No Money Down Property Millionaire Within 24 Months Work Book

HOW TO CREATE FINANCIAL
FREEDOM THROUGH PROPERTY

INVESTING IN 24 MONTHS OR
SOONER
By Marco Robinson
Advanced Property Course
http://YouTube.com/MarcoRobinsonAuthor
Copyright 2012, Marco

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Remember your first objective

Replace your salary with residual
income from property investing

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Singapores rental yields are worryingly low
Yields in Singapore dropped this year to

strikingly low levels, due to soaring
residential prices. Yields at 2.2% to
3.3% are fairly worrying. As is usual,
yields are higher for smaller sized
apartments. We remind readers that
these are gross rental yields, i.e., they
are calculated on the basis of the offered
rent, and are before vacancies, costs,
repairs, refurbishments or any other
expenses.

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http://www.globalpropertyguide.com/real-estatehouse-prices/S

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Property Price Index

Singapore

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STI PPI - HDB

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Housing Affordability
Singapore

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Malaysia

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United States

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United Kingdom
http://www.globalpropertyguide.com/ho
use-prices-indices/House-price-changesyear-to-end-Q2-2011

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GDP Growth Rate

Singapore

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GDP Growth Rate

Malaysia

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GDP Growth Rate

United States

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GDP Growth Rate

United Kingdom

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Age to Income Ratio

Singapore

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Country Investment
Ratings

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Housing Price to Income

Ratio
Singapore
Compared to Continent
The house price to income ratio is the

ratio of the cost of a typical upscale
housing unit of 100 square meters,
compared to the country's GDP per
capita. Normally this ratio will be much
higher in low income countries than in
high income countries.

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Round Trip Transaction

Costs
Singapore

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Rental Income Tax

Singapore

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Capital Gain Taxes (%)

Singapore

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House Prices Changes, 1

Year (%)
Singapore

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House Prices Changes, 5 Year

(%)
Singapore
House Prices Changes, 10 Year

(%)
Singapore

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Continued Slowdown of Growth

in Singapores Private Housing
Market
Oct 05, 2011 - By: Daniel Seifert
For the eight consecutive quarter since the final
quarter of 2009, private residential property
prices have continued to moderate, says a
recent flash estimate of the property index by
the URA (Urban Redevelopment Authority).
Their findings show that the index for the third
quarter 2011 rose by 1.3%, compared to a 2%
increase in the previous quarter.
Furthermore, non-landed private residential
properties showed an increase of 0.8% in the
Core Central Region, 1.1% in the Rest of
Central Region and 2.1% Outside the Central
Region in this quarter. In the previous quarter
of this year, non-landed private residential
properties increased in price by 1.6% (Core
Central Region), 1.1% (Rest of Central Region)
and 1.7% (Outside Central Region).
The public property market, on the other hand,
has been harder to curb. Earlier this week, the
Housing Development Board (HDB) released
figures detailing a rise in the resale price index.
Since the last quarter, prices increased by
3.8%, its highest rise this year. The first quarter
of 2011 saw the HDB price index growing by
1.6%, followed by 3.1% in the second quarter.
These figures are partly a result of measures
put in place in January of this year which have
created a dip in the public housing supply,
including a five-year minimum occupation
period for HDB tenants and a lowered 60%
loan-to-value ratio.

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Housing Affordability compare by

average salary
On 14 July 2011, The Straits Times published the research studies by NUS
Singapore for Applied and Policy Economics (Scape) on a different
perspective of calculating the housing affordability in Singapore.
Traditionally, the proportion of monthly income that goes into paying the
mortgage, called Debt-Service-Ratio is used to indicate the affordability of a
house purchase. If the ratio is less than 30%, or 0.3, it is considered as
affordable.
In this study, it goes further by calculating the total life-time income of a
30-years-old till age 65 on the affordability of the home loan. Therefore, if
the total mortgage to be paid is less than 30% of the total lifetime income,
then the housing is considered affordable. In this study, it detailed the
affordability based on 3%, 5% and 7% mortgage interest rate. The
conclusion is that only the bottom 10th percentile will not be able to
affordable a 3-room HDB flat. Those household in the 30th percentile
earning household income of $5,250 should be able to afford 5-room HDB
flat.
Short-term accessibility is also presented to measure the shorter-term
measure of affordability. It is defined by the ratio of the cash a 30-year-old
buyer needs to make all the upfront payments for a new home to his
household savings at that point in time. Upfront payment includes down
payment for a property and any COV payable for resale HDB flats. Savings
includes CPF balances. If the ratio is less than 1, meaning, savings is more
than the upfront payments, then it is accessible.
The study found that the current problem with property prices is
accessibility and not long-term affordability. For example, a 3-room HDB
resale flat in Yishun and Woodlands are inaccessible to the bottom 20% of
the income earners.
References :
1) The Straits Times, 14 July 2011 Page B4
2) http://www.fas.nus.edu.sg/ecs/scape/housing.html

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New & Upcoming Prime District in Singapore

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Wednesday, October 5, 2011

District 9,10,11 rents fall first time
in 4 years
"Housing rents in prime areas have dropped for the first time in nearly
four years, as uncertainty in the global economy meant fewer
executives are being hired, according to Jones Lang LaSalle (JLL).
The global property consultancy firm said average rents in Districts 9,
10 and 11 fell 1.4 percent in the third quarter from Q2, the first decline
since Q1 2008.
The drop was worse in the high-end residential segment, where Q3
rental rates plunged 1.9 percent from last year. Many experts said
fears regarding global economic uncertainty are starting to be felt in
the country, with companies halting hiring or holding back on
employment packages for existing staff."[1]
The prime area rents are usually above 6,000 SGD per month (no typo
error) and almost exclusively within reach of foreigners with expat
packages. According to the news, the below 6,000 SGD per month
rents (a normal(!) rental range for not so prime condominium units)
are still holding but since almost all segments of rental are foreigner
dependent, they are very sensitive to economy.

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The Millionaire Property

Investor
The 8 Principals of
Essential Mastery

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1. Know your property

goals
CLARIFY YOUR VISION
WHAT LIFESTYLE COMPELS YOU TO

ACT?

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1. Real Property Goals!

Why do you want to be a
Millionaire Property Investor?
How will you/they benefit?
Who will Benefit?
For what purpose is that extra
money generated from
property investment needed?
When do you need it exactly?
How much Extra Money do you
need exactly?

