{"id":12792,"date":"2017-12-12T04:00:50","date_gmt":"2017-12-11T20:00:50","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=12792"},"modified":"2022-07-01T04:10:29","modified_gmt":"2022-06-30T20:10:29","slug":"should-ask-questions-home-buyers","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/should-ask-questions-home-buyers\/","title":{"rendered":"Should Ask Questions for home buyers in Singapore"},"content":{"rendered":"
<\/div>

\"home<\/p>\n

(Credits<\/a>)<\/p>\n

We doubt anyone buys a house recklessly, given that mortgage payments lasts most of our lives. We all know to go in like a cop-on-edge in an action movie, and demand some answers. The problem is, what questions are we supposed to even ask? For the new kid on the block in the property scene, here\u2019s our recommended list of Should Ask Questions (SAQs) home buyers need to press the seller\u2019s agent or seller on:<\/span><\/p>\n

    \n
  1. \n

    What have been the prices of the properties in the same area, over time?<\/b><\/h3>\n<\/li>\n<\/ol>\n

    A common mistake among home buyers (especially those entering the market for the first time) is <\/span>lack of research. <\/span><\/i>We\u2019re not just talking about looking up the lowest price on a comparison website (although you should<\/span> totally do that on 99.co<\/span><\/a>, it\u2019s free to use).<\/span><\/p>\n

    You should look at the historical transactions for surrounding properties<\/span>, <\/span><\/i>over the past five years. It\u2019s not enough to just see that your property\u2019s price range is \u201cabout right\u201d by comparison \u2013 you want to see if values are rising or falling across the neighbourhood.<\/span><\/p>\n

    This should weigh into your decision, when picking between two or more homes. A property might be well-priced now but in the long run, it might not appreciate as well as the other alternatives on your list.<\/span><\/p>\n

      \n
    1. \n

      What are URA\u2019s plans for the immediate area?<\/b><\/h3>\n<\/li>\n<\/ol>\n

      The Urban Redevelopment Authority (URA) has a master plan, which is updated regularly. This is where home buyers learn about the malls, senior citizen\u2019s homes, nature parks, etc. slated to make an appearance in the area.<\/span><\/p>\n

      You\u2019ll also get a heads-up on where new transport options, like train stations or bus interchanges, will be located.<\/span><\/p>\n

      While most salespeople go on and on about upcoming amenities, they seldom discuss the drawbacks. Home buyers need to give some thought to the <\/span>downsides <\/span><\/i>in the master plan. For example, what happens if you have a giant neighbourhood mall next to your condo? It has the potential to cause road congestions, and raise the noise level (especially on weekends).<\/span><\/p>\n

      Also, note that future construction may affect the view from your home. There may come a day when the scenery is replaced by the back of another block of flats, or said shopping mall.<\/span><\/p>\n

        \n
      1. \n

        How long has the property been on the market?<\/b><\/h3>\n<\/li>\n<\/ol>\n

        Are you buying private property? Then the developers face two important taxes you should know about: these are the Additional Buyers Stamp Duty (ABSD) for developers, and the additional Qualifying Certificate (QC) for foreign developers.<\/span><\/p>\n

        These require developers to complete and sell all units within a given time (five years for the ABSD, seven years for the QC). If they don\u2019t, they\u2019ll face a hefty tax based on the land price.<\/span><\/p>\n

        When a property is nearing its ABSD or QC deadline, and is close to being sold out*, there\u2019s a chance the price will plummet further. No developer wants to pay a massive tax, for the sake of having a few outstanding units, so you may see some big discounts.<\/span><\/p>\n

        If the deadline is close, you may want to risk waiting longer, to see if a discount emerges. Of course, there\u2019s also a chance someone may snap it up before you.<\/span><\/p>\n

        *<\/span>Properties that are too far from being sold out are seldom discounted. That\u2019s because, if the developer still has 70 or 80 per cent of a development left unsold, they\u2019re unlikely to meet deadlines even if they slash prices. They won\u2019t double their losses by also offering a discount.<\/span><\/i><\/p>\n

