{"id":31352,"date":"2020-02-23T10:00:37","date_gmt":"2020-02-23T02:00:37","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=31352"},"modified":"2022-06-13T17:24:41","modified_gmt":"2022-06-13T09:24:41","slug":"the-unexpected-perks-of-hiring-a-property-agent","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/the-unexpected-perks-of-hiring-a-property-agent\/","title":{"rendered":"The unexpected perks of hiring a property agent"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>So you\u2019re in the market to buy property. It\u2019s a major decision with lots at stake which can go either way: an experience filled with joy or one plagued with heartache.<\/p>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" class=\"giphy-embed\" src=\"https:\/\/giphy.com\/embed\/xUOrwlI2plti5cJfgI\" width=\"480\" height=\"270\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>Don\u2019t know how to navigate this quagmire of decisions, calculations and paperwork? I suggest hiring a property agent. And I\u2019m not talking about \u201cthat guy on Facebook who knows a lot about property.\u201d I mean a proper agent who is registered with the <a href=\"https:\/\/go.99.co\/CEASingapore\" target=\"_blank\" rel=\"noopener noreferrer\">Council for Estate Agencies (CEA)<\/a> and knows the legalities and policies regarding Singapore property.<\/p>\n<p>I went around the <a href=\"https:\/\/go.99.co\/99\" target=\"_blank\" rel=\"noopener noreferrer\">99.co<\/a> office and asked my colleagues to share their experiences about engaging a property agent.<\/p>\n<h2><strong>#1 You\u2019ll learn more about property<\/strong><\/h2>\n<p><em>\u201cThough I didn\u2019t end up buying an Executive Condominium, exploring my options with my agent meant learning more about the benefits of various properties, districts and investment strategies. I\u2019m definitely more informed now.\u201d<\/em>\u00a0 \u2013 Christine Tan, Designer<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-31354\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2020\/01\/property-agent-CEA-2.jpeg\" alt=\"\" width=\"1880\" height=\"1253\"><\/p>\n<p>Think you have a particularly complicated case? Agents handle a multitude of prospects. Their wealth of knowledge and useful contacts would also come in handy when clearing doubts you may have about property, such as whether having a rental income is a sure-fire way to pay off your mortgage or whether a freehold property is always better than a leasehold. Your agent would be able to advise if these are true or applicable to your situation.<\/p>\n<p>A good agent would also be able to give you advice on the prices of properties you&#8217;re interested in, helping you to avoid paying more than you should. They would likely have a good idea of the prices of similar properties in the neighbourhood and can help you negotiate a better deal.<\/p>\n<h2><strong>#2 You\u2019ll have a consultant by your side (possibly for life!)<\/strong><\/h2>\n<p><em>\u201cBuying property involves \u00a0a lot of legwork; the average time one takes to buy a home can range from six to nine months. Instead of handling this while juggling your day job, let a professional do it for you. It\u2019s far less stressful. And if you\u2019re lucky, you\u2019ll find a trustworthy agent for life.\u201d<\/em> \u2013 Ryan Ong, Property Expert<\/p>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" class=\"giphy-embed\" src=\"https:\/\/giphy.com\/embed\/3oEdv1vkhqxcynkB5C\" width=\"480\" height=\"192\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Six months is a long time, so a property transaction should be approached in the most efficient way. Good agents can guide you on the property transaction process, from calculations to the intricacies of grants you are entitled to \u2013 and tailor their advice to your specific needs. Not knowing the process well or figuring it out as you go along can stretch the timeline further.<\/p>\n<p><strong>P.S:<\/strong> When you&#8217;re looking for an agent, it\u2019s important to get a CEA-registered one. CEA is the statutory board that regulates property agencies and agents.<\/p>\n<p>You can check your agent\u2019s credentials by keying in their registration number or mobile numbers on the CEA <a href=\"https:\/\/go.99.co\/CEApublicregister\" target=\"_blank\" rel=\"noopener noreferrer\">Public Register<\/a>. You can find the registration number on the agents&#8217; name cards. The Public Register also has a listing of each agent\u2019s latest transactions so you can see how active the agents are and which neighbourhoods they are familiar with.<\/p>\n<h2><strong>#3<\/strong> <strong>Their commission is negotiable \u2013 yup, really!<\/strong><\/h2>\n<p><em>\u201cYes, agent commission is an added cost but I personally rather pay that than go agent-less. For those who DIY and get it right the first time that\u2019s great, but those who don\u2019t might commit costly mistakes. Too risky for me.