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2. NET WORTH

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2. Assets or Debt?
What are your assets? (things
you own that appreciate)
What are your liabilities? (things
that you own that depreciate)
What is your income? (list all
sources)
What are your outgoings?
(loans, mortgage, etc)
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NET WORTH CARRIED FORWARD:

________________________________
BY CASHING IN YOUR SHARES, INSURANCE POLICY,
JEWELLERY, GOLD & SILVER & ITEMS YOU HAVE NOT
USED FOR AT LEAST 6 MONTHS HOW MUCH CASH CAN
YOU GENERATE:
____________________________
HOW MUCH OF THIS CASH DO YOU NEED FOR YOUR
EMERGENCY FUND? (3 to 6 months salary):
____________________________
HOW MUCH CASH CAN YOU STILL USE: (total cash
minus emergency fund):
____________________________

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3. Know how much you

can borrow now!

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3. How much can you

borrow?
What is your credit bureau
Statement?
What is your blacklist Exposure?
What is your credit history with
lending institutions?
What are the Banks lending
Criteria?
How are you managing your
money?

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________________________________
BY REMORTGAGING OR SELLING YOUR EXISTING

PRIVATE PROPERTY OR HDB HOW MUCH CASH CAN
YOU GENERATE?: (80% LTV)
____________________________
WHAT IS YOUR NEW CASH AMOUNT YOU HAVE TO USE
INCLUDING BORROWING? (net worth cash +
remortgage/house sale):
____________________________

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4. KNOW HOW YOU

CAN LEVERAGE

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4. Leverage!
How can you gear DOWN your
negative liabilities?
How can you gear UP your
Assets?
What are your and your
stakeholders net income per
month?
What mortgage sum can you
borrow from the bank if the
mortgage payment can only be 40
to 70% of your net income per
month?
How can you BORROW more?

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NET WORTH TOTAL CARRIED FORWARD:

_______________________________
HOW MUCH CAN YOU BORROW AS AN UNSECURED
LOAN? (4 times monthly salary) & HOW MUCH BALANCE
DO YOU HAVE LEFT ON YOUR CREDIT CARDS YOU CAN
BORROW?:
____________________________
remortgage/house sale + unsecured loan):
____________________________

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_______________________________
WHAT ARE YOUR TOTAL LIVING MONTHLY
EXPENSES (include all cash it takes to live your
existing lifestyle?
____________________________
WHAT PROPERTIES CAN YOU BUY WITH YOUR
BORROWING POWER AND WHAT YIELD DO YOU
NEED TO PAY FOR ALL OF YOUR CURRENT
LIVING EXPENSES?
____________________________

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Continued..
LIVING EXPENSES?
_____________________________________________
__________
_____________________________________________
__________
_____________________________________________
__________
_____________________________________________
__________
_____________________________________________
__________
_____________________________________________
__________
_____________________________________________
__________

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5. KNOW THE LATEST PROPERTY

LAWS

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5. Latest Property Laws

What are the latest property
laws in Singapore and the
relevant investment country
(e.g 2nd property, property tax,
first time buyer, stamp duty, etc)
What documentation is
required to complete a property
transaction?
How is your purchase
protected?

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6. KNOW YOUR INVESTMENT

CRITERIA

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6. Investment Criteria
Capital Growth or Income?

BMV undervalue indicator?
Location?
Tenant profile?
Tenancy Agreement structure?
Net Yield you must achieve?
Monthly Income from rent you must receive?
Historical Capital Appreciation?
Type of Property?
Renovation Level?
How old/new must it be?
What are your target developers?
Who must you buy with?
Valuation Confirmed and leveraged?
What price range must it fall within?
What mortgage deal for this property must you secure?
(length in years; interest rate; flexi or fixed; exact penalties)

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7. Know your
research!!!!!!!!!

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7. Do your research.
See/Create Local Plan and Structure Plan

See Developers Plan and Developers track record
Establish area population
Population declining or increasing, at what rate, and WHY?
Demographic of area, (age group, income, occupations, time
poor, time rich, married, children)
Psychographic of area? (lifestyle, CBD, Beaches, Student
Education, green, entertainment, views, technology, industrial,
expat, local language, security, etc
Facilities for your target market? (schools, transportation,
shopping, restaurants, entertainment, parks, etc)
EIA & TIA (environmental impact assessment report and traffic)
Last transaction prices of specific units, condos, landed property
Historical ten/five year past record of appreciation,
depreciation....
Occupancy of building or area presently, declining or increasing?
Motivation for selling? Debt, Divorce Death.....

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8. KNOW YOUR ACTION

PLAN
VISION WITHOUT
ACTION IS A
DAYDREAM
ACTION WITHOUT
VISION IS A
NIGHTMARE

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8. Only Action makes the

difference!
100:10:3:1 rule?
Finding your target properties, what strategies? word
of mouth, newspaper, networking, trade shows,
agents, private investigations, condo management,
banks, auctions?
Meet vendor directly or agents?
Make offer on property verbal or written or through
third parties?
Get valuation, when from who?
Deposit strategy? bridge to own, loan, friend, proxy,
mark up?
Tenant strategy?
Loan strategy? personal or leveraged?
Wholesale purchase, private purchase?
Renovation strategy?
Legal Strategy?

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Essential Calculations

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PROPERTY
ASSUMPTION
Purchase Price
Monthly Rent
Annual Rent
Valuation
Deposit
Loan (90%)
Loan Term
Mortgage
Renovation Cost
Capital Appreciation
: $500,000
: $3,000
: $36,000
: $600,000
: $50,000
: $450,000
: 25 years
: $2,500
: $25,000
: 15%

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Simple Yield
Annual rental gross income
----------------------------------- X
100
purchase price
e.g:
$36,000
------------------ X 100
$500,000
= 7.2%

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Gross Yield
(1st year) Value + rental annual income purchase price
-------------------------------------------------------------- X100
purchase price
e.g:
$500,000
$600,000 + $36,000
---------------------------------------
------- X 100
$500,000
= 27.2%

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(following years)
Value + annual rental income - loan
balance
--------------------------------------------------- X
100
loan balance
e.g:
$690,000 + $36,000
$450,000
---------------------------------------------X 100
$450,000
= 61.3%

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Gross Deposit Yield

Annual Rental Income
-------------------------- X 100
Deposit paid
e.g:
$36,000
--------------- X 100
$50,000
= 72%

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Net Deposit Yield

Net Annual Rental Income (less mortgage
payments)
------------------------------------------------------- X
100
Deposit paid
e.g:
$6,000
------------- X 100
$50,000
= 12%

