NOTG - Nuggets on the Go by PropertyLimBrothers

#49 Understanding PPI, Impacts of The 15-month Cooling Measure and 2024 Predictions

NOTG Banter is back for the first time in 2024! First thing’s first, Melvin Lim, Yu Rong, George and Joan from PropertyLimBrothers discusses Singapore’s Property Price Index (PPI) across all property types, in reference to the latest flash estimate for Q4 2023.Today in a very insightful episode: The team analyses the impact of last year's cooling measures and explore the performance of different regions, the effects of the 15-month rule introduced in September 2022, the potential outcomes if the PPI increases by a single digit or takes a dip into the negatives; and many more!Find out what the team examines and predicts for the 2024 real estate market, as they highlight the significance of holding onto real estate as an asset, especially in times of economic downturn. If the PPI experiences a dip, we discuss how it might present an opportunity for strategic real estate investments.Exciting news! We're thrilled to announce the launch of our new Telegram community channel! We’ve been receiving lots of questions from you and we want to respond swiftly! Share your thoughts—we want to hear from YOU!(00:00:00) Intro(00:02:34) George got chickenpox(00:03:37) Property price index graph(00:07:55) Volume of transactions(00:16:41) Propertylimbrothers Website New Tools(00:17:05) Does cooling measures impact the market?(00:22:23) Foreigners hunting for 60% ABSD(00:23:13) Predictions for landed properties in year 2024(00:24:53) Categories of landed properties(00:28:10) Easier to analyse a landed property(00:29:24) Summation of landed property price index for 2024(00:40:50) New NOTG Telegram Community Channel(00:44:09) 15-months ruling(00:51:06) Decision Matrix(00:59:00) After 15-months(01:03:24) Clearing out unsold condo units(01:12:26) Unsold completed condos(01:13:00) New launch or resale?(01:15:33) When the market dips, Buy or Sell?(01:20:59) Outro(01:21:15) Outtakes

#48 Portfolio Expansion, HDB + Condo Ownership & Ideal Rental Yield Properties

Thank you, NOTG viewers, for all your questions! Please keep them coming! In the meantime, Melvin Lim from PropertyLimBrothers answers a few more questions you've sent in!Some questions that you may relate to: What are the best property portfolio expansion strategies? How do you "own" one condo and one HDB at the same time?Stay tuned for another insightful discussion on more real estate strategies and considerations for future property investments!As always, please send in your questions via the comment section on Nuggets On The Go, email us at insights@plb.sg, or drop us a DM on the NOTG Instagram page. Also, sign up on propertylimbrothers.com to stay notified about our upcoming webinars and ensure you don't miss out on any real estate know-hows!(00:00:00) Introduction(00:00:56) Strategies for expanding of portfolio(00:05:07) Couple owning HDB and Condo(00:08:40) PR owning HDB and Condo(00:09:28) Moving from EC to freehold landed(00:10:54) Website Update(00:12:18) Choosing the right landed home category(00:15:50) Are Condos and Resale ECs treated the same?(00:18:49) Advice for first private property(00:24:22) Closing thoughts(00:24:56) Outtakes

#47 Ask Me Anything Episode 2 | NOTG

Welcome to Part 2 of “Ask Me Anything - Real Estate” on Nuggets On The Go! Melvin Lim from PropertyLimBrothers addresses some of our viewers’ dilemmas like future rental yields with people moving to JB, saving up to buy a house in the future or buying one in the near future. 2024—are we in a buyer’s or seller’s market and why? What decision-making factors to consider entering the real estate market? Find out what Melvin thinks!Don’t forget to leave your questions in the comment section for our future AMA sessions! Look out for more NOTG Banter episodes and a new series coming real soon. Stay tuned for a year filled with exciting content on Nuggets On The Go!(00:00:00) Introduction(00:01:18) Train from Singapore to Kuala Lumpur(00:07:24) For 2024, New Launch Condo or Resale Condo?(00:09:17) Responsibilities that come from owning a home(00:11:29) HDB Owner-Occupier Scheme(00:12:57) Is now a Buyer's or Seller's market?(00:14:54) Outtakes

#46 Property Stagnation Concerns, Market Adaptation & Mortgage Package Selections... HOW?