          \n
        1. \n

          If the property is under-development, what happens if there\u2019s a delay?<\/b><\/h3>\n<\/li>\n<\/ol>\n

          You may get a discount for buying under-development, because you\u2019re buying blind. But if you choose to risk that, don\u2019t forget to ask: what happens if there\u2019s a delay?<\/span><\/p>\n

          What if you must wait another six months, or even another year, for the property to be complete? That could feel like a very long time, if you need to rent while waiting (thus losing money), or live with in-laws (thus losing sanity).<\/span><\/p>\n

          Part of this means asking who the developer is, and Googling to check on their performance. If it\u2019s an obscure developer, or one with a reputation for being slow, then brace for the possibility of a late Temporary Occupancy Permit (TOP).<\/span><\/p>\n

          In some cases, however, developers will offer reassurances, or significant freebies if they can\u2019t get things done on time (e.g. huge furnishings vouchers).<\/span><\/p>\n

            \n
          1. \n

            What is the temperature like at different times of day?<\/b><\/h3>\n<\/li>\n<\/ol>\n

            Ask about where the sun comes in, based on the unit\u2019s facing. If the property is facing West or North-West, that\u2019s a red flag \u2013 these are ones that catch the full heat of the sun. By 1pm, simply looking at the window can feel like you stuck your face to heated frying pan.<\/span><\/p>\n

            Alternatively, some home buyers might not care (e.g. you love the heat, you are never home at that time). This could mean you should look for such a facing, and a discount to go with it.<\/span><\/p>\n

              \n
            1. \n

              How high are the monthly maintenance \/ management fees?<\/b><\/h3>\n<\/li>\n<\/ol>\n

              This is an often-overlooked detail, when it comes to the price. Remember that management fees vary based on your share value: a larger unit can saddle you with steeper monthly (or in some cases quarterly) payments.<\/span><\/p>\n

              Factor this cost into the overall price of the house, when working out affordability. For example, if the mortgage repayment already takes up 60 per cent of your monthly income (the maximum possible, under the Total Debt Servicing Ratio), are you still comfortable paying $400 a month because the condo has a concierge service? Or is a \u201csmart\u201d condo?<\/span><\/p>\n

              Remember these fees add to a substantial figure, over periods such as 10 or 15 years.<\/span><\/p>\n

                \n
              1. \n

                What are the actual eateries and retailers nearby?<\/b><\/h3>\n<\/li>\n<\/ol>\n

                Depending on how rich you are, Din Tai Fung may or may not be an eatery. Some of you would go there regularly, whereas the rest of us need to make layaways for two years to buy six of their <\/span>xiao long pau<\/span><\/i>.<\/span><\/p>\n

                Remember, just because there are amenities nearby, that doesn\u2019t mean they\u2019re amenities <\/span>to you<\/span><\/i>. A $125 per head French restaurant, across the road, is an \u201camenity\u201d on paper.<\/span><\/p>\n

                The same goes for retailers. There may be a mall right next door; but it\u2019s pointless if it\u2019s the kind of mall with no supermarket, and which sells things you\u2019d buy once a year.<\/span><\/p>\n

                It\u2019s best to take a walk around the area, and \u201cscore\u201d the amenities between 1 to 5. Do this for each house you\u2019re considering. <\/span><\/p>\n

                If you\u2019re interested in to read more of such articles, check out our previous pieces on <\/span>things Singaporeans think affect property values (which probably don\u2019t)<\/span><\/a> and <\/span>what kind of homeowner you\u2019ll be (according to your Myers Briggs\u2019 personality)<\/span><\/a>. <\/span><\/p>\n

                 <\/p>\n","protected":false},"excerpt":{"rendered":"

                (Credits) We doubt anyone buys a house recklessly, given that mortgage payments lasts most of our lives. We all know to go in like a cop-on-edge in an action movie, and demand some answers. The problem is, what questions are we supposed to even ask? For the new kid on the block in the property…<\/p>\n","protected":false},"author":21,"featured_media":54960,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53589,57131],"tags":[53621,54541],"persona":[],"class_list":{"2":"type-post","11":"entry","12":"has-post-thumbnail"},"acf":[],"yoast_head":"\nShould 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