that are within proximity to everything homeowners need, Landisco is also looking forward to launching new projects soon, especially in its favored location of Rizal.

While only 26 kilometers east of Metro Manila, the province offers an immediate change of pace from the capital region. Municipalities like Binangonan and others in Rizal have an abundance of wide-open spaces that makes one feel as if they are much farther than they are from Metro Manila.

And with more developable land comes a wider variety of residential options for Landisco to offer, making homeownership a greater possibility for Filipinos who will have not only a viable location to live in at Rizal, but also a residence that meets all their needs and more.

Established in 2010, Landisco is still relatively new in Philippine real estate. Despite operating for only over a decade so far and not yet garnering the name recognition of longer-termed developers, the company has had a significant impact on the market, offering low-cost high-value homes in a relatively modest period. It is this consistency that has made it a suitable partner for Ohmyhome.

“At Ohmyhome, one of our goals continues to help every Filipino discover the home for them,” shares Ohmyhome Philippines Account Manager Cielo Dumlao, “and this partnership with Landisco allows us to give homeseekers using our website a worthy option for their investment.”

It is important for us to have Landisco as a featured developer on our platform,” adds Ohmyhome Philippines Marketing Manager Julian Sison, “because not only are their projects situated in some of the most in-demand places in the country, but because they line of homes vary, and the communities they have built features options for a wider range of homeseekers.”

Interested in what Landisco currently offers in the market? Visit Ohmyhome for the latest Landisco homes for sale, or connect with an Ohmyhome Agent for detailed information and/or to start the home buying process.

For convenient access to the house and lot or condo for sale listings and real estate information in the Philippines, download the official Ohmyhome app.

The company’s Real Estate agents help in shortlisting options and provide professional services through the entire purchasing process. These include assistance in property inspections, negotiations, the finalization of the Conditions of Sale, deposit collection, the submission of property documents, as well as providing buyers regular updates.

Ohmyhome helps Filipinos find their dream homes while ensuring each real estate transaction is complete and is an efficient and enjoyable experience.

Stay connected with Ohmyhome Philippines by following our official Facebook, Instagram, and LinkedIn accounts.

Discover the Right Home for You in Las Piñas

Posted on August 27, 2021September 1, 2021 by Braulio Giron Jr

Although the price and the type of home are easily among the top considerations most make when buying a new place to live, location almost always emerges as the deciding factor when finally making a purchase.

Indeed, it stands to reason why where the home is located is of the utmost importance. Be it the safety of a neighborhood; proximity to the office, school, and other key areas; or even the potential of the property to increase in value over time; all revert back to where the home is.

Understandably, given that buying a home is a significant expense, most of us want to cover all our bases. Apart from getting to live in a locale we think is best for ourselves and our families, we also want it to be exactly the type of home we want and have it fit our finances. Unfortunately, this is easier said than done.

More often than not, the most ideal locations are also the most in-demand and most populated. Metro Manila, for instance, is home to three of the top business districts in the country, with many living–and wanting to live–in its cities like Makati and Taguig. Due to the lack of developable land in these areas, home options in these places are understandably both limited and costly.

Fortunately, there are nearby locations that can provide a wider range of options that are comparably more affordable. Among these is the city of Las Piñas.

Finding the exact home you want in Las Piñas

While officially part of Metro Manila, Las Piñas is comparably less busy and less populated than the bigger name cities in the capital region. Its greater amount of open spaces combined with its proximity to the previously mentioned central business districts makes it a place worth considering when aiming for a home that is more affordable but also not wanting to live too far from Metro Manila.

Condos for Sale

While Las Piñas takes on a comparatively more relaxed pace than most of Metro Manila, it is still part of arguably the Philippines busiest region, and as such similar features homes built living a dynamic urban life.

Like the rest of the National Capital Region, condos for sale in Las Piñas are among the most readily available options. These types of homes are, after all, usually developed to both caters to the needs of commonly large urban populations, and to also make living spaces affordable in markets (cities) where homes and land, in general, are costly.