Welcome to the first NOTG episode of 2024! Melvin Lim from PropertyLimBrothers answers some of your burning questions about real estate in Singapore, from stagnant properties to the nuanced considerations of decoupling and more!Tune in for a wealth of real estate knowledge and strategic insights that will guide your property decisions and elevate your understanding of the market. Have you thought of any questions you have yet to obtain answers to? Leave a comment below, and we’ll address more of your inquiries in NOTG: AMA Part 2!(00:00:00) Introduction(00:01:02) Foresta resale price stagnating(00:06:07) Two 99 years condo or One freehold 999 landed?(00:08:02) What is pairing strategy?(00:10:17) Go into a TOP project who has gone up(00:14:07) 10 steps in MOAT Analysis (00:14:51) TOP in Woodleigh or Older projects in Central Location(00:17:29) Comparing the Two Mortgage Packages(00:19:28) 3-Bedder for $1.2 mil in North East Region(00:20:28) Which has a better growth potential? Freehold Condo or Landed?(00:22:44) Formula for Absorption Ratio(00:25:35) Next episode's teaser(00:25:51) Outro(00:26:17) Outtakes

#45 Life Lessons I Learnt From My Property Investments | Melvin Lim

This last Nuggets On The Go episode of the year is a little bit close to home. Let Melvin Lim from PropertyLimBrothers take you on a trip back in time… his time—between 2004 to 2023; on his real estate journey.Melvin shares his timeline from mastering the fundamentals of property investing, to crafting innovative frameworks like the PLB MOAT Analysis, Trifecta, and Prime Hexagon, with pain points that contributed to his personal growth and the foundation of PropertyLimBrothers.NOTG would like to take this opportunity to thank you, our audience, for your support and viewership thus far! We’ll see you in 2024 for more real estate know-hows!(00:00:00) Intro(00:03:13) Melvin's first property(00:05:12) Melvin got into real estate industry(00:06:47) Post Lehman Brothers Crisis(00:09:14) Bought a Jumbo HDB(00:10:30) Invested in a Private Property(00:12:04) Invested in a Overseas Property(00:13:21) Invested in a Commercial Shop(00:14:21) Start of PLB(00:15:49) Learning from the mistakes(00:19:22) Conclusion(00:20:04) Outtakes

#44 Cracking the Condo Code 9: What Makes Singapore Real Estate Different Yet Lucrative?

What contributes to the gradual price movement of Singapore’s real estate market? What fuels its demand? To explain, Melvin Lim sheds light on the elements that shape and secure Singapore real estate, through the “economic moat” concept—a concept often attributed to Warren Buffet.Find out about the key foundations that make Singapore’s market the way it is on a macro level, so you can make make micro decisions for your real estate investment journey in 2024.Thank you for watching NOTG.Merry Christmas and a Happy New Year!(00:00:00) Intro(00:00:56) Popularity of Moat(00:02:26) 1. 15 Cooling Measures(00:04:56) 2. Limited Land Supply(00:06:13) 3. Population(00:06:58) 4. Policies(00:08:10) 5. No Oversupply(00:09:10) 6. High Ownership Rate(00:11:54) 7. Strong Governance(00:12:05) 8. Global Financial Status, 9. Strong Expats Pool(00:12:54) 10. Grants(00:17:49) Hidden Stability Engine in Singapore Real Estate Market(00:18:10) Conclusion(00:19:20) Bloopers

#43 Cracking the Condo Code 8: Buyer-seller confidence and Interest Rates over a 5-year Cycle

NOTG is back for another episode of Cracking The Condo Code on Nuggets On The Go with Melvin Lim from PropertyLimBrother! This time round, we embark on a journey to uncover the role of interest rates in the 5-year cycles, as we head into a new round in 2024. Find out why interest rates no longer behave in the same predictable manner post-2009, and what to anticipate with the new 5-year cycle set to unfold. Melvin Lim shares 10 key factors that shape Singapore’s real estate landscape, the complexities that make our prices not necessarily reliant on interest rates!(00:00:00) Intro(00:00:50) Disparity Gaps Status(00:03:29) Why do Interest Rates play a big role?(00:08:22) Interest Rates behaviour after 2009(00:09:51) Interest Rates plays with Emotions(00:13:07) Understanding the 5-year cycle(00:23:57) Singapore's Moat(00:25:19) What will happen in 2024?(00:26:30) Outtakes