\u201d<\/em> \u2013 He Ruiming, Creative Lead<\/p>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" class=\"giphy-embed\" src=\"https:\/\/giphy.com\/embed\/3o7TKJNFVZ4xCMriFy\" width=\"480\" height=\"244\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>A lot of agents ask for a 2 per cent commission, which works out to a $10,000 commission for a $500,000 HDB flat. For the average joe, this is still pretty pricey. Well, you\u2019ll be happy to know that contrary to popular belief, <a href=\"https:\/\/go.99.co\/agentcommission\" target=\"_blank\" rel=\"noopener noreferrer\">an agent\u2019s commission is actually negotiable<\/a>. There is no minimum nor maximum percentage set by the CEA.<\/p>\n<p>Have an honest and open conversation with your agent from the start \u2013 both about the duties you want him to undertake (for instance, do you want your agent to advertise the property you\u2019re selling or do you plan to handle this on your own) as well as the commission rate you\u2019re comfortable with.<\/p>\n<p>Once you are in agreement, document the agreed commission rate, scope of work, as well as the terms involved in an <a href=\"https:\/\/go.99.co\/estateagencyforms\" target=\"_blank\" rel=\"noopener noreferrer\">Estate Agency Agreement<\/a>. This is a contract to protect both your interests and that of your agent.<\/p>\n<p>Your agent will also ask you to fill in a <a href=\"https:\/\/go.99.co\/customersparticulars\" target=\"_blank\" rel=\"noopener noreferrer\">Customer\u2019s Particular Form<\/a>. This is a compulsory form and is one of the measures that property agents must take to prevent money laundering and counter terrorism financing. So cooperate with your agent on the form-filling.<\/p>\n<p><strong>P.S: <\/strong>You can have either an exclusive relationship or non-exclusive relationship with your agent. An exclusive relationship means you appoint only one agent\/agency for the property transaction. A non-exclusive relationship means you appoint several agents\/agencies and you pay commission to the one who successfully completes the transaction on your behalf.<\/p>\n<h2><strong>Before you go, remember that\u2026<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-31355\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2020\/01\/property-agent-CEA.jpeg\" alt=\"\" width=\"1880\" height=\"1254\"><\/p>\n<ul>\n<li><strong>Agents should not be handling any of their clients\u2019 monies<\/strong><\/li>\n<\/ul>\n<p>Be it down payment, rent, or commission fees, the client should be the only one making <a href=\"https:\/\/go.99.co\/CEAtransactions\" target=\"_blank\" rel=\"noopener noreferrer\">these monetary transactions<\/a>. Commission fees should also be paid to the agency, not the agent. It\u2019s best to stick to verifiable payment modes such as crossed cheques and bank transfers.<\/p>\n<ul>\n<li><strong>You must be your agent\u2019s only client in a single transaction <\/strong><\/li>\n<\/ul>\n<p>This means an agent <a href=\"https:\/\/go.99.co\/CEAagents\" target=\"_blank\" rel=\"noopener noreferrer\">cannot represent both seller and buyer<\/a> \u2013 or both tenant and landlord \u2013 in the same transaction. This is to avoid conflicts of interest, and to ensure that the agent works in his clients\u2019 best interests.<\/p>\n<p>Having said all this, you are free to handle the property transaction on your own if you are familiar with the property transaction processes. Just remember not to ask the other party\u2019s agent for help if you find yourself needing some guidance or help with the transaction. Engage your own agent if you think you could benefit from their expertise.<\/p>\n<p>Click <a href=\"https:\/\/go.99.co\/cea-4steps\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a> for more tips on engaging a property agent.<\/p>\n<p><em>Brought to you by CEA. <\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><i>Will you be hiring a property agent? Voice your thoughts in our comments section or on<\/i><a href=\"https:\/\/www.facebook.com\/groups\/yourpropertycommunity\/\" target=\"_blank\" rel=\"noopener noreferrer\"><i>\u00a0our Facebook community page<\/i><\/a><i>.<\/i><\/p>\n<p><i>Looking for a property? Find the home of your dreams today on Singapore\u2019s largest\u00a0<\/i><a href=\"https:\/\/www.99.co\/?utm_source=blog%20main%20site%20conversion\" target=\"_blank\" rel=\"noopener noreferrer\"><i>property portal 99.co<\/i><\/a><i>! You can also\u00a0<\/i><a href=\"https:\/\/www.99.co\/singapore\/insider\/1500-is-not-a-fixed-income-ceiling-for-rental-flats\/\" target=\"_blank\" rel=\"noopener noreferrer\"><i>access a wide range of tools to calculate your down payments and loan repayments<\/i><\/a><i>, to make an informed purchase.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>So you\u2019re in the market to buy property. It\u2019s a major decision with lots at stake which can go either way: an experience filled with joy or one plagued with heartache. Don\u2019t know how to navigate this quagmire of decisions, calculations and paperwork? I suggest hiring a property agent. And I\u2019m not talking about \u201cthat&hellip;<\/p>\n","protected":false},"author":94,"featured_media":31359,"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":"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":[54404,57131,53613],"tags":[53824,53596,53597],"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>The unexpected perks of hiring a property agent - 99.co<\/title>\n<meta name=\"description\" content=\"You&#039;ll learn more about property than you think! 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