What differentiates buying a condo in Las Piñas from buying in other places in Metro Manila is that it is not only slightly more affordable buying here than buying in cities like Makati and Taguig, but the city’s landscape presently also accommodates a wider range of properties. This means being able to choose to live in midrise and highrise condominium communities, the latter of which is more typical in busier cities.

A good example of the former that is currently available on the market is South Residences by the SM Development Corporation (SMDC). Part of the SM Southmall Complex, South Residences is a definitive highrise community in that it is centrally located and almost everything one would need is within reach–be it the amenities within the community itself or the different retail establishments and transportation terminals that are just right outside of it.

Life in a high-rise home would not be complete without views of the city, and at South Residences, homeowners have a great look at the Las Piñas City landscape within their studio or one- or two-bedroom units.

Of course, not everyone is eager to live in a highrise and, as mentioned, one of the main reasons many choose to live in Las Piñas is to be in a place that is comparatively less urban than most of Metro Manila. With that, mid-rise condos are often an ideal choice, given these are priced similarly to high-rise units but are in communities that are less dense and have a little more open spaces with the key trade-off being they are not as centrally located.

A notable mid-rise community to buy a condo in Las Piñas is The Hermosa COHO. A project from COHO by Vista Land is a resort-inspired condo development tucked away in the Pulang Lupa Uno area of Las Piñas. The 2.9-hectare project features three residential buildings set within a walkable community that has its own commercial establishments as well common amenities like a swimming pool, function hall, and fitness gym.

Featuring studio and one- and two-bedroom units, The Hermosa COHO is a suitable choice for young families who spend a significant amount of time outdoors but don’t want to go too far away from Metro Manila to get it.

House and lot for sale

With Las Piñas having slightly more developable land than most of the other cities in the region, houses and lots are expectedly among the most common places to live in the city and are arguably the reason why many consider buying a home in Las Piñas.

However, given that Las Piñas is part of Metro Manila, house and lot values in the city are in no way low, although they are slightly more affordable and more available. As it has both a good number of existing subdivisions and gated communities, there continues to be an extensive selection of houses and lots for sale in Las Piñas to choose from.

Among the more exceptional of these properties are the homes in Portofino. Developed by Brittany Corporation, Portofino is a 300-hectare Italian-inspired exclusive gated community featuring European-styled homes and distinctive courtyards complimented architectural details such as cupolas, gabled roofs, and pocket gardens.

Portofino’s Las Piñas location has it almost bordering the city of Muntinlupa, making key business and commercial locations like the Madrigal Business Park, Alabang Town Center, Asian Hospital and Medical Center, and nearby educational institutions like De La Salle Zobel, Paref Woodrose School, and San Beda College Alabang, among others, within convenient reach.

An expansive estate, Portofino features residential enclaves that each have their distinct community and architectural features. Among the latest of these to be developed is The Amore at Portofino, a community that adheres with the same level of excellence and quality as the other Italian house and lot communities in Portofino, but with properties that are at a slightly affordable price range. Exclusive to the enclave is the cluster, an assemblage of 4 single-detached homes with a charming common driveway and pocket garden.

Among the amenities in The Amore at Portofino are an Italian-inspired swimming pool, basketball courts, jogging path, playgrounds, outdoor activity area, and a grand ballroom large enough for 300 people.

These are but a few of the homes for sale in Las Piñas. As the city continues to see more development, more will likely become available in the market. To learn more about what residential options are currently available in the city, be it to buy or to rent, or receive complete assistance in acquiring a new Las Piñas home, visit the Ohmyhome website or connect with an Ohmyhome agent, today!

For a quick look at some of the top homes for sale currently on the market, download our e-book, Best Properties to Buy in the Philippines for Different Budgets in 2021.

To conveniently access the latest home for sale listings and real estate information in the Philippines, download the Ohmyhome app.

Ohmyhome helps Filipinos find their dream homes while ensuring each real estate transaction is complete and is an efficient and enjoyable experience.

Stay connected with Ohmyhome Philippines by following our official Facebook, Instagram, and LinkedIn accounts.

