{"id":22255,"date":"2019-01-10T12:46:10","date_gmt":"2019-01-10T04:46:10","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=22255"},"modified":"2022-06-13T17:05:55","modified_gmt":"2022-06-13T09:05:55","slug":"sell-your-property-during-downturn","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/sell-your-property-during-downturn\/","title":{"rendered":"The Least Painful Way to Sell Your Property During a Downturn"},"content":{"rendered":"
<\/div>

Cooling measures may be great for buyers, but they\u2019re terrible news for some sellers \u2013 there\u2019s little you can do if prices start to drop due to cooling measures, or if the economy tanks. Sometimes though, you have no choice and must offload your property, even if times are bad. When that happens, minimise the damage by doing the following:<\/p>\n

\"Property
It’s not impossible to avoid losses, even during a property downturn.<\/figcaption><\/figure>\n
    \n
  1. First, verify that a low price is due to the overall market, and not a specific factor of your property<\/strong><\/li>\n<\/ol>\n

    Ensure your low valuation \/ offers are not due to a specific factor of your property, rather than the overall market.<\/p>\n

    One sign of this is when your property has a valuation that\u2019s notably lower than surrounding units; this suggests a problem specific to your house, rather than the overall market.<\/p>\n

    For example, your property may be getting low offers because it looks more run down, or because it has more maintenance problems (broken water heaters, warped flooring, etc.) These are all fixable issues.<\/p>\n

    Alternatively, it might be due to a temporary effect, which will be over if you can just wait a while. For example, a new launch in the area might momentarily steal the limelight from resale units nearby.<\/p>\n

    Talk to a real estate agent to get an analysis of the situation.<\/p>\n

      \n
    1. Work out your holding power, and develop a plan around it<\/strong><\/li>\n<\/ol>\n

      Your holding power refers to how long you can keep paying for the property (i.e. pay the mortgage, maintenance fees, and taxes), before you are forced to offload it, even at a losing price. This is especially important during a property downturn.<\/p>\n

      This is one reason we repeatedly tell buyers to save up at least six months\u2019 worth of the mortgage \u2013 it gives you much more holding power, so you don\u2019t need to settle for a low price right away.<\/p>\n

      As a loose idea of how this works:<\/p>\n

      You can divide the time you have into two halves \u2013 for the first half, you can persist in trying for the price you want. When you get to the second half, drop your asking price to what your agent says is more realistic.<\/p>\n

      For example, if you have sufficient holding power for a year, then for the first six months you can persist in asking for the price you want. Your property agent should be doing her best to get you a sale at this price, even if she says it\u2019s high.<\/p>\n

      But when you get to the next six months, it\u2019s better to heed her advice, and accept your agent\u2019s suggested price point.<\/p>\n

      For a more detailed plan, discuss the situation with your agent. She can develop a more concise approach (e.g. agents might suggest new price points based on how much \u201ccolder\u201d prospects are getting, as well as the time you have).<\/p>\n

        \n
      1. Know about the possibility of private contracts (and also the risks involved)<\/strong><\/li>\n<\/ol>\n

        Sometimes, a buyer is willing to pay your price, but cannot secure the funding. One possible solution is to use a private contract. For example, you can have a contract for them to pay you regularly, if they can\u2019t get a bank loan.<\/p>\n

        You\u2019ll definitely need a law firm to do more work for this, so brace for additional legal costs.<\/p>\n

        Also, before you agree to such situations, be aware of the risks involved. Consider what will happen if, for example, the buyer fails to continue payments (and why the buyer can\u2019t secure a bank loan in the first place).<\/p>\n

        If you\u2019re dependent on the proceeds of your former home to buy a new one, this is inadvisable and dangerous<\/em>; you\u2019ll be left in the lurch if the buyer defaults. Don’t let the property downturn rush you into a bad deal.<\/p>\n

        But if you\u2019re an investor who\u2019s willing to take the risk, and you find the buyer credible, this is one way to get the price you want even in a downturn.<\/p>\n

          \n
        1. Prioritise how much you need, not how much you can get<\/strong><\/li>\n<\/ol>\n

          Have a clear idea of how much you absolutely need to make from the sale (especially if you\u2019re a genuine home owner and need a new place to live). Don\u2019t obsesses too much over the capital appreciation of surrounding units, and how much you could potentially <\/em>get.<\/p>\n

          Remember, your situation is different from that of a regular seller. If you\u2019re selling in a\u00a0 property downturn, you are acting on need rather than profit \u2013 it\u2019s better to be realistic and accept some degree of loss, than to hang on to a house that\u2019s become a liability.<\/p>\n

          If you stubbornly hold on, paying for the house will eventually eat into your retirement fund, or cause you to take on high interest debts. That could turn a mere financial setback into a life-destroying event.<\/p>\n

            \n
          1. If you absolutely cannot accept the price you\u2019d get, then don\u2019t forget renting<\/strong><\/li>\n<\/ol>\n

            There may be a situation where the price you get is insufficient to find a new home, but you also cannot afford to keep paying for the house. In this dire situation, you may have to consider the discomfort of renting out rooms, or renting out the house.<\/p>\n

            This might mean moving in with parents or other family for a time, while you rent your own home out (or squeezing in with strangers). It\u2019s probably far from ideal \u2013 but if it\u2019s possible, this is one way to relieve some of the costs.<\/p>\n

              \n
            1. Don\u2019t use multiple agents<\/strong><\/li>\n<\/ol>\n

              When times are bad, or you\u2019re in a rush, you especially need an agent that will prioritise your sale and be aggressive <\/em>about it. If you get multiple agents, all of them will prioritise the sellers who give them an exclusive deal first \u2013 and yours will fall on everyone\u2019s backburner.<\/p>\n

              You may see more listings for your property*. But listings alone are meaningless, if agents don\u2019t conduct regular viewing and only send the coldest prospects toward your house.<\/p>\n

              Besides, quality matters more than quantity, when you need an agent who can sell even in a property downturn.<\/p>\n

              *Largely useless and confusing, since those listings are likely to be repeated on the same property sites<\/em><\/p>\n

              Would you still sell your property during a downturn? Voice your thoughts in\u00a0the comments section or on\u00a0our Facebook community page<\/a><\/em>.<\/p>\n

               <\/p>\n

              If you found this article helpful, 99.co recommends\u00a099.co guides: All you need to know about private condo payment schedule<\/a> and Buying your first home: 5 mistakes that put your marriage at risk<\/a>.<\/p>\n

              Looking for a property? Find your dream home on Singapore\u2019s largest\u00a0property portal 99.co<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

              Cooling measures may be great for buyers, but they\u2019re terrible news for some sellers \u2013 there\u2019s little you can do if prices start to drop due to cooling measures, or if the economy tanks. Sometimes though, you have no choice and must offload your property, even if times are bad. When that happens, minimise the…<\/p>\n","protected":false},"author":65,"featured_media":22257,"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":[53593,53589,57131],"tags":[55255,55254,53804,53641],"persona":[],"class_list":{"2":"type-post","14":"entry","15":"has-post-thumbnail"},"acf":[],"yoast_head":"\nThe Least Painful Way to Sell Your Property During a Downturn - 99.co<\/title>\n<meta name=\"description\" content=\"Sometimes you need to sell your house in a property a downturn. 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