{"id":29087,"date":"2019-08-30T21:39:52","date_gmt":"2019-08-30T13:39:52","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=29087"},"modified":"2022-06-13T17:24:01","modified_gmt":"2022-06-13T09:24:01","slug":"our-parents-the-unsung-heroes-behind-every-home","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/","title":{"rendered":"Our Parents \u2013 The Unsung Heroes Behind Every Home"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>HSBC\u2019s Beyond the Bricks 2019 surveyed over 11,000 people across 10 countries. That includes 1,000 respondents from Singapore, on their attitudes towards home ownership.<\/p>\n<p>The survey shows Singaporean respondents spend three times longer reading about property than hanging out with their children. And while it\u2019s terrifying to think someone out there knows the Gross Floor Area of new launch condos better than their children\u2019s well-being, that probably isn\u2019t what\u2019s happening.<\/p>\n<p>Singaporeans are precise about choosing the right investment property because we care for our children. We know how amenities, cost, and estate planning all factor into our children\u2019s future.<\/p>\n<p>Some traits that we\u2019ll never grow out of:<\/p>\n<ul>\n<li>Natural habits in wanting the best education for their children<\/li>\n<li>Family that bonds together, stays together<\/li>\n<li>Making sure their children\u2019s friends aren\u2019t all Xbox screen names<\/li>\n<li>Where quality meets\u00a0affordability<\/li>\n<\/ul>\n<h3><strong>Natural habits in wanting the best education for their children<\/strong><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-29097\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/08\/shutterstock_116498947.jpg\" alt=\"\" width=\"4992\" height=\"3328\"><\/p>\n<p>Yes, yes, we\u2019ve all heard that <a href=\"https:\/\/www.moe.gov.sg\/education\/education-system\/every-school-a-good-school\">every school is a good school.<\/a> But Singaporeans, we\u2019re told, are kiasu about school grades. This is apparently even a positive trait to some (maybe it shows how driven we are?)<\/p>\n<p>Regardless, many Singaporeans will seek out a property near a school they consider to be prestigious, like Nanyang Girls School, Raffles Institution, etc. This is because, grades aside, being close to the schools improve their chances of getting in during balloting.<\/p>\n<p>Besides grades, there\u2019s also a cultural element. There are families in which grandparents, parents, and siblings have all attended the same school. Some parents want the possibility of having their children placed under teachers they themselves had (and therefore trust).<\/p>\n<p>Just as many parents credit their school with having the right culture that led to their success, like support for innovative thinking, or positive behavioural reinforcement.<\/p>\n<p>This is why it is common to see big crowds at showrooms, whenever a unit near a prestigious school becomes available.<\/p>\n<h3><strong> Family that bonds together, stays together<\/strong><\/h3>\n<p>Singapore has seen a <a href=\"https:\/\/www.singstat.gov.sg\/-\/media\/files\/publications\/ghs\/ghs2015\/ghs2015.pdf\">rise in number of dual income families<\/a>. With both parents out working, someone has to look after the children. Singaporeans usually have three alternatives:<\/p>\n<ul>\n<li>Day care centres, which have limited operating hours; and the parents have to be living nearby for practicality<\/li>\n<li>Domestic helpers; but parents must be careful to hire the right person, and trust can be an issue<\/li>\n<li>Grandparents, and this is also great for family bonding<\/li>\n<\/ul>\n<p>As such, most Singaporeans have good reason for seeking homes close to their own parents \u2013 14.5 per cent of home-buyers in Beyond the Bricks also raised safety as an issue; and a simple way to ensure that is to have family nearby helping to watch the children.<\/p>\n<p>Besides a trusted extra pair of hands, children and grandchildren also have a chance for closer, sustained interaction. This helps to build stronger family bonds \u2013 we don\u2019t want children to see grandpa and grandma as ang pao dispensers once every Chinese New Year. It\u2019s also healthy for grandparents, to stay involved in family activities.<\/p>\n<h3><strong> Making sure their children\u2019s friends aren\u2019t all Xbox screen names<\/strong><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-29095\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/08\/shutterstock_110610338.jpg\" alt=\"\" width=\"3800\" height=\"2529\"><\/p>\n<p>Property works differently for parents, than it does for other demographics. Case in point: the amenities of \u201ccentral living\u201d.\u00a0 HSBC\u2019s research shows that more than 50 per cent of Singaporeans intend to buy a home that\u2019s a better place to bring up children, in the next two years. With 48 per cent of respondents saying their motive for moving included having a more active lifestyle for the family, as well as a better mental health and a safe environment.<\/p>\n<p>The most desired properties in Singapore are considered to be near the Central Business District, or in areas like Orchard Road. But while these places are packed with shops, restaurants, and so forth, they lack the open spaces found in heartland areas such as Punggol, Sembawang, and Lim Chu Kang.<\/p>\n<p>The neighbourhoods, while technically \u201cless developed\u201d, may be better for children: they provide ample space to run and play along park connectors and nature walks. With heartland areas that are less densely populated; children can laugh, be noisy, and be themselves. Ask the children who grow up near Bedok jetty, for instance: they\u2019re more likely to have gone fishing off the pier with mum and dad, compared to someone who lives in the more central Tanjong Pagar.