Be at Ease and Feel at Home on the New Ohmyhome.com

Posted on August 20, 2021 by Braulio Giron Jr

After a couple of months of hard work and testing, Ohmyhome Philippines is proud to announce the launch of its new and improved website. Aimed to make property transactions even easier for Filipinos, the new website is designed to give a more intuitive and user-friendly experience whether one is buying, selling, renting, or leasing a home, or requires reliable real estate agent services.

What’s new?

The Ohmyhome website’s vastly improved user experience is anchored by its new mega menu, which allows users to know exactly where to find what they need–be it new listings of houses and condos for sale, selling your property with the help of an agent, or do-it-yourself tools that allows you to complete property transactions all on your own and for free.

Extending the hassle-free user experience beyond Philippine shores, the new website also features sections dedicated to Filipinos overseas who would like to buy a home or make real estate investments in the country conveniently even when they are away. This is in addition to being able to switch between the Philippines, Singapore, and Malaysia Ohmyhome websites on the homepage.

Bringing people and the right property together

With thousands of listings on the platform and new houses, lots, and condominium units being added to the inventory regularly, Ohmyhome has long understood that going through the numerous options is a process in itself. With that, we’ve also continued to make improvements in our property matching technology to make it easy for property seekers and providers alike.

Through the algorithm on the Ohmyhome website, we help those looking to buy or rent a home narrow down thousands of choices to listings that specifically meet exactly what they want and need in a new place. Owners who list their homes for sale or rent on Ohmyhome, on the other hand, don’t have to wait too long to find potential buyers or tenants thanks to the website’s matching capabilities.

Of course, bringing people and property together won’t amount to much when the transaction can’t be completed. So, in addition to updated services, Ohmyhome has also added a mortgage page where potential buyers can receive a free consultation and complete assistance regarding making home loan applications.

Real estate information right at your fingertips

The ease of transacting in real estate is the core of the Ohmyhome business. Along with fulfilling this through comprehensive digital solutions and expert agent services, our website is now designed to help users in making the most informed real estate decisions possible by way of news, insights, and other content that are created and curated to inform and entertain.

Between current trends in the local real estate market to expert tips and advice, news articles and other content are published on Ohmyhome regularly, allowing visitors to have a wealth of information conveniently available to them as they embark on their property journeys.

For a better look at the refreshed Ohmyhome Philippines website, or to explore the new and improved versions in Singapore and Malaysia, visit Ohmyhome .com today.

Conveniently access our suite of real estate solutions, services, and information from almost anywhere on your mobile device by downloading the official Ohmyhome app.

Ohmyhome helps Filipinos find their dream homes while ensuring each real estate transaction is complete and is an efficient and enjoyable experience.

Stay connected with Ohmyhome Philippines by following our official Facebook, Instagram, and LinkedIn accounts.

外国人在新加坡可投资的房产类型

Posted on July 12, 2021 by Joyce

新加坡的房产可以分为政府组屋、私人公寓、以及有地住宅（别墅）这三种。外籍人士可选择全岛范围的私人公寓以及圣淘沙的有地住宅。

无论是私人公寓还是有地住宅，产权都归屋主所有。产权期限一般有99 年地契、999 年地契和永久地契。政府组屋是新加坡政府为其国民所提供的保障型住房，购买时享有政府津贴，所以这种类型的房产只对新加坡本地居民和永久公民开放。

私人公寓

私人公寓是指由房地产开发商所建造的商品房。新加坡的公寓房产面积都是实用面积，没有公摊，每个单位都免费带车位，不需要另外买，并且私人公寓一般都附带装修，包括基本厨卫设施和家电。公寓内一般都配备俱乐部、健身房、游泳池、网球场和烧烤台等的一系列配套设施。买家在购房前应该亲自到公寓内参观，了解开展商所打造的生活设施和装修项目。您可以在Ohmyhome的平台上了解到最新、最热门的私人公寓项目详情，并且享受到比市场上更优惠的价格。同时我们将带您亲自参观感兴趣的项目，提供专业的房产投资咨询。