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Net Yield
Residual Annual Rent (less costs) + Asset
Appreciation
--------------------------------------------------------------X 100
purchase price or loan balance for subsequent
years
e.g:
$6,000 + $90,000
--------------------------- X 100
$450,000
= 21.3%

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Renovation Yield
Revaluation difference Renovation Costs
-------------------------------------------------- X
100
purchase price
e.g:
$90,000 $25,000
------------------------------- X 100
$500,000
= 13%

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Money Management

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Automate all recurring

payments
Inspect what you expect
Think BEFORE you spend what
return you are getting, do you
really need it
Micro-manage spending
Itemize all spending for one
month
Simplify your cashflow
management

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TOTAL WEALTH MODEL
FEEDBACK
AUTO-HYPNOSIS
HYPNOPOMPIC
NO
CHANGE
IMPACT
EXECUTION
AWARENESS
SHIFT
HYPERDRIVE
A-HA!!!
PSYCOPONICS
REALIZATION
SUPPORT
MENTORING

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Realize your state when you

are presented with new
information
NEUTRAL GEAR
cannot integrate, will defend own paradigm,
will not even try to invest.
HYPNOPOMPIC
1st GEAR Info will IMPACT you, not enough

understanding, have to digest more! ASK
QUESTIONS!

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Realize your state when you

are presented with new
information
PYSCHOPONICS
2nd GEAR Starting to have leverage,

knowing you have to change your
mindset!
HYPERDRIVE
Full understanding of information, confident

A-HA! Starting to plan for ACTION!

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Be aware of your state, heres

how to act on it!
NEUTRAL Identify your ineffective mindset
and realise you are defending an ineffective
system as it has not made you wealthy.
HYPNOPOMIC Listen intently, ASK lots of
questions to gain further understanding!
PSYCHOPONICS ASK more questions,
repeat, study, search for all missing links,
strive for more!!!
HYPERDRIVE Set your GOALS!, start
planning with the education you have, get
ready to execute, revisit psychoponics
constantly!

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Determine your outcome and

be clear. Growth and/or
income?
Investment Property
Consistent Cash-flow?
Capital Appreciation?
Tax Incentives?
Diversification?
Short or Long term?
High Deposit or Nothing Down?

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All Singaporeans & other

countries need somewhere to
live (demographics)
Terrace
Semi-D
Town House
Detached
Bungalow
Linked
Apartments
Condo
Penthouse (Low cost not a good match)
Shoplot
Office space
Service apartments (short term let)
Condotel (mixed use)

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NO BETTER LEVERAGE
You can buy 10 times more
property than stock with the
same investment
E.G. Prop $300,000
Initial Investment $30,000
Leverage $270,000
STOCK $30,000
Initial investment $30,000
Leverage 0 (or $30,000 IF margin call)

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To succeed you HAVE TO

1. KNOW the CYCLES (Location is great but timing
is everything)
2. KNOW the art of FINANCING

3. KNOW how to POSITIVELY GEAR all
of your PORTFOLIO for compound
growth.
4. KNOW how to NEGOTIATE

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1.KNOW the CYCLES

(Location is great but timing is everything)

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Economic clock and

general tools
Real estate buy rejuvenate
and hold
Real estate buy rejuvenate

and hold
Refinance in the same
market
Protect profits
Add to portfolio
on price dips
Holding for growth

Real estate for
cash flow
Real
Estate
Buying from
motivated sellers
Cycle
Business
Cycle
Buy bonds for

capital gain
Fixed
Interest
Commercial
property
Developer free
wholesale
Sell bonds
harvest gains
Buy high yielding

businesses
Buy rock solid businesses in
growth phase Wealth
Buy quality from

stressed developers
within 10 years
(macro cycle) Copyright 2012, Marco
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The MACRO INVESTOR CYCLE FOR

SAVVY INVESTORS
(residential real estate)
1. SHARE MARKET ENDS GROWTH
2. INVESTORS PROTECT THEIR PROFITS IN STOCK
MARKET BY SELLING THEIR STOCK AND
PROTECTING CASH IN BOND OR FD.
3. INVESTORS BUY BMV PROPERTY, REJUVENATE

LANDED PROPERTIES wait for increase in EQUITY,
remortgage, BUY OFF PLAN GROWING SUBURBS
WITH APPROPRIATE DEMOGRAPHICS. (after
correction phase)
4. INVESTORS BUY FROM DESPERATE SELLERS WHO
PURCHASED IN END CYCLE with CASH!@ (they
generated by remortgaging)
5. INVESTORS RECEIVE RESIDUAL INCOME FOR
LIFETIME.

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1. PROPERTY CYCLES
Every market has one, huge growth can happen for several years,
however the next cycle after this growth is different and wont be in
property but shares and business.
In any economic cycle, GET IN FIRST, use your leverage (capabilities)

(negotiation) (finance) to double and even triple your profits. Be
counter cyclical.
RESEARCH all areas for historical capital growth, KNOW what people
are looking for.
LOOK FOR CASH-RICH, TIME POOR SUBURBS, REJUVENATE IN

THESE AREAS
COUNT HOW MANY DWELLINGS VS. POPULATION THERE IS IN

THAT SPECIFIC AREA.
(Consider short term lower rent if cannot rejuvenate)
GO WHERE THERE IS A SHORTAGE OF ACCOMMODATION, HIGH

DEMAND FROM THE DEMOGRAPHICS OF THE AREA
HAVE A RULE NOT TO INVEST IN CEILING PRICES (END OF CYCLE)

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1. PROPERTY CYCLES
The ULTIMATE ENTRY OPPORTUNITY Stage
At this point the market has corrected, the stock market has
previously declined, but now is making ground again after a
long decline (could be 6 months to 12 months after the
market crash).
You are now at the beginning of another cycle, the beginning
phase is when the market starts picking up slowly after a
long decline. Prices start rising slowly, you must see this
pattern as most people fail to spot this opportunity.
In SUMMARY, the MINDSET at this stage is;
I can CAPTURE my profit NOW before the market BOOMS!. I
have nothing to lose and everything to gain

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1. PROPERTY CYCLES
The ACCELERATED GROWTH PHASE (BOOM!)
Investors are now confident as they can SEE the market rising,
they can SEE house prices rising, they can SEE OTHER
PEOPLE BUYING!
In this second stage you can still capture great growth in
properties but you have to be positioned financially to take
advantage of this cycle and have you borrowing power
maximised as this could only last 12 months to two years at
the most.
In SUMMARY the mindset at this stage is;
I have seen the SAVVY investors already make money. I am
going to FOLLOW the rich and make some good money
still

