NOTG - Nuggets on the Go by PropertyLimBrothers

#59: Leveraging Real Estate, Paying Down Mortgage & Property Vs Crypto

The NOTG team answers collated questions from our NOTG group chat on Telegram! Thanks to all our participants for your valuable contributions, which have culminated in this episode.
 
Melvin Lim, Grayce, Yu Rong, and Joan discuss the ripple effects of the new harmonisation rule on the perception of buyers. Because of the 'adjusted' PSF prices, it might change the way buyers look at a property's size in the future. The team also talks about the power of leveraging real estate as good debt and paying down your mortgage—should you or should you not? Find out the answers to your questions right here!
 
Want to be part of the discussions about all things real estate? Then join our NOTG Telegram community at t.me/notgpd, where like-minded individuals discuss everything about Singapore property. The NOTG team is inside to answer all your questions!00:00:00 Introduction00:01:29 Harmonisation00:05:34 Shift in sizes after harmonisation00:07:19 Harmonisation PSF & Lentor Mansion Performance00:15:55 No 1-bedders in Lentor Mansion00:16:36 Pay down a mortgage or leverage00:24:52 What will happen if interest rates goes down.00:25:35 Money is a form of energy00:28:24 Bitcoin surpassed silver00:30:19 Leverage on good debt00:33:02 Afraid of money00:35:48 Yu Rong's bad investments00:39:05 Bitcoin is a asset00:40:46 Understand your investments00:43:31 Next Episode...00:44:00 Outtakes

#58:How to Flip & Sell Effectively, Pricing Competition and Property Buying Perspectives

Melvin Lim, Lyndon, George, and Joan continue their discussion about real estate investment and what investors need to be ready. There are several ways to capitalise on real estate—own-stay (quantum play), flip and sell, or rent, but what is it that drives the appreciation and demand to ensure a ROI? 
And on the topic of flip-and-sell, which is a popular investment strategy for New Launch buyers? When is it the right time to offload the property? Does that mean a private condo more worthwhile in terms of time, over an EC? The team analyses these topics and share their personal opinions.
 
Stay tuned for insights you don’t want to miss!

Do also join our growing NOTG Telegram community at t.me/notgpod, where you can find like-minded individuals who share the same inquisitiveness on the real estate market!
 
00:00:00 Intro00:00:59 Hunt for value00:03:37 Easy to buy, NOT easy to sell00:06:06 Advice in buying New Launches00:12:23 Hit TOP and move on.00:14:17 3-Bedder sales00:18:33 TOP effect00:31:23 Parc Central vs Tapestry00:40:18 Closing thoughts00:40:57 Outtakes

#57 Property Risks, Buying For Own-Stay or Investment & Future-Proofing A Home Purchase

Melvin Lim, Lyndon, George and Joan from PropertyLimBrothers share their opinions on the common dilemmas one may encounter when navigating Singapore’s property market. This discussion includes the continuous appreciation of landed homes, timelines to enter and exit a property, prioritising future-proofing a property purchase, accumulating an asset, and the challenges of flipping a property.Find out what deeper aspects there are to consider going into the real estate market, such as  the significance of bedroom type affecting potential profit margins. Stay tuned for another empowering banter episode of Nuggets On The Go!(00:00:00) Introduction(00:00:45) Listing Inventory for Properties in All Districts(00:06:10) Shifting to a bigger or smaller property?(00:10:23) EM/EA/Jumbo is a collector's item.(00:12:06) Choosing Resale 3-bedders over Brand New 2-bedders(00:20:07) Symphony Suites(00:26:15) New Launches in 2024. On TOP will you Stay, Flip/Sell or Rent out(00:38:13) Part 2 Teaser(00:38:40) Outtakes

#56 Outlook for Shoebox Units, Early Investments & Condo and Landed Appreciation Power

Melvin Lim from PropertyLimBrothers addresses more questions from our viewers about property investment and market trends!What is the future demand for shoebox units? Would a $100 PSF increase be as significant to larger units? Is a new launch always better than and resale? And what is the comparison between 99-year, 999-year and freehold condo and landed properties? Watch on for answers to the different conundrums our viewers face in the real estate market.More questions on property yet to be answered on Ask Me Anything on Nuggets On The Go! Do join our NOTG Telegram channel and be a part of the conversation in our community!(00:00:00) Intro(00:00:55) After COVID, why are bigger units more popular?(00:05:47) Will shoebox units gain more demand in the future?(00:12:50) Start earlier on a small unit or wait for a 2-bedder?(00:17:46) Capital Growth of Cluster landed against Pure Landed or Freehold Condo(00:27:55) Outtakes