有地住宅

升涛湾位于世界著名的度假胜地圣淘沙。这里是新加坡政府唯一允许外籍人士购买的有地住宅的区域，也是世界级的富豪居住区。您能享受到世外桃源般惬意自在的生活：全海景、私人游艇和2个高尔夫球场。这里同时拥有无与伦比的地理位置优势。从这里到达金融中心滨海湾只需10分钟车程，到达商业中心乌节路15分钟车程，距离新加坡国际机场也只需25分钟车程。独具优势的地理位置和生活环境决定了这里的房产始终具备升值空间。

目前升涛湾已经没有多余土地来建造新的项目，因此目前的房产都属于稀缺资源。另外这里的房屋产权一般都是99年, 外国买家不被允许出租房产。

如何购买新加坡房产？

新加坡顶尖房产服务平台Ohmyhome为您提供个性化的房产投资方案。资深华人房产经纪人带您看遍新加坡房产，解答外籍人士如何新加坡购房等各类您关心的问题。即刻预约一对一咨询！

外国人在新加坡购房指南

Posted on July 8, 2021 by Joyce

新加坡被联合国评选为全世界最适合人类居住的国家之一。这里的房地产市场相对稳定，投资收益也相当可观。那么在新加坡购置房产的时候有哪些需要关注的事项呢？

1.外国人在新加坡购房是否存在限制？

新加坡对外国人购房的限制较少。只有新加坡政府为人民提供的保障性住房（组屋HDB）和有地住宅（别墅）禁止外国人购买。海外投资者可选择全岛范围的私人公寓和圣淘沙的有地住宅。圣淘沙是新加坡顶级富豪的聚集地，同时也是唯一允许外国人购买有地住宅的区域。

2.本人不在新加坡是否可以进行房屋交易？

可以。海外买家可以通过律师准备授权书，授权自己在新加坡的亲戚或朋友代表本人执行房产交易。也可以通过代理律师或房产经纪人将相关法律文件原件快递到自己的居住地，签署文件后在寄送回新加坡的代理律师。

3.新加坡房产产权

新加坡房产产权一般为99年、999年、永久产权。其中大部分房产为99年产权（中国大陆产权为70年）。通常永久产权的房价比99年产权价钱要贵20%～30%。

4.新加坡房屋贷款

在新加坡，外国人购买房产可以向银行贷款和按揭。贷款数额最高为房产价格或估值的75%，具体贷款额度取决于金融机构的信用评估。在评估客户信用时，买家通常需要提供收入证明，包括工资单、银行存折、所得税评估等等。如果贷款额为房价的75％，那买房时就必须支付25％的现金。另外，如果购买的是期房，那么除了考虑贷款额度，还要结合该期房的工程进度。有别于中国，手续完成后，买家需要支付全部款项。在新加坡，买家付完首期之后将根据工程进度付款。例如地基打好了，则支付10%的余款。所买单位墙壁天花板做好了，再给10%等。非个人卖家的最高贷款额度为20%。

房屋贷款有两种基本类型。第一种是固定利率的房屋贷款，提供规定期限内的固定利率，避免了利率升高所带来的损害。但期间利率降低，贷款人则相当于支付了高于市场的利率。另一种为浮动利率贷款，根据市场利率的变化而变化。贷款人可以按照自己的情况选择适合的购房贷款配套。目前新加坡现行市场利率较低，贷款年利率在1.4%-1.8%不等。

5. 聘请律师

新加坡的房产市场是世界上最规范最透明的市场之一，房产的交易需要由律师参与进行买卖的。律师将参与到房产购买流程和房产购买资金管理中。房产购买人需要支付律师费，但无需为各项活动聘用不同的律师。律师费是需根据海外买家所购房产的形式与价格来定的。

6. 费用及税款

费用	征收方	金额
印花税	新加坡税务局	买家印花税 3% – 4% 永久居民额外印花税 5% 外籍人士额外印花税金(ABSD) 20%
首付款	卖家	现房首付 = 全款-贷款额度期房首付要结合工程进度（参考4.）
房产税	新加坡政府	房产税是根据房产年租金比例征收（包括地税，出租税和物业费）计算方式： 1.物业年值低于6000新币的，免收房产税 2.物业年值为7000新币，前面6000免收，后1000按照4%收取，即40新币 3.物业年值超过24000新币，缴纳超过部分6%的房产税。
律师费	委托律师	一般在3000新币内，高于200万新币的项目需向律师事务所询价。