#42 The Art and Science of Investments in Singapore Real Estate — Part 2

Join in as the NOTG team dives into part 2 of the art and science of real estate investments! Melvin Lim, Yu Rong, Grayce and Joan from PopertyLimBrothers talk new launch performances according to buyer behaviour patterns, leading to market highs in OCR areas. From dissecting the allure of 2+ study layouts to understanding pent-up demand driving highly anticipated mixed developments like Amo Residence and Lentor Modern, they explore the intricate factors shaping buyer preferences and investment choices.The team also discusses about how some Singaporeans to invest in new launches despite economic uncertainties, shedding light on their deployable income and the psychological influence of FOMO in the market. The discussion extends to forecasting the stabilisation of Fed rates by 2024 in Singapore, advising caution against long-term fixed-rate packages and advocating for flexibility in refinancing strategies. Find out what the team thinks about the anticipated impact of interest rates on real estate while navigating the transition from renters to property owners and its ripple effect on landlords and rental prices.For comprehensive insights into the evolving real estate sphere, providing crucial knowledge that could influence investment decisions, be sure not to miss this condensed yet insightful exploration of the property market’s dynamics and trends that could shape its future!(00:00:00) Recap(00:01:03) J'den sells 88%(00:09:22) Investing in J'den(00:14:57) Interest rate next year(00:19:45) "Interest rate has fallen"(00:23:23) PLB is bullish?(00:30:05) New Launch success(00:31:21) Public Housing in Singapore injection of funds(00:35:17) Stock Market(00:36:26) Investment property(00:41:07) Asking rents price falling(00:49:00) Outtakes

#41 The Art and Science of Investments in Singapore Real Estate — Part 1

Welcome back to another engaging 2-part Nuggets On The Go! We’re joined by Melvin Lim, Grayce Tan, Joan Loh and Yu Rong from PropertyLimBrothers, where they discuss your comments on our previous episodes, about investments, real estate and navigating the complexities of the financial landscape.The team delves into the intricacies of market uncertainty, stock market crashes and the possibility of a recession, and how those may affect your choice to invest. Sharing perspectives on the different between leveraging a private property’s mortgage vs paying your HDB down payment, as well as exploring investment perspectives, tactics in property investment, watch on for some valuable insights for both seasoned and novice investors.(00:00:00) Introduction(00:01:36) How to eat crab?(00:02:40) Fake good news(00:05:43) Commiting to a big purchase(00:08:59) Year 2020 Price Index(00:09:39) Investing in Singapore(00:14:19) Investing in the stock market(00:16:51)Singapore household debt drops(00:19:48) Loan interest rates(00:26:03) PSF vs Quantum(00:33:06) Next episode...(00:34:02) Outtakes

#40 The Buyer’s Dilemma: Chasing Prices In An Ever-evolving Market Part 2

Melvin Lim, Yu Rong, Sebastian & Alexa from PropertyLimBrothers continue their exploration into micro factors that could affect property price. Is inflation the only reason why prices increase? Are micro factors not as important as macro factors? Tune in to as they continue to unravel what makes the real estate market how it is, and find out what factors influence buyers to invest their money in a property. Get a deeper understanding of the forces shaping the real estate landscape!(00:00:00) Recap(00:01:06) Good debt(00:05:22) Alexa's life regret(00:09:45) Yu Rong's JC teacher (00:12:44) Financial Literacy(00:14:05) Like father, like son?(00:15:20) What affects property prices?(00:17:38) ACS Moving(00:20:51) Micro factors & Macro factors(00:26:47) Alexa On The Go(00:28:11) Which MRT station will people choose?(00:29:53) Investment & own-stay approach(00:31:54) Investing outside of Singapore(00:37:59) Outro(00:38:26) Bloopers