{"id":2338,"date":"2015-09-26T06:27:57","date_gmt":"2015-09-25T22:27:57","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=2338"},"modified":"2022-07-01T03:34:29","modified_gmt":"2022-06-30T19:34:29","slug":"4-things-to-consider-before-buying-the-most-expensive-home-you-can-afford","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/4-things-to-consider-before-buying-the-most-expensive-home-you-can-afford\/","title":{"rendered":"4 Things to Consider Before Buying the Most Expensive Home You Can Afford"},"content":{"rendered":"
<\/div>

\"things<\/p>\n

As residents of the little country that could, we\u2019re always looking upwards to the next best thing. Bought your first HDB flat? Great, now let\u2019s look to upgrading to a condo. Many people think nothing of taking a 30 year mortgage, not realising that they\u2019re going to spend almost their entire lives paying for their property. Before you sign up to buy the most expensive home you can afford, here are 4 things to consider.<\/p>\n

The possibility of a break from work or a fall in income<\/b><\/h3>\n

Buying your dream home, complete with rooftop jacuzzi and personal butler, might sound like a dream, but it\u2019s also a ball and chain. If your mortgage repayments are so hefty that you\u2019re taking a big chunk out of your monthly salary to make them, this essentially means you can\u2019t afford to quit or lose your job for a long time to come.<\/p>\n

You might be young and ambitious right now, but don\u2019t discount the possibility of a break from work or a fall in income somewhere down the road. For instance, someday an unexpected illness might put you out of work for a while. Your company might tank and you might retrenched. Or you might simply decide to take a sabbatical or make a career switch. If any of the above should happen, you\u2019ll want to know that you can still comfortably continue paying for your home, for very obvious reasons.<\/p>\n

The state of the property market<\/b><\/h3>\n

If you\u2019re buying a property mainly for rental income and investment potential, you\u2019ll want to take into account fluctuations in the economy when calculating your returns. While the Singapore property market is traditionally thought of as stable,\u00a0private residential property values have actually been on a downward slide for nearly two years<\/a>, and\u00a0condo rents are likewise falling steadily<\/a>. In addition, rental income depends to a large extent on immigration policy, which can be changed fairly quickly. We\u2019ve already seen\u00a0changes implemented on the hiring front for foreigners<\/a>\u00a0which will also affect their residency here. You might have an urge to buy the most expensive home but, will the state of the property market let you go for it?<\/p>\n

As such, even if you\u2019re going to rely on rental income to make your mortgage repayments, always ensure that in the event of falling rents, an inability to find a replacement tenant or a property downtown, you\u2019re still able to make your loan repayments without having to moonlight after hours.<\/p>\n

Interest rates<\/b><\/h3>\n

As a property purchaser, never forget that the property price isn\u2019t the only thing you\u2019re paying. Each month when you make your mortgage repayments, you\u2019re also paying a tidy sum in interest to the bank. But interest rates do fluctuate, and a 0.5% increase can result in your having to pay the bank thousands of dollars more in interest.<\/p>\n

As such, when you\u2019re calculating whether you\u2019re able to comfortably afford a property, don\u2019t forget to factor in not only the cost of interest payments but also the possibility that interest rates will rise. Continue to monitor your interest rates even after you\u2019ve signed up for a loan, as it might be prudent to refinance at some point. Check out MoneySmart\u2019s\u00a0home loan<\/a>\u00a0and\u00a0refinancing<\/a>\u00a0wizards to make sure you\u2019re not overpaying on your home loan package.<\/p>\n

Your expenses might increase<\/b><\/h3>\n

A property might look affordable to you at this point in your life, when your only responsibilities are keeping your alcohol tab under control and making sure Rover doesn\u2019t bite your neighbours. But at some point, as you make the transition to being a full-fledged grown up, financial responsibilities often start to pile up, and those home loan repayments just might start looking more onerous than before. Things doesn’t stop after you buy the most expensive home, they just start getting bigger and bigger.<\/p>\n

The most obvious expense would be children, should you choose to have them. If you intend to be a parent of the kiasu variety, you may multiply all child-related expenses by five. You might also decide to one day go to grad school, or purchase a car. As such, ensure that you leave some breathing room when trying to determine just how much you can afford to pay for a property, or you might find yourself having to give up a lot in life just for that rooftop jacuzzi. Need more tips on how to plan for that properly? Then you should definitely be\u00a0following MoneySmart on Facebook<\/a>!<\/p>\n

What factors have you taken into consideration when deciding whether you could afford to purchase a property? Tell us in the comments!<\/b><\/p>\n

MoneySmart.sg<\/a>\u00a0is Singapore\u2019s leading personal finance portal, and aims to help people maximise their money with powerful tools and engaging content.<\/em><\/p>\n

 <\/p>\n

If you found this article helpful, 99.co recommends Most expensive and best-selling properties Singaporeans chionged to buy in 2017<\/a> and Why your home is more expensive than you think<\/a>.<\/p>\n

Looking for a home that fits your needs and budget? Find it on Singapore\u2019s largest\u00a0property portal 99.co<\/a><\/p>\n

<\/h1>\n","protected":false},"excerpt":{"rendered":"

As residents of the little country that could, we\u2019re always looking upwards to the next best thing. Bought your first HDB flat? Great, now let\u2019s look to upgrading to a condo. 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