新加坡购房所需缴纳费用和税款

7. 房产监管机制

为规范新加坡房地产市场和提升服务水平，自2010年10月22日起，新加坡正式成立了一个政府法定监管机构——新加坡房地产代理理事会（Council for Estate Agencies, 简称CEA）。该机构将负责审查房地产经纪人的从业资格、考核、签发统一的经纪从业证，同时受理民众对房地产经纪服务的投诉。房地产经纪从2011年3月1日开始，在服务客户时必须佩带由CEA统一签发的经纪证。对海外投资人来说，聘请专业的房屋经纪人将为其剩下大量的时间和精力，并且购买私人房产是免佣金的。

8. 收益回报率

新加坡云集世界各行各业的精英在这里工作、生活和学习。市场租凭需求旺盛。只要购买房产的位置合适，交通便利，完全不必担心找不到租客。通常新加坡的租金回收率通常可以达到2.5%～3.5%。另外，购房者可自行出租管理或者委托房屋中介代为管理。因此委派新加坡当地的中介机构对于不在新加坡的房产投资者来说是个很好的选择。

9. 在新加坡买房是否能移民？

在新加坡买房不等于移民。买房也许能为您的移民申请加分，但绝对不是一步到位的方法。

Missed the May 2021 BTO Launch in Geylang? Here’s Why It’s A Blessing In Disguise

Posted on June 2, 2021 by Maelyn Lagman

The May 2021 BTO Launch in Geylang, Tengah, Bukit Merah, and Woodlands was met with as much excitement as HDB’s previous new sales launches.

At this point, though, they hold little appeal for those in urgent need to move in as the projected construction delays pushed back the key collection date. With additional waiting time, many are looking to the resale market for alternative housing options.

If you missed the May 2021 BTO launch, especially that in Geylang (MacPherson Weave), don’t worry. This may be a blessing in disguise. Here’s why we think so:

HDB resale flats in Ubi are more affordable than the BTO flats in Geylang

According to HDB’s resale statistics for Q1 2021, the average price for a 3-room resale flat in Ubi is much lower than a 3-room unit at MacPherson Weave.

	3-room	4-room
Ubi (Median Price)	$276,500	$540,000
MacPherson Weave (Indicative Price)	$343,000 – $405,000	$489,000 – $626,000

The median price of a 3-room resale flat in Ubi is $276,500, much more affordable than a 3-room unit at MacPherson Weave, which ranges from $343,000 to $405,000.

Resale flats in Ubi are also a great property investment as their value has appreciated over time.

Profitability of properties in Ubi/Geylang

According to Squarefoot Research, the average prices of HDB resale flats in Geylang dipped to $387 psf in April 2020. The transaction volume also fell but began steadily climbing post-Circuit Breaker, reaching record highs as the demand and supply imbalance has become a reality.

As of 24 May 2021, the average price of resale HDB flats in Geylang is $570 psf, higher than its neighbouring HDB towns: Hougang ($425 psf), Toa Payoh ($567 psf), Marine Parade ($558 psf), and Kallang ($517 psf).

Additionally, the resale flats in Ubi have the same accessibility as Macpherson Weave

It’s no lie that the location of the May 2021 BTO launch in Geylang is amazing. It’s right next to the MacPherson MRT station and the Pan Island Expressway (PIE), making it so easy to go around the city either by commute or car.

But guess what? HDB resale flats in Ubi also have the same location perks.

Accessibility in Ubi

singapore pie pan island expressway — *MacPherson Weave, the May 2021 BTO launch in Geylang, is connected to MacPherson MRT and the PIE.*

Commuters and drivers can enjoy equal convenience in travelling around the city-state when living in Ubi.

Residents will find that the MacPherson MRT station is only a short walk from their home, including the Mattar and Ubi MRT stations. These will connect you to the rest of the city via the Downtown Line, Circle Line, and the East-West Line in no time.

For drivers, the PIE and the Kallang-Paya Lebar Expressway (KPE) are nearby.