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1. PROPERTY CYCLES
The PEAK PHASE (Ceiling price END OF CYCLE)
This is the most common phase for inexperienced Investors to
enter the market.
The people with the weakest mindsets, the most afraid are
FOLLOWING THE HERD mentality, thinking if they dont act
now, they will lose out!
It almost always results in people waiting double or triple the
time to make a profit on their property while the savvy
investors have already made their money by entering the
market in the beginning!
In Summary this MINDSET is focused on;
I will lose so much IF I dont buy now! instead of WHAT THEY
WILL GAIN

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1. PROPERTY CYCLES
The CORRECTION PHASE
This is when PRICES drop! And people that bought at the end of the cycle feel
trapped. Many try and SELL as the prices keep dropping, to stop them losing
more money at near the end of the correction phase.
This correction can last years just like it is doing the USA right now.
The correction phase is a major part of the property cycle, and remember
SAVVY Investors have already SOLD or REMORTGAGED their properties to
capture the profit and have positioned themselves perfectly in order to buy
BMV properties in the correction cycle.
Summary mindset for people that bought at peak cycle;
Oh MY GOSH! I will never do that again, I will never buy property, I have
lost so much money!
Summary mindset for people that entered at the beginning of the cycle;
I have captured my profit and I am ready to now buy BMV property and
retire from my job as I have now guaranteed myself financial freedom

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2. FINANCING
STRATEGIES

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2. FINANCING
STRATEGIES
a) Remortgage
Remortgage your existing property (if
you have a private property with
equity) in the peak cycle (where you
gain the most equity

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2. FINANCING
STRATEGIES
b) Sell
Sell your existing property IF the
existing cashflow from the rental
yield is non-performing OR if you
cant remortgage (for example HDB)

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2. FINANCING
STRATEGIES
c) Cash Out
Use ANY fixed deposit OR Share
Holdings to purchase BMV
properties & surrender ALL
insurance policies and only get term
life/medical. (Cash out shares in
protect profit cycles)
Note on Fixed Deposits: Make sure
you have an emergency fund. 3 to 6
months salary.

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2. FINANCING
STRATEGIES
d) Bridging Loan
Sometimes you have no choice
than to obtain an UNSECURED
loan to bridge a BUY. This can be
credit card/personal
loan/friend/relative.

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2. FINANCING
STRATEGIES
e) Purge
Sell everything that you have not
used for at least six months in car
boot sale, friends, or ebay.
(This strategy can raise a deposit)

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2. FINANCING
STRATEGIES
f) Vendor
Finance
(Negotiation)
In desperate times sellers are
willing to split the deposit or
whole cost of a property over a
period of monthly installments,
that is possible for you to afford.

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2. FINANCING
STRATEGIES
g) Share
It is better to have 25% of
something than 100% of
nothing. If you cannot use the
previous 6 strategies, this is a
MUST option.
Note: Learn to build rapport with

everyone you know and explore
common goals.

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2. FINANCING
STRATEGIES
h) Trustee
No money, no honey, however
there is always a way. Consider
being a trustee for an investor,
take a share of the property.
Investors NEED trustees to extend
mortgages and credit!
Note: Attend EVERY investor event
you can and build rapport.

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3. COMPOUND
GROW
& Positively GEAR!

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The Benefits of decoding

the STRUCTURE PLAN & The
LOCAL PLAN

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STRUCTURE PLAN / LOCAL PLAN

WHAT IS STRUCTURE PLAN /LOCAL PLAN?
PLAN THAT GIVES YOU AN OVERVIEW AND

OUTLINE OF THE DEVELOPMENT THAT IS
PROPOSED IN THE AREA.
IT ALSO GIVES YOU THE CURRENT STATUS, IN
TERMS OF LANDUSE AND DEVELOPMENTS AND
WHAT WE CAN EXPECT IN THE FUTURE
POLICIES
AND
GUIDELINES
ON
THE
DEVELOPMENT THAT IS PROPOSED WITHIN AN
AREA,VICINITY AND REGION

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STRUCTURE PLAN
KEY ELEMENTS TO LOOK OUT
1. Residential
2. Commercial
3. Industry
4. Environment
5. Community Centres
6. Landuse
7. Infrastructures / Utilities / Public
Transport
8. Infrastructures / Utilities / Education
9. Infrastructures / Utilities / Facilities

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DEVELOPMENT / PLANNING
ANNOUNCEMENTS
WHAT IS IT?
It is an announcement made by the the local
authority informing the public on the
proposed development that is going to take
place in an area
HOW CAN IT HELP ME?

It indicates that proposed development that is
going to take place. IF a development is going
to effect your property, you can submit an
objection to the authority.
In most cases, public ignore this
announcements!
GUESS WHAT HAPPENS?

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ANNOUNCEMENTS
WHERE CAN I GET TO KNOW

ABOUT THESE
ANNOUNCEMENTS?
Newspapers and
& Local authorities

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ANNOUNCEMENTS

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3. Positively GEAR!
Determine if you have any negative
investments NOW.
Eliminate any negative investment
such as non-performing insurance
policies, shares, assets or loans you
dont need.

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3. Positively GEAR!
Establish NET WORTH.
Establish if POSITIVE or NEGATIVE
and identify what is making it
positive or negative.
Eliminate negative positions.

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3. Positively GEAR!
Get your HOME valued
immediately.
Use the equity to borrow more
money ONLY for positive cashflow
properties that exceed your loan
interest rate by at least
6%.(properties in correct cycle)
This brings in EXTRA Cashflow! And
makes you cash rich!

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3. Positively GEAR!
Sell any NEGATIVE cashflow properties
that have minus yields from tenants
and have no equity in the right cycle.
A non-performing property is defined
as a property that performs badly in
every cycle.

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3. Positively GEAR!
Portfolio Positioning;
At all times your portfolio must be
giving you a positive cashflow that
is enough for you to live your
existing lifestyle, meaning you
dont have to go back to work.
If you want a better lifestyle you
must first determine what lifestyle
you want and what that is going to
cost you and re-gear your portfolio
accordingly.

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3. Positively GEAR!
Property Positioning;
All property purchases must fulfill
the 8 disciplines of property
investment to sustain compound
growth

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4. Negotiation

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4. Negotiation
The ability to negotiate will

determine your profit on day one.
Effective Negotiation makes your
capital appreciation on the first
day, NOT the first five years!