#55 What is PLB’s MOAT Analysis | Part 2 - A Closer Look At Region Disparity & Quantum Effect

In an ideal world, cheap is often better, but there are other considerations other than quantum to take note of. Part 2 of “What is PLB’s MOAT Analysis” continues the team’s dive into its intricacies, focusing on Region Disparity and Quantum Effect. Find out what Melvin Lim, Yu Rong, George and Grayce has to say about how these elements tie together, and how property buyers can make an informed decisions when armed with the knowledge. Join them as they break down PLB’s frameworks for much easier understanding—on Nuggets On The Go!Check out Melvin’s brief introduction into PLB’s new Pacer framework on this episode on our main PLB channel as well!(00:00:00) Introduction(00:02:16) Price triumphs everything(00:07:59) Pairing Strategy(00:09:41) Hybrid Buyers(00:10:59) Exit audience(00:15:45) Why people move towards a different estate?(00:17:31) How a Buyer perceives Price Acceptability to make an offer(00:23:19) People also affect the sale property(00:24:27) Price right after renovation(00:25:56) Make your property look more 'Atas'(00:27:24) PLB latest technology(00:29:35) Hunting for an undervalued property(00:31:12) PLB's Pacer framework(00:31:36) Closing thoughts(00:31:58) Outtakes

#54 What Is PropertyLimBrothers’ MOAT Analysis?

You may have heard us refer to it numerous times on our Home Tours, but what exactly is PLB’s MOAT Analysis? How did it come about and what does it do? On this episode of NOTG, Melvin Lim, Yu Rong, George and Grayce shed light on the genesis of the framework and its enduring relevance in navigating the ever-evolving property market. Additionally, they explore the potential future for Work, Live, Play in the CCR with its proposed rejuvenation.The team dives deep into the 10 key factors that make up the MOAT analysis framework, dissecting each component to reveal how it provides insights for homebuyers seeking the best properties to buy into according to their respective needs, and to anticipate their exit plans. From its inception as the very first PLB framework, and how PLB continues to improve on this framework, ensuring that it remains a cornerstone of strategic property analysis. All these and more on this episode of Nuggets On The Go!(00:00:00) Exercise & "Oh George"(00:01:16) What is MOAT Analysis?(00:12:34) Buying a property before the MOAT Analysis framework.(00:17:29) Less investors in CBD(00:25:54) Efficient layouts(00:27:40) MOAT Analysis for Altez(00:31:54) "Sweat Factor"(00:34:24) "Have you heard about the Volume Effect?"(00:39:12) Boutique Projects for investment.(00:41:05) Next episode teaser(00:41:31) Outtakes

#53 Embracing The Future Of Real Estate With PLB’s Proprietary PropTech Tools

Many of you should be familiar with our MOAT Analysis and Trifecta Analysis from our numerous Home Tours by now. On this episode of Nuggets On The Go, Melvin talks more about our suite of proprietary in-house tech tools and how you can use them to make the right property decisions and calculations.These suite of tools, are available through our online portal and can be utilised with or without the assistance of our consultants.With these tools, you could calculate potential profits, chart your progressions, chat with our AI chat bot about anything real estate, and many more! Tune in to Nuggets On The Go and take charge of your property journey today!(00:00:00) Introduction(00:01:24) PLB Nucleus App(00:02:30) Alana(00:02:58) Disparity Effect(00:03:20) Trifecta Insights (Free Consultation)(00:04:07) MOAT Analysis(00:04:49) AI Renovation Tool(00:05:07) PLB Journey Maker(00:05:53) New Launch Portal(00:06:08) PLB Website (NOTG, Educational Videos & Services)(00:06:35) AlanaChat(00:06:46) Property Profit Analyser(00:07:04) Closing thoughts(00:08:11) Outtakes

#52 What Happened When I Timed The Market - My Mistakes and Lessons In Real Estate