HDB resale flats in Ubi are also close to even more amenities that buyers and investors may enjoy.

Both local staff and expatriate employees in the nearby industrial and tech parks will find a sufficient supply of home listings in Ubi that prides itself on the various amenities nearby.

Though many will think Ubi is ‘ulu’, Singlish for when a place is remote or deserted, there are various amenities nearby that serve the residents of Ubi.

Amenities in Ubi: Schools, malls and eateries, and upcoming developments

Schools in Ubi

There are a few schools in the area for various school-age children, including St. Margaret’s Primary School, Geylang Methodist Primary School, Eunos Primary School, and Nexus International School (Primary & Secondary).

Canossian School is also nearby, a special education school for children with hearing loss, and Waldorf Steiner School, known for its holistic schooling system with a varied curriculum that includes an immersion in a wide variety of artistic disciplines (social sciences, art, music, and more) as well as rigorous academic work.

Malls and eateries in Ubi

For food options, you can check out Circuit Road Market & Food Centre and MacPherson Market & Food Centre. There’s also the Geylang Serai Market and Food Centre, one of the busiest wet markets in Singapore.

There are four notable shopping malls in the area that provide a wide array of retail, entertainment, recreational, and lifestyle amenities, which include: Paya Lebar Square, Paya Lebar Quarter, Kinex, and City Plaza. And they are all accessibly by public transport.

paya lebar square plq near geylang — *There are four notable shopping malls in the area that provide a wide array of retail, entertainment, recreational, and lifestyle amenities*.

Kinex is also nearby, right beside old shopping centres like Tanjong Katong Complex and City Plaza. Formerly known as OneKM Shopping Mall, the community-centric Kinex prides itself as a fun destination for those leading (or kickstarting) an active, vibrant lifestyle.

Move past the rundown exterior of City Plaza and you’ll find rows and rows of charming little shops that offer bargain products and pre-loved fashion, complete with a food court and even an Arnold’s Fried Chicken outlet.

Though many perceive Ubi as an ‘ulu’ town where there’s nothing exciting happening, it is a good location to stay near the city without breaking the bank.

There are enough primary and secondary schools in the area for families looking to relocate, and the Central Business District and the rest of Singapore are accessible by train.

With affordable resale properties in the market that offers the same amenities and connectivity, you should consider Ubi as your next neighbourhood.

You can also look forward to this upcoming development for city-fringe living: The Antares

the antares new launch in the ccr singapore — *The Antares is perfect if you are on a budget and want to take advantage of a city-fringe location.*

Project Name: The Antares

Property Developer: FKSH Development

Address: Mattar Road (District 14)

No. of Units: 265 units

Tenure: 99-year leasehold

Pricing: $789K – $1.13M

TOP: 2022

The number one highlight of The Antares, a new launch condo project by FKSH Development, is its connectivity. It’s perfect for those who are on a budget but want to take advantage of a city-fringe location and the upcoming development in the area.

Right at its doorstep is the Mattar MRT station (Downtown Line) and it’s roughly a 20-minute drive to the Central Business District (CBD) of Singapore. It is also close to the Potong Pasir and Woodleigh area where the new Bidadari Estate is being built.

Looking to buy a house but don’t know where best to live? Or can’t find any good listings in the same neighbourhood?

Let our Super Agents handle the search and qualification process for you. As skilled veterans empowered by Ohmyhome technology, they can match you with the right home at the right location, and at the right price.

Buy a home for a fee as low as $2,288! Engage a Super Agent now at 6886 9009.

Frequently Asked Questions on HDB BTO Launches

Where is Geylang BTO?

The May 2021 BTO launch in Geylang is right beside MacPherson MRT, along Paya Lebar Road.

How long does it take to get a BTO flat?

It will take about three weeks after the application period closes for you to receive the result of your application. The actual key collection date will be three years later but, because of the pandemic, it might take about seven years.

Who can apply for a BTO?

If you’re buying a BTO flat, you must apply with at least one Singapore Citizens (SC), one other citizen, or a Singapore Permanent Resident as a family nuclease (like a spouse, children, parents, siblings).

How many BTO launches are there a year?