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Negotiation: Most people

FAIL in this process
Herb Cohen illustrates negotiation as a process timeline,
e.g.
We start at A, then B-C-D-E-F and G is the deadline.
In theory the deal can be closed at any stage of B G.
However in REALITY, most deals are struck as close to the
deadline as possible which means they are mostly
done between F and G. All concessions are made at
this stage. This is why you must never TELL your
opponent your deadline, they will take control as soon
as they know that fact.
THE KEY IS TO BE IN CONTROL.. KNOW THEIR

DEADLINES!

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NOTE: You never need to BUY!, the

VENDOR always needs to SELL!
Never underestimate the

power of your negotiation
skills!!!!
Always strive to BUILD RAPPORT with
your vendor!
When you have rapport, you are far more likely to
get a FAR better deal, you will also know why the
seller is selling, why they are motivated.
NEGOTIATION is ESSENTIAL to
acquire the best deal for BOTH
PARTIES!!!

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Negotiate: most of profits are

made when you purchase!
Be aware of their BODY LANGUAGE

Ask supremely quality questions
(DBM)
Listen with complete intensity
Seek first to understand, then to be
understood
Build Trust
Present solutions for the best
DEAL! But dont appear desperate,
go through the process

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NEGOTIATION TOOL KIT

Be in control and KNOW your outcome.
Make the other person see clearly the

advantages of a doing a deal with you! It
must be win/win.
Make sure your research has been diligent.
Make written offers LOWER than the asking

price and ensure you request for a signed
counter offer from the vendor.
NEVER BE DESERATE TO GET THE DEAL,
NEVER LET THE OTHER SIDE SEE THIS

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NEGOTIATION TOOL KIT

Make a pact with your life partner BEFORE you enter any
negotiation.
Always take your chequebook.

Dont get excited.
Take the posture.
Be prepared to walk away at ANY TIME if the vendor is
not being flexible and meeting your needs.
Always ask owner what they are willing to sell for.
Always be silent after making your offer.
Make them aware you can make a deposit payment on
the spot (this makes them greedy for your money and
they are susceptible to drop price).
Dont listen to brokers.

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FIND MOTIVATED
SELLERS
Ask Brokers.
Analyze advertisements (how
long).
Advertise for them!
Use your relationship leverage;
1.
2.
3.
Bankers, Bank/Manager
Collection officers in bank
Lawyers, not just your own.
Survey areas.

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Know why they are selling

(you only know this from building
rapport!)
Over committed
Properties not giving them growth or income
Need to pay for childs education
Loss of income, retirement, sickness, jobless
Bad leverage, no exit strategy for them
DIVORCE or BAD Relationship
Migration
Need Bigger House
Estate under dispute
Multiple repairs needed
Bad neighbors!

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DETERMINE YOUR
RESOURCES
How much can you borrow comfortably?
Assess your credit rating through your bank
How much do you want to borrow?

All you can? OR save some borrowing power for next
purchase?
Borrow Less, build reserves faster, less risk for market
forces.
However, less money you put down (more you
borrow), the HIGHER your potential return!!!
As return is calculated as gain/investment plus the

money you stand to lose if deal goes awry
How much do you need for DOWN PAYMENT?
Estimate type of deal you are comfortable with and
down payment needed

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ADDITIONAL FACTORS

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Know what you can

borrow
40% to 70% of salary has to cover
your mortgage payments
(depending on bank)
Tax forms
Banks will take into consideration
other charges against you

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Financing your own

home
To help purchase additional assets, you
can borrow 100% plus costs =
80-90% Against property you are buying,
the rest from your existing equity
(Suburb must grow at least 10% before
good for growth portfolio)

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MICRO PRICE DRIVERS
Highest Point
View
Space
Access to amenities
Renovated
Privacy
Security
Freehold/Leasehold/Reserve
Neighborhood
Occupancy rate
Developers track record
Physical Characteristics
Homeliness
In tech

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Know your purpose!

GROWTH (Capital Appreciation)
and/or INCOME
If not doing EITHER, you are

NOT geared effectively! And
you will definitely have
liabilities concerning your
property/ies.
Psychoponic and learn what
you can do with them!

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Do your research like a

maniac!!!
What City?
Tourist Location?
Business Location?
Residential Location?
Potential Growth?
Demand, Population, jobs, desirability, what growth is
happening but most importantly WHY?
Property TAX?
Different area = different tax implications make sure your
financial analysis reflects these numbers
Areas of interest (creates broader rental market)
Transportation ( be CLOSE to as many forms of transport!)
Amenities (Schools, shopping, parks)

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THREE TYPES OF
PROPERTY BUYER
1. Retail Uneducated, buy the
package.
2. Partial Know they have to invest,
but dont have educated eyes yet.
3. Astute Educated eyes, in total
control, are GEARED in investment
and positively gearing their portfolio
allocations

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TIMING STRATEGIES
Ready mades Add value
Stressed developers
Land Bank and develop small
blocks
Buy wholesale at DEEP discounts
Off the plan in fast rising markets
and sell for profit
Financing Refinance in rising
markets to get equity OR fix
loans/variable

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Know ALL your costings
Borrowing costs
Interest payments
Water rates
Property Management
Advertising fees
Stamp Duty
Settlement costs
DONT INVEST IN CEILING PRICES.

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What are the PROPERTY

LAWS?
YOU CAN
YOU CANT
Have a deposit refund.

Expect to wait 3 months for
transfer of title.
USE YOUR CPF
CONTRIBUTIONS IN
YOUR ORDINARY..

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SINGAPORE PROPERTY TAX

STRUCTURE
NO LIMIT to amount of mortgage

interest you can deduct against
your rental income for tax
purposes.

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BUY WITH EDUCATED

EYES
Know which properties to buy.
CHOOSE THE AREA YOU WANT TO INVEST IN! DO CAREFUL
RESEARCH TO ESTABLISH THIS AREA. GROWTH OR
INCOME?
RESEARCH THE AVERAGE SELLING PRICE IN THE AREA,
KNOW WHAT UNRENOVATED HOUSES ARE SELLING
FOR ON AVERAGE AND WHAT RENOVATED HOUSES
ARE SELLING FOR ON AVERAGE
Then you will know your HOLDING COSTS.
Calculate price you can pay, set it as your HIGHEST PRICE,
otherwise walk away.
People who want to sell, will do shocking things to sell
Out of making 100 written offers, 3 or 4 will be accepted through
one year.
AND THE DEAL OF THE DECADE HAPPENS ABOUT ONCE A
WEEK!

