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Teo See Hwa

The first step is the most difficult, call 87821025 for a 1 to 1 sharing on how to do Asset Progression in the current market.

Teo See Hwa

MArketing Associate at Propnex

About

The first step is the most difficult, call 87821025 for a 1 to 1 sharing on how to do Asset Progression in the current market.

Credentials

MArketing Associate at Propnex

Teo See Hwa

MArketing Associate at Propnex

  • Answers (74)
  • Questions (3)
  • Reviews (0)

Loans

Property

Which is the better loan option to take for HDB BTO? HDB or Bank Loan? What is the typical loan amount as a % of property price? If one has ability to pay up for the property, should one do so and reduce the % of property price that is using loans?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Updated on 06 May 2020
Without knowing your potential not much to share which is better for you. 1. When you bought BTO. 2. Monthly income and household income 3. OA, SA, MA, and cash on hand. 4. The number of dependents parent, the parent-in-law children. 5. Highest qualification.
ūüĎć 0

Property

Investments

Am in the early 30s with approx 200-250k in cash and equivalents, would it make sense to invest in a property by taking up a bank loan or stick with liquid assets like equities/ETFs?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Answered on 19 Mar 2020
Just sharing. Bought private in 2006, 20% down payment leverage 80%. 20% x $535,000 = $107,000, loan $428,000. 2010, UOB bank valaution $1,550,000. Property is about leverage. It is a double edge sword.
ūüĎć 0

Investments

Property

I will most probably be buying a house in 4-5 years time. Would you advice to save up the house fund in bank or buy safe stocks and sell it 4-5 years later to fund for housing expense (reno etc.)?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Answered on 19 Mar 2020
Never save to buy property, you will never buy when property price increase. Buy what you can instead and upgrade later.
ūüĎć 0

HDB BTO

Property

What's the difference between these 3 HDB options?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Answered on 19 Mar 2020
Just for sharing. I loan max in 1996 about $200,000 for my second HDB even after I get my $180,000 profit from my first HDB when I don't know what to do with money. Fast forward, now I have 2 condo and a HDB officially. When you don't have the cash and opportunity happen, you lost the opportunity.
ūüĎć 0

CPF

Retirement

Property

Just sold property. What should I do with the excess cash of 500k?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Answered on 19 Mar 2020
Just sharing, I help my son who just start work to down payment for his first private condo.
ūüĎć 0

Property

Condominium

HDB BTO

Investments

Is investing in BTOs/ exec Condos a viable property investment strategy?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Updated on 19 Mar 2020
Property is long term investment minimum 3 years. Like all investment there are risk. The more information you have the lesser is the risk. Talk to someone who is vested.
ūüĎć 0

Family

CPF

Property

HDB BTO

Resale HDB

My girlfriend and I are in the late 20s, and we recently applied for the TPY BTO. Is it worth it to stick to the BTO (ready in 2026) and rent meanwhile? Or should we buy a resale flat?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Updated on 19 Mar 2020
Depends on your 1. Age, 2. Earning prospect, 3. cash on hand, 4. CPF OA, 5. Timeline, 6. Rental income or 7. Capital appreciation
ūüĎć 0

Property

Family

Investments

Savings

How do you hedge against rising property prices when you are not ready to buy a property yet?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Answered on 19 Mar 2020
You can do a part purchase.
ūüĎć 0

Property

Resale HDB

CPF

Can a secondary joint owner of a HDB flat use her CPF to help pay for the flat?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Answered on 19 Mar 2020
Never do that. It will limit your choice later.
ūüĎć 0

Property

Lifestyle

Family

Investments

Which new condo project is recommended?
Teo See Hwa
Teo See Hwa, MArketing Associate at Propnex
Level 5. Genius
Answered on 19 Mar 2020
Depends on your Age, earning prospect, cash on hand, CPF OA, timeline, rental income or capital appreciation
ūüĎć 0
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