There are four HDB BTO sales launches every year.

Three Factors That Affect Your Home’s Value

Posted on May 24, 2021 by Braulio Giron Jr

Buying a home for sale in the Philippines, or anywhere else for that matter, is one of the most significant purchases anyone can and will make. So whether you intend to live in your next property purchase for the long term or sell it later on for a profit, it makes absolute sense to want to protect your investment and make sure that its value continues to appreciate.

Granted, real estate is already one of the most reliable assets in terms of growing in value, and experts have observed that home prices in the Philippines have indeed continued to appreciate despite the ongoing Covid-19 pandemic. However, the continued growth of property investments is not guaranteed, and it is best to keep in mind the following factors before and after purchasing your home to best grow its value.

Location, location, location

Saying it three times may make it sound cliche, but the reason it is also a ‘golden rule’ in real estate is that location is indeed one of–if not THE–most important considerations made when buying a home.

You are likely choosing where to live now based on how accessible it is to where you and/or members of your family go to school or work, and key places like hospitals, emergency services, and commercial centers.

Expectedly, this is one of the ways your home’s value will continue to be gauged in the future. The higher the quality of the schools in the community it is in, and the greater availability of employment opportunities in and around its area, and, of course, the closer it is to key commercial and public establishments, the higher it is valued at.

So when buying or investing in property today, it is also important to consider not only what the current features of a property’s location are, but also if there are commercial construction projects and public developments that will also be raising its profile in the future.

Looking for a home near the key commercial districts of the Philippines? A unit in a centrally located condo may be what you’re looking for!

Size and space

Of course, size will eventually come into play when gauging any home’s value. While a house with a large lot almost always means it commands a greater price tag, so too can an extensive floor space.

So if you are looking to buy a new house and lot soon but are limited in the amount of land you can purchase because of restrictions in your finances, you can always look to expand your indoor space in the future to help raise your place’s value. This can be by way of expanding the home to include another floor, with another bedroom and maybe a bathroom.

Granted, this will come at some expense, but as it is worthwhile to make needed updates and upgrades to not only live comfortably but also help your home grow as an investment.

Want a home with a substantial lot that you can make future improvements on? View the best latest houses and lots for sale in the Philippines, here!

Updates and upgrades

Speaking of updates and upgrades, homes that are well-kept do well in retaining their value, but homes that are improved constantly and extensively are the ones that increase in value better and faster. Keep in mind that this is not exclusive to houses and lots that can be expanded with added rooms and floors or by buying an adjacent lot.

For example, a condo may not give you too much room to work with in terms of adding more living space, but changes such as having it freshly painted and upgrading cabinet and cupboard covers with higher-end materials is just as effective in helping its appraisal as it is put up for sale on the market.

Updates and upgrades will also be helpful as your home ages and become far from ‘new’. Often, the newer a home is, the higher is its appraisal value. This is because critical aspects in it like the plumbing and electrical are also new, which all but ensures that they are far from breaking down and being something an owner has to worry about anytime soon,

As your home ages, or if you bought a pre-owned place right from the start, you can look to at least maintain it to the point that it is ‘move-in ready’. Specifically, this is when it has been repaired and renovated and subsequently maintained that there are no lingering problems. Anyone thinking of buying it can move in immediately without spending on any needed home renovation, repairs, or upgrades.

Ready to buy a new home and grow it as an investment? Whether it’s a condo to rent out or a house and lot to renovate into something, the best and latest homes for sale in the Philippines are here for you at Ohmyhome and can be viewed conveniently from almost anywhere via mobile when you download the Ohmyhome app.

The company’s Real Estate Agents help in the shortlisting of options and provide professional services through the entire purchasing process. These include assistance in property inspections, negotiations, the finalization of the Conditions of Sale, deposit collection, the submission of property documents, as well as providing buyers regular updates.

Ohmyhome helps Filipinos find their dream homes, all while making sure each real estate transaction is complete and is an efficient and enjoyable experience.

HDB Sales Proceeds 2021: The Truth About Where Your Money Goes After Selling!