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BUYING RIGHT
Think of your own database when you buyand how to
leverage from them.
DEAL DIRECTLY WITH THE VENDOR AT EVERY OPPORTUNITY.
Make written offers for 80% of the price, DONT WORRY IF THEY
ARE DECLINED.
ASK FOR RIGHT TO SHOW HOUSE BEFORE SETTLEMENT TO
DATABASE IN PRIVACY (strategy for wholesale buying and
selling) within 24 hours notice
92% of current value, get database to make offers
ON SELL YOUR WHOLESALE BUYS

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WHOLESALE BUY
Replace your salary wholesale buying 2 to 3 properties
a year
USE advertising to attracte.g
MOTIVATED SALE
(Suburb) Owner must sell
92% of market value
Owner needs very quick sale
Please call ..
Think like an entrepreneur!

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MIXED USE INVESTMENT

SHOP-LOT Top floor can be
residential, this can qualify for
CPF contribution
(Check other criteria, cycles, areas,

etc, shop-lots can be risky if you
DONT KNOW!)

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LAND CONVERSION
KNOW THE TOWN PLANNING, EIA and
TIA
If your proposed land conversion FITS
with TOWN PLANNING REQUIREMENTS,
you convert very quickly and finance the
whole development.
E.G. Country Heights
Good Negative Gearing Strategy, but to
reduce risk do youre your research
before you buy!!!

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RESIDENTIAL INTO
COMMERCIAL
Prime Example, Jalan Maarof,
Malaysia.
Residential bungalows sell for RM
1,200,000
Once converted into commercial,
fetching RM 4,500,000!

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RENT TO OWN?
Buy property with tenant in mind,
option sell the property to them,
they pay you a non refundable
deposit, in return, you fix the
price and discount their deposit
from purchase price
FURNISH IT NICELY
Filter callers

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SHORT TERM LETTING

Buy a house with POOL, four or five
rooms, butler/maid for migrating
expats OR business people.
Great market for migrators, maybe
offer an extra service to find schools,
etc and integrate them into the
community.
HIGH RENTAL EASILY ACHIEVED,
LONGER THEY STAY THE CHEAPER
YOUR RATE.

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CONSIDER BROKER
INCENTIVES
If you are time poor, consider
incentives for your agents and
brokers to find you the target
property.
Make sure you give them all your
criteria first, so they are targeted
and focused on your needs as an
investor.

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FINDING THE RIGHT

BROKERS
Bottom line- theyve gotta know
your area as well if not better
than you.
They have to be excellent
communicators.
They have to have the right track
record.
They have to let you speak to the
vendor personally.

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COMMON MISTAKES
tenant/buyers
Insufficient deposit not making sure
you state it is non-refundable in the
S+P agreement.
Not working to increase monthly
cashflow by constructing rental income
to favour you
Not SELLING house at slight discount
Allowing your tenant/buyer to make
rules
Entering agreements w/out checking if
tenant can pay
NOT GETTING THE PROPERTY VALUED!

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SURROUND YOURSELF WITH

EXPERTS!
LAWYERS know to leverage the law and use agreements

that suit your terms.
ACCOUNTANT Hook up with one who is ALSO an investor

him/herself. Dont get advice if they are not
FINANCIERS Shop around all the banks and financiers, be

in the know, remember, banks are there to serve you.
BROKERS dont just use one broker, shop around, use a

few and test them out, dont rely on their research.
AGENTS There are so many, but these people wont tell

you the best investments, thats up to. IT IS VERY DIFFICUILT
TO A WEALTHY AGENT!
Why are you still working with people who are not wealthy!

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POSITIVE OR NEGATIVE?
High Growth mostly gives low
rental so NEGATIVE gearing
means you must contribute to the
payments after rental income.
THIS CAN BE VERY PROFITABLE

but make sure the cost of
borrowing does not exceed the
capital growth/rental income or
not worth it.

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POSITIVE OR NEGATIVE?
Residential assets go where
there is a shortage of
accommodation.
Can be LOW yield as long as
income consistent. USE YOUR
RESEARCH.
Use POSITIVE gear properties to
fund your hi growth negative
gearing properties

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POSITIVE OR NEGATIVE
Anything under $100 EXTRA a week
not worth it!, takes up too much
borrowing power.
GEAR SMART, use it to cash-flow
your whole portfolio and mix it,
dont do all Negative, dont do all
Positive!

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POSITIVE GEARING,
EXAMPLE
$150,000 purchase, 6% cost, to borrow
= $9,000 per year before other costs
Rental return of $350 per week
= $16,800
Annual income $7,800. Use this income to
service borrowings on your capital growth
portfolio
NEGOTIATE and offer tenant 5 year lease and
guarantee you wont sell house.
TENANT HAS CERTAINTY! WIN/WIN, low capital
growth but excellent income producer!

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EXAMPLE OF NEGATIVE
GEAR
Bukit Timah, Singapore.
SGD$ 4,200,000 purchase
Annual growth 10% = $ 420,000
Rental income 2% = $ 8,400 (monthly)
Cost of borrowing = 2.5% = $ 10,500
(monthly)
Negative geared by = $ 2,100 pm
Annual return = 12% compound
Converting into commercial property
will take value to $ 8,500,000.

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INSURANCE!
Every time you positive gear, create more surety
and protect against tenant misuse. BUILDING
CONTENT insurance, inc. appliances, water heater,
etc.
Also purchase landlord insurance
Protect yourself, against income, disability,
accident and loss of life
THIS REDUCES OVERALL COST AND RISK
GET YOUR AGREEMENT WITH TENANT OPTIMISED!

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ESSENTIAL
TENANT
STRATEGIES

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TENANT DUE DILIGENCE

CHECKLIST
Never EXECUTE any agreement
until you have received payments
in FULL and they have qualified in
your tenant checklist.

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TENANT CHECK LIST

Full inspection and inventory check
Explain you will be contacting referees
after agreement is completed and
signed
Lay down the code
Get their I.D.
Holding deposit
Fully Check all referencesprevious
landlord, personal, Work.
Get another contact for them if you
cannot contact your tenant at any
time.

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POSITIVE GEAR WITH

TENANTS
Tenants love.
Convenience
Cleanliness
Certainty
Light
Security
Views
Car parks, with 2 spaces with security
Home Offices
Feng Shui
Lifestyle

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TENANTS DONT LIKE

RESPONSIBILITY of ownership
Bad maintenance
Bad renovation
OLD stuff
DARK
Stuck in the sticks
High rent increases!
READY TO MOVE IN!

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Know your tenants/buyers

dreams..
Bathrooms and Kitchens.1 attraction
Properties that are not well presented will
elicit negative emotions. And people will turn
off in less than ten minutes.
Be aware if they drive past the property and
it dont look good, they will keep driving
Houses are bought with emotion if not astute
investors.
Look for greenery, bath,toilet potential,
sunlight, noise, emtpyness, car parking
Watch if facing a T-Junction.

