****Expenses
Cash payments for your regular and ad-hoc expenses such as those listed below:
****Daily personal and household expenses:
Expenses on food, transport, education, medical bills, expenses on children and aged parents, mobile phones, taxes
Credit card bills, insurance premiums, other loans
****Monthly expenses for your home:
Housing loan instalments*
Service and Conservancy Charges
Utilities bills, broadband, etc.
Property tax (monthly payments only applicable via GIRO)
Other maintenance costs
* When the allowed CPF amount is used up, you have to pay for the balance purchase price and/ or the monthly mortgage instalments in cash.
Savings Future expenses for your family:
Children's education and enrichment programmes
Your retirement needs
Emergencies
The less you pay in monthly instalments, the more you will have in cash and CPF savings to build up your resilience to emergencies and pursue your goals (e.g. financial freedom and retirement). Check your affordability and minimise the housing loan amount and repayment period to save interest costs.
If the cash outlay to buy a flat and the monthly housing loan instalments are too much of a financial burden, it may be better to give yourself more time to build up your finances before committing to buy a flat. For flat owners who are looking to sell and buy another flat, do re-consider the need for the change and only commit to sell your flat when you are financially ready to buy another.
WhatsApp me at: ABLE Toh
(65) 9856-9255
or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) You can READ my REVIEWS here:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile:
(65) 9856 9255
or email me at Able.selling@gmail.com.
From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”
=========
(4A)✅✅ For the Below Condominium that may Achieve TOP ( Temporary Occupation Permit / Relatively New Condominium which may faced Difficulties/ Challenges to rent / sell at your Expected Pricing as facing too many neighbour’s units competing to Sell / Rent Out ,...
(4B)✅ ✅ ✅ I am okays NOT TO be the Sole Exclusive Agent , but the “ Open Listing “, additional pair of hands to help you bring the matching buyer / tenant . “ May the Hardworking + Lucky agent close the Deal !!, ( Whether it’s me or another agent ,✅✅✅ I will still be HAPPY FOR THE OWNER !! ✅✅My advantage is : I myself , have a Small Team of Agents who will work together with me to cast a wider Marketing Nets to Reach Your Goal !!!
Below is a list for reference >> see if YOUR CONDOMINIUM IS BEING MENTIONED:
(4C)✅ ✅ ✅
(1) Affinity At Serangoon, (2) Canninghill Square, (3) Dairy Farm Residences
(4) Forett at Bukit Timah, (5) KI Residences At Brookvale, (6) Kent Ridge Hill Residences
(7) Leedon Green, (8) Lavender Residence, (9) Meyer Mansion
(10) MeyerHouse, (11) Midwood, (12) M Suites
(13) NoMa, (14) One-North Eden, (15) One Pearl Bank
(16) Phoenix Residences, (17) Riviere, (18) Riverfront Residences
(19) Tedge, (20) The Atelier, (21) The Iveria
(22) Verticus, (23) Zyanya, (24) Mayfair Gardens
(5A) ✅ ✅ >> FOR NEW CONDOMINIUM IN
✅ ✅ YEAR 2025 / APARTMENT PROJECTS In Singapore
(5B) ✅ ✅ the LIST :
(1) Arina East Residences, (2) Aurea, (3) Aurelle of Tampines (EC)
(4) Bagnall Haus (former Bagnall Court)
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