Posted on May 9, 2021 by Maelyn Lagman

Update as of May 10 2021: A previous version of this article had the headline, Where Your Sales Proceeds Go After Selling Your HDB Flat.

If you sold your HDB flat for $380,000 and got less than that after the sale, you’re not alone.

First-time HDB sellers may not know this, but when you put your home in the market and make a sale, you will not receive the full amount of your sale proceeds. We’ll go into this in detail, but—

First things first: Remember to meet the MOP before selling

Before you can sell your HDB flat, remember that you have to meet the Minimum Occupancy Period (MOP), which is five years for HDB flats. This means you’ll have to occupy your house for a minimum of five years before being eligible to sell it.

Now that you’ve sold your flat, what happens to your sale proceeds?

Once you’ve sold your HDB flat, your sale proceeds (the money you get after the sale) will be divvied up to:

Pay the outstanding home loan
Return CPF monies
Resale levy (if any)

Dive Deeper: How to Compute Your Estimated Sales Proceeds for Property Transactions

For this article, we’ll be zooming into number two-returning your CPF monies to your account as the rest of the calculation is more straightforward in comparison.

On CPF refunds plus accrued interest

It’s compulsory to return any CPF funds you have used back to your CPF Ordinary Account (OA), plus the accrued interest-the amount of money it would have earned had it not been used to finance your home purchase. The current CPF-OA interest rate is 2.5% per annum.

It’s compulsory to return any CPF funds you have used back to your CPF Ordinary Account (OA), plus the accrued interest.

Having to pay the accrued interest of your CPF monies, on top of the interest you already pay for your home loan, can lessen the amount of money you’ll get after selling your home (also known as cash proceeds). For some, this could be an essential deciding factor in their next housing plan. So if you’re decided on selling yours, then you should understand the breakdown of the sale proceeds of your flat.

How does CPF affect your sale proceeds?

If you had applied for and received a CPF grant to finance your HDB flat purchase, you need to repay that amount (on top of whatever amount that you have used from your CPF OA), plus accrued interest, when you sell the flat.

What happens if the sale proceeds are not enough to refund your CPF fully?

If you sell your flat at or above the market value, you are not required to top up the shortfall of your CPF refund.

However, if you were to sell the flat below the market value, then you may be required by CPF to top up the difference—even if it means paying out of your pocket.

Go here to check how much you need to refund to your CPF account upon the sale of your flat.

So here’s a scenario:

Mr and Mrs Lim are selling their HDB flat for $380,000, with the help of an Ohmyhome Super Agent.

Have a financial plan before selling your HDB flat.

Here’s the breakdown of how your sales proceeds will look like:

Selling Price: $380,000

Outstanding Loan Amount (HDB): $180,000

CPF Refund (Mr Lim): $70,00

CPF Refund (Mrs Lim): $70,000

Resale Levy (if any): NA

Total Cash Proceeds from HDB: $60,000

Legal Fee (HDB): $500*

Ohmyhome Professional Fee (incl. 7% GST): $2888 + GST= $3090.20

HDB Admin Fee: $80

Nett Cash Proceeds: $56,329.80

*HDB legal fee is estimated, and the final amount is subjected to HDB’s calculation.

When do you need to include the HDB resale levy in your calculation?

The HDB resale levy only applies to those who are buying a second subsidised flat from HDB. This can be a BTO, a Balance of Sale flat, or an Executive Condominium (EC). The amount of Resale Levy varies depending on the housing type.

The resale levy needs to be factored into the calculation as it can only be paid in cash or sales proceeds.

Dive Deeper: Guide to Buying an HDB: Resale Levy

Have a financial plan before selling your HDB flat

Selling your HDB flat to purchase new property is not merely “upgrading”. Not really. There are a lot of long-term factors that could affect your financial situation in the future, which could either make or break your bank, as well as your housing options. From the interests of home loans and grants to the miscellaneous costs and fees, it would be best to work out a thorough financial calculation with a trusted advisor before plunging into anything.

Speak to any of our Super Agents or engage our Mortgage Conveyancing Services

To avoid any irreversible decisions like selling your HDB flat before you’re ready, create a financial plan with your mortgage advisors and property agents.