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Be prepared to
Rejuvenate
Paint job can transform and
fairly inexpensive
Tidy outside
Floor
Front entrance
Doors, wardrobe space, handles,
etc.

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ALREADY OCCUPYING
It is OK to buy with tenant
occupying, make a new deal with
them to achieve certainty OR if
you KNOW is bad tenant, make
sure they are out of the house
before you buy it!
And before you buy it CONSIDER
finding a tenant, that way you can
test the market!!!

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Always Rent/Sell your

properties furnished!
Everything is in the presentation!.

Present well even if you have to
borrow the furniture, make it
homely to your target market,
make it smell nice, make it clean

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USE YOUR TOOL KIT

FOR ANY GIVEN CYCLE
And REMEMBER, PLACE
YOUR TOOLS IN THE RIGHT
TOOL BOX! (MINDSET)

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HOLDING COSTS = TAX

ADVANTAGES
50% tenant
30% tax
20% you

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EXIT STRATEGIES!
You must have protection for ANY
downward spiral. Your EXIT
strategies are just as important as
your ENTRY ones.
Be very aware which IF your
properties are fulfilling their
purpose: Growth and/or Income.
If not take action.

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NON-PERFORMING
ASSETS
DO something with it.
Gear DOWN pay down your loan so that it
becomes CASH-FLOW positive. Use extra
income to buy other assets.
OR add value to get it moving (rejuvenate), if
wrong location consider selling
OR if in city, consider transforming into short
term, fully furnished, rental unit, like service
appt, work out how many nights you can
break even on
OR Let out rooms and make it a low cost
SHARED accommodation unit.

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DIFFICULT TO GET HIGH

GROWTH PROPERTY TO
GIVE HIGH RENT
SO USE OTHER AVENUES TO
FEED YOUR NEGATIVE
GEARED GROWTH!

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Determining your Risk - Time,

Cost, Return.
High net rent income
High Deposit, Low Mortgage
Low Deposit, High Mortgage
Good Location Low Risk (Capital
Appreciation, consistent income, less management
time, DEMOGRAPHICS!)
Bad Location Higher Risk (Tenants and

maintenance)
Renovation (Expanding and updating existing)

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DETERMINE THE TYPE OF

INVESTMENT
Land
Simple, banked, build, rented to farmers or other land users,
often used to speculate on up and coming areas, easy to
manage (no tenants) normally requires long term commitment
Single Family Home

Common, quite easy to manage, cater for most families, loan
easy, not best return on investment
Condo
No Land, governed by group, maintenance fee makes easier to
manage, little control of monthly fees, strict rules
Commercial
Rented by businesses, tenants more sophisticated, pay high
rent, large, complicated contracts, expertise, long term leases,
needs different approach and experience to residential market

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Determine your Due

Diligence
1.
2.
3.
4.
5.
Never assume!
Macro Perspectives
Structure Plan - Strategic planning framework for
development and land use in line with national and
regional policy.
Local Plan More detailed policies and proposals of
local plans and decisions on planning applications.
Environmental Impact Assessment (EIA) gives an
overview of environmental issues at your location.
Traffic Impact Assessment (TIA) indicates traffic
situation in area, proposes solutions to traffic
sometimes through building additional infrastructure.
Newspaper, Magazines, media on latest
developments in the area.

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MICRO PERSPECTIVES
1. Physical Structure
Paint
Electrical Wiring
Roofing
Plumbing
Property Age
Basements
Foundation
Insulation
Termites!
Property Shape (Feng Shui)

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MICRO PERSPECTIVES
2. By Laws
Land Title
Building Title
Trust Deed
Charge on Land and/or building
Strata Title (such as apartments, each unit
having its own title. Malaysia can create
challenges for this

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Determine the Financial

Implications
Purchase Price
True Market Value
Closing Cost
Rental Income
Renovation Cost
Vacancy Rates
Internal rate of return
Expected capital GROWTH rate
Expected Inflation of rents and expenses (Often ignored)
Mortgage Interest Rate (variable or fixed)
Mortgage Structure (interest only or principal and interest)
Property management fees
Property taxes
Maintenance
Repairs
Mortgage Application Fess
Your income level
Prevailing Tax rate!

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Determine How to
Finance
Mortgage (First Mortgage)
Common and easy to use, bank, mortgage broker,
or now online. On Conforming properties (1-4 units
that meet criteria) are available up to 80% of value,
so need 20% from alternative source
Down Payment
Higher, more chance of better approved mortgage
(could anyone help you?)
Seller Financing
Can significantly reduce amount of money you need,
the seller CAN finance all or most of down
payment!!! (Contract for deed = no money down)
mortgage rate can go up if small deposit
Using equity from your portfolio

Create a second mortgage on your existing property
to buy more if you have the equity!

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OTHER FINANCIAL RESOURCES

Savings
CPF
Bank Loan
Insurance policy special cash-out clause OR cash
value
Government loan
Employer loan
Use existing equity from your present portfolio
Parents loan
Mortgage parents home

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CREATIVITY CAN
BLOSSOM
Lease option investing

No cash down
Seller Financing
Overpay with cash out
Assume the mortgage
Trade Properties
Partnership
Investor group increases leverage
Many others can be looked at

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Creative outside
financing
1.
2.
3.
4.
5.
6.
7.
8.
Low start mortgage, from 0%

Variable or fixed
No fees
Credit line facility
One source for all
Switch mortgages
Revalue
No deposit developer deals (but
price top-loaded)

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RULES OF THE GAME!

Think smart! What you can do with a property,
look at the structure and its potential for growth or
income, rather than criticising it!
Always be as creative as possible
The 100:10:3:1 Rule
Use your own rules, your own investing USP
Dont use conventional wisdom.
Dont be HYPNOPOMPIC
If you are uncertain, theres something you dont
know, get yourself properly in PSYCHOPONICS
Always evaluate the calculated risk
Always put the offer on paper
VISION, NOT EMOTION is the way to SEE your
outcome!
Take the HEROIC JOURNEY when you have
REALISED your strategies.