Ever made a costly mistake in real estate or investments? In this episode, Melvin Lim from PropertyLimBrothers shares his story of regret regarding the purchase of his jumbo HDB apartment and how he eventually incurred a financial loss; which was the result of timing the market. Melvin reflects on his property portfolio, talks about his personal anecdotes in his real estate journey, whilst putting his lessons into practice to create PropertyLimBrothers. He also speaks about how learning about property investment frameworks have helped him made better investment decisions.To understand more about the balance and between the happiness index and the investment methodology index and their respective significance, be sure to watch this episode of Nuggets On The Go!A shoutout to all who have joined our NOTG Telegram channel, thank you for your support! If you’ve not joined yet, don’t miss the conversations anymore! Join our NOTG community at t.me/notgpod. Stay up to date with our upcoming webinar dates on propertylimbrothers.com’s webinar tab!(00:00:00) Intro(00:01:38) Melvin's first home(00:02:27) Fundamental framework in buying a property in Singapore(00:06:44) Power of Reinvestment: Leveraging your first property for future expansion(00:10:25) Having confidence and understanding for investing into a property(00:17:04) PLB Assembly(00:18:54) Closing thoughts(00:21:02) Outtakes

#51 The Owner-Occupier Concept, Real Estate Controversies, & Future Floor Plans with GFA Harmonisation

We’re back with Part 2 of our AMA series on Nuggets On The Go! Some burning questions include: What are the implications of kick-starting the real estate journey with a condo or HDB first, and how would it affect the ability to ‘own’ both concurrently? Find out more about the ‘owner-occupier’ scheme and the investment dilemma of choosing between resale vs. new launch and property types.Curious about the pricing dynamics across different regions? Is HDB allowing million-dollar valuations? What about the future of penthouses? Is a penthouse a better investment avenue compared to a landed property or a shophouse? And how will the new GFA harmonisation rule affect the availability of such penthouse layouts in the future? Tune in for insightful discussions and practical advice!On that note, do remember to join our brand new Nuggets On The Go Telegram channel at t.me/notgpod, where you can stay up to date and connect with our community. Keep the questions flowing, and you’ll see them answered on Nuggets On The Go!(00:00:00) Intro(00:01:36) HDB owner-occupier scheme(00:07:27) Hold on to Condo and buy HDB(00:08:13) Best option for Singles(00:09:42) Small penthouses(00:12:29) Invest in a Landed or Shophouse(00:16:56) Boutique vs. Large Size Developments' valuation(00:19:02) Human psychology(00:23:15) New launch prices controlled by developers(00:28:09) New launch prices are the same in all regions(00:32:24) HDB matching valuation with million dollar flats(00:34:05) Is Dunman View still a good buy?(00:40:50) Young Singaporeans will be priced out in future(00:43:24) Outro(00:43:56) Outtakes

#50 Lentor’s Rejuvenation and What the URA Floor Area Harmonisation means for Buyers

You’ve probably heard a lot about Lentor’s rejuvenation, but what is it all about? In this episode of NOTG, Melvin Lim from PropertyLimBrothers explores the development and transformation of Lentor—once a sleepy town, now projected to become a thriving estate in the years to come. Let Melvin explain more about our government’s focus on injecting residential zones in this area.Lentor is poised to be a new concept in townships for private properties, collectively rejuvenating the entire Thomson-Yio Chu Kang-Ang Mo Kio region. Among the new properties being built in Lentor, four land plots have already been acquired by GuocoLand; known for their much-anticipated integrated development, Lentor Modern. This project will feature retail, residential spaces, and direct connectivity to the MRT. We are also eagerly anticipating their latest project, which will occupy the largest land plot in Lentor: Lentor Mansion.The Lentor area has experienced strong sales, as indicated by the performance of Lentor Hill Residences and Lentor Modern. However, with new projects, where the new GFA Harmonisation will take effect on, prevents developers from "selling" A/C ledges to buyers. While this will simplify understanding property prices for developers and consumers, it may result in a higher PSF price at a potentially similar quantum. This change could also lead to a shift in unit sizes for future projects. That being said, let Melvin's analysis between new launches and resale properties in the area help you decide which project to kick-start an investment.(00:00:00) Intro(00:00:41) Lentor new township(00:03:47) 2024 New Launches(00:04:41) Lentor’s Transformation(00:07:17) 1km radius | CHIJ St Nicholas Girls' School(00:08:18) Lentor Mansion(00:09:50) Guocoland Project | Guoco Midtown(00:11:21) Key USPs of Lentor Mansion(00:12:19) Lentor Surroundings(00:14:14) King of Lentor(00:16:53) Harmonisation Rule(00:27:33) Lentor’s Potential (00:29:38) How townships are developed(00:31:58) Supply Factor : Macro or Micro(00:41:27) Lentor Projects | Resale vs New Condo(00:47:41) Disparity Gap(00:48:29) Wrap Up