<\/p>\n<p>This ensures children don\u2019t just glue themselves to Xbox, iPads, game consoles and have friends that are just screen names. They are more likely to build the social skills and connections that will serve them better in life.<\/p>\n<h3><strong>Where quality meets\u00a0affordability<\/strong><\/h3>\n<p>According to HSBC\u2019s survey, about 40 per cent of Singapore home buyers put off having children because they want to secure a home first, also 24 per cent are concerned about getting a home that\u2019s most value for money. For many of them, this stems from fears of housing prices: we\u2019re worried that we\u2019ll find ourselves without a good home when the children come along. To which we have some good news:<\/p>\n<p>Homes in Singapore \u2013 even private housing \u2013 can be more affordable than many Singaporeans believe. That\u2019s because when you get a home loan for your first home, the minimum cash down payment is five per cent of the property price or market value (whichever is lower).<\/p>\n<p>For example, you only need to pay five per cent of your property value or price in cash (whichever is lower), when taking a bank loan. Many of the other costs \u2013 such as stamp duties, legal fees, and the monthly repayments \u2013 can all be paid through your CPF Ordinary Account.<\/p>\n<p>HSBC offers <a href=\"https:\/\/go.99.co\/hsbc-loans\">a suite of home loan packages<\/a> that cater to every buyer\u2019s lifestyle needs:<\/p>\n<p>You can choose between two or three-year fixed rate loans for stability, to avoid rising interest rates. Alternatively, you can peg your interest rate to HSBC\u2019s Time Deposit Mortgage rate or SIBOR rate. Plus, you can also enjoy more savings and own your home faster though the option of HSBC SmartMortgage. Maximise your savings, and control over your home loan with <a href=\"https:\/\/go.99.co\/hsbc-loans\">HSBC\u2019s full suite of options<\/a>.<\/p>\n<h3><strong>Singapore\u2019s housing challenge is easy to beat<\/strong><\/h3>\n<p>With the flexibility of <a href=\"https:\/\/go.99.co\/hsbc-loans\">HSBC\u2019s Home Loans<\/a> and powerful search tools like 99.co, it\u2019s easy to raise hopes for parents. Speak to an HSBC Mortgage Specialist today to help you work out the right solution to your financial needs.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/go.99.co\/hsbc\"><strong>Click here to enjoy greater savings now!<\/strong><\/a><\/p>\n<p style=\"vertical-align: middle;\">In partnership with <img decoding=\"async\" class=\"wp-image-28411\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/07\/hsbc_logo.png\" alt=\"\" width=\"100\" height=\"27\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HSBC\u2019s Beyond the Bricks 2019 surveyed over 11,000 people across 10 countries. That includes 1,000 respondents from Singapore, on their attitudes towards home ownership. The survey shows Singaporean respondents spend three times longer reading about property than hanging out with their children. And while it\u2019s terrifying to think someone out there knows the Gross Floor&hellip;<\/p>\n","protected":false},"author":66,"featured_media":29093,"comment_status":"closed","ping_status":"closed","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":"no","_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":[53593,57131],"tags":[54245,55703,54554,55337],"persona":[],"class_list":{"2":"type-post","13":"entry","14":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Our Parents \u2013 The Unsung Heroes Behind Every Home - 99.co<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Our Parents \u2013 The Unsung Heroes Behind Every Home\" \/>\n<meta property=\"og:description\" content=\"HSBC\u2019s Beyond the Bricks 2019 surveyed over 11,000 people across 10 countries. That includes 1,000 respondents from Singapore, on their attitudes towards home ownership. The survey shows Singaporean respondents spend three times longer reading about property than hanging out with their children. And while it\u2019s terrifying to think someone out there knows the Gross Floor&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-08-30T13:39:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-13T09:24:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/08\/shutterstock_395044312.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"8128\" \/>\n\t<meta property=\"og:image:height\" content=\"5792\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"99.co\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"99.co\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/\"},\"author\":{\"name\":\"99.co\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/f85400227d8b4e426d6ee684f30bacc7\"},\"headline\":\"Our Parents \u2013 The Unsung Heroes Behind Every Home\",\"datePublished\":\"2019-08-30T13:39:52+00:00\",\"dateModified\":\"2022-06-13T09:24:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/\"},\"wordCount\":1084,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/08\/shutterstock_395044312.jpg\",\"keywords\":[\"children\",\"first home\",\"home loans\",\"parents\"],\"articleSection\":[\"Financial News\",\"Property News\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/our-parents-the-unsung-heroes-behind-every-home\/\",\"name\":\"Our Parents \u2013 The Unsung Heroes Behind Every Home - 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