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APPENDIX A:
CASE STUDY EXAMPLES
TO ASSIST FINANCIAL
FREEDOM
CALCULATIONS:

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SINGAPORE (growth)
Caspian January 2009
Lakeside drive, Singapore

2009
Purchase price
:S$550,000
Flip Price
:S$880,000 (April)
10% deposit: S$ 55,000 (unsecured loan)
PROFIT: S$ 330,000 in 25 MONTHS!!!!
MUST TAKE ADVANTAGE OF ECONOMIC

CYCLES!
Rental potential
4,500 (8%++)
:-
S$

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CHINA
Changping, Dongguan,
China
NEW Purchase price
28,600
Rental Yield
12%
:- SGD$
Capital Growth 20% a year

(historically proven)
Booking Fee: SGD$ 2,000
Sourcing Fee: SGD$ 2,000
FINANCE: 6 MONTHS INTEREST FREE
CREDIT!
ONLY: SGD$ 4,433 per month x 6!!!
BUY 10 = SGD$ 2860 per month residual
income (no mortgage

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USA
Cleveland, Ohio, USA
BMV
75%++++++++
fully renovated & modernized and
with tenant guaranteed for 3 years
5 bedrooms/ 2 bathrooms, detached property
14,000sq. ft lot size
PURCHASE PRICE ONLY:

45,000!!!!!
USD$
RENTAL: USD$ 950 per month (mortgage cost only

USD$ 190 per month!)
RENTAL YIELD: 22.5%!!!! (net) NET CASHFLOW

$ 9K +!!!!

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CASE STUDIES
Apartments
Type of investment - Student
Accommodation
Benefits Investing Student
Accommodation
Can lease based on per head
Demand is always there as long as the
higher learning institution is located with
the vicinity
Rental is collected throughout the year

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MALAYSIA
Apartments - Cyberjaya
Owner Asking
RM225,000
Bank Value
RM260,000
Financing
-RM234,500
:-
:-
90%
Profit
9,500 (tax free)
:-
RM
:-
Positive Cash (per month) :RM

800
Rental for Student accommodation
is in the range of RM 400 to RM
650

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CASE STUDIES
Apartments
Case Study - Studio Apartment
Bukit OUG
Purpose - Rental to Young Executives
working in KL
Situation:- Owner owns to many houses,
debt to higher, wants cash to
solve
immediate
problem
(Needed cash for operation).
Received the keys to the
house 7 months before the we
bought. It has been on the
market for almost 6 months.
We were the second buyer to
look at it. Not been occupied
before

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MALAYSIA
Apartments
Owner Asking
:-
RM85,000
Developer Price
:-
RM126,000
Market Price
:-
RM101,500
Financing
:-
90% -RM91,350
Cost (S&P, Legal, etc)
:-
RM3300
Profit
:-
RM6,350 (tax free)
Monthly Installment :-
RM 560
Monthly Rental
RM 1,150
:-
Positive Cash (per month):- RM 490

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APPENDIX B:
FINANCIAL FREEDOM
CALCULATION SHEETS:

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________________________________
BY CASHING IN YOUR SHARES, INSURANCE POLICY,
JEWELLERY, GOLD & SILVER & ITEMS YOU HAVE NOT USED
FOR AT LEAST 6 MONTHS HOW MUCH CASH CAN YOU
GENERATE:
____________________________
HOW MUCH OF THIS CASH DO YOU NEED FOR YOUR
EMERGENCY FUND? (3 to 6 months salary):
____________________________
HOW MUCH CASH CAN YOU STILL USE: (total cash minus
emergency fund):
____________________________

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________________________________
BY REMORTGAGING OR SELLING YOUR EXISTING PRIVATE
PROPERTY OR HDB HOW MUCH CASH CAN YOU GENERATE?:
(60% LTV)
____________________________
remortgage/house sale):
____________________________

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_______________________________
HOW MUCH CAN YOU BORROW AS AN UNSECURED
LOAN? (4 times monthly salary) & HOW MUCH BALANCE
DO YOU HAVE LEFT ON YOUR CREDIT CARDS YOU CAN
BORROW?:
____________________________
remortgage/house sale + unsecured loan):
____________________________

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_______________________________
WHAT ARE YOUR TOTAL LIVING MONTHLY
EXPENSES (include all cash it takes to live your
existing lifestyle?
____________________________
LIVING EXPENSES?
____________________________

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Continued..
WHAT PROPERTIES CAN YOU BUY WITH
YOUR BORROWING POWER AND WHAT
YIELD DO YOU NEED TO PAY FOR ALL OF
YOUR CURRENT LIVING EXPENSES?
__________________________________________
_____________
__________________________________________
_____________
__________________________________________
_____________
__________________________________________
_____________
__________________________________________
_____________
__________________________________________
_____________
__________________________________________
_____________

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APPENDIX C:
MENTORING LINKS &
VIDEOS:
188

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APPENDIX D:
USEFUL WEBSITES:

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Compilation of useful websites

For sourcing for listings:
www.PropertyGuru.com.sg
www.Iproperty.com.sg
www.St701.com.sg
www.PropMatch.com.sg
www.data.com.sg
Straits times Classifieds
For past transaction;
www.data.com.sg
www.Streetsine.com
www.URA.gov.sg
www.HDB.gov.sg
For latest policy & local maps;
www.URA.gov.sg
www.HDB.gov.sg

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International Research Websites

For UNIVERSAL demographic listings (population, etc):
www.demographia.com
For SUBURB news and tracking of new developments;
www.onlinenewspapers.com
To actually see the local plan, facilities, amenities; worldwide;
www.walkscore.com

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Courtesy of : www.hsdent.com
Contact Us
__________
Director Of Events
Lyn Wahid
lyn@marcorobinson.com
Head of Affiliate Programs
Malvindran Ganesh
malvindran@marcorobinson.com
Group Accountant
Mark Graham
mark@marcorobinson.com
Legal Consultant
Raddy Soo
raddy@soo-legal.com
(c) copyright Marco Robinson Copyright 2012, Marco

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HOW TO CREATE FINANCIAL

FREEDOM THROUGH PROPERTY

Copyright 2012, Marco

Remember your first objective

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Singapores rental yields are worryingly low

Yields in Singapore dropped this year to

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Property Price Index

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STI PPI - HDB

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GDP Growth Rate

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GDP Growth Rate

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GDP Growth Rate

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GDP Growth Rate

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Age to Income Ratio

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Housing Price to Income

The house price to income ratio is the

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Round Trip Transaction

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Rental Income Tax

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Capital Gain Taxes (%)

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House Prices Changes, 1

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House Prices Changes, 5 Year

House Prices Changes, 10 Year

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Continued Slowdown of Growth

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Housing Affordability compare by

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New & Upcoming Prime District in Singapore

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Wednesday, October 5, 2011

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The Millionaire Property

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1. Know your property