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PROPERTY HARD TRUTHS SG
NeezaNizamSG
73 episodes
2 hours ago
Ethan, a realtor since 2022, shared his journey and challenges in the real estate industry. His first deal was an HDB divorce case, which he handled despite initial fears. His second deal involved a sell-and-buy scenario, teaching him about Contra and extension of stay. His third deal was a $2.4 million landed property, highlighting the complexities of high-value private properties. Ethan also faced a challenging rental situation where a tenant abandoned a unit, causing significant dama...
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How To
Education,
Business,
Investing
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Ethan, a realtor since 2022, shared his journey and challenges in the real estate industry. His first deal was an HDB divorce case, which he handled despite initial fears. His second deal involved a sell-and-buy scenario, teaching him about Contra and extension of stay. His third deal was a $2.4 million landed property, highlighting the complexities of high-value private properties. Ethan also faced a challenging rental situation where a tenant abandoned a unit, causing significant dama...
Show more...
How To
Education,
Business,
Investing
Episodes (20/73)
PROPERTY HARD TRUTHS SG
Season 5 Episode 08 - 2 Burst Deals and a Landed : Start To My Real Estate Journey
Ethan, a realtor since 2022, shared his journey and challenges in the real estate industry. His first deal was an HDB divorce case, which he handled despite initial fears. His second deal involved a sell-and-buy scenario, teaching him about Contra and extension of stay. His third deal was a $2.4 million landed property, highlighting the complexities of high-value private properties. Ethan also faced a challenging rental situation where a tenant abandoned a unit, causing significant dama...
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3 months ago
44 minutes

PROPERTY HARD TRUTHS SG
Season 5 Episode 07 - No Salary, No Safety Net
In this episode of the "Property Hard Truth" podcast, Nizam Adli interviews Geoffrey Lim, a young real estate agent with two years of experience. Geoffrey shares his motivations for entering the industry, including the desire for flexibility and the challenges of proving himself in the first year. He discusses his first significant deal, a $6,000 rental commission earned over four months, and the financial realities of being a real estate agent, including marketing costs and taxes. ...
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3 months ago
34 minutes

PROPERTY HARD TRUTHS SG
Season 5 Episode 06 - SERS vs VERS
Nizam Adli and Neeza Ali discuss the recent announcement by the Minister of National Development, Mr. Chi Hong Tat, regarding the end of the Selective En bloc Redevelopment Scheme (SERS) for HDB flats and the introduction of the Voluntary Redevelopment Scheme (VERS). They explain that only 4% of HDB flats are typically SERs, and VERS will be voluntary, requiring a 75% majority vote for redevelopment. They highlight the emotional and financial implications for elderly residents, the pote...
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4 months ago
26 minutes

PROPERTY HARD TRUTHS SG
Season 5 Episode 05 - Can I Buy Without Selling My HDB?
NeezaNizam discusses the possibility of upgrading an HDB without selling it, highlighting the conditions and terms involved. He explains that HDB owners must wait five years from the minimum occupational period (MOP) before considering a second property. The total debt servicing ratio (TDSR) and additional buyer stamp duty (ABSD) are crucial factors. For a second property, the ABSD is 20% of the property value, which can be refunded if the HDB is sold within six months. Nizam shares tha...
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4 months ago
6 minutes

PROPERTY HARD TRUTHS SG
Season 5 Episode 04 - HDB to Condo. Can I Really Afford It?
NeezaNizam discussed the feasibility and affordability of upgrading from an HDB to a condo. They emphasize that many clients are everyday Singaporeans, including teachers, nurses, and business owners, who have the capacity to elevate their wealth. They highlight the importance of proper financial calculations, including the Total Debt Servicing Ratio (TDSR), which limits loan amounts to 55% of income. They note that HDB prices have risen 35% in five years, providing significant equity. ...
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5 months ago
8 minutes

PROPERTY HARD TRUTHS SG
Season 5 Episode 03 - Can Money Buy Happiness?
What really makes us happy when it comes to money? In this episode, we shared Harvard professor and happiness expert Arthur Brooks views where he breaks down the five things we can do with money—and reveals why only four of them actually bring joy. From the power of shared experiences to the surprising science behind giving and saving, we explore how to use money the right way. Plus, why debt—especially credit cards and car loans—can be a happiness killer, and how shifting your mi...
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5 months ago
7 minutes

PROPERTY HARD TRUTHS SG
Season 5 Episode 02 : HDB Profit Erosion - Is it True?
“Alright, let's talk about something really important today — HDB profit erosion. This is something many homeowners overlook until it's too late. You see, in the past, it was very common for people to buy HDB flats and after five, ten years, they could make a tidy profit — $100K, $150K, sometimes even more. But today, the game has changed. Why? Because the market has shifted. With rising interest rates, cooling measures, and a more educated pool of buyers, the prices are no long...
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5 months ago
10 minutes

PROPERTY HARD TRUTHS SG
Season 5 Episode 01 - HIGH Floor. Not Always Better.
This episode NeezaNizam discussed the fact that HIGH FLOOR units do not necessary are better units. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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5 months ago
9 minutes

PROPERTY HARD TRUTHS SG
Ep 65: BTO Take Up Rate Muted! Why You Need To Be Concern If You Are Selling Your HDB.
This episode NeezaNizam discussed the impact of the muted BTO launch in December 2023 and how it will affect HDB resale market come 2024. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
31 minutes

PROPERTY HARD TRUTHS SG
Ep 64: Higher Property Tax 2024 - What You Need To Know Before Renting Out Your Property?!
This episode NeezaNizam discussed the impact of higher property tax for both owner occupied and non-owner occupied property in Singapore. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
28 minutes

PROPERTY HARD TRUTHS SG
Ep 63: Manner of Holding - Why It Can Be Complicated When It Comes To Selling?
This episode NeezaNizam discussed the impact on manner of holding between non-spouse. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
26 minutes

PROPERTY HARD TRUTHS SG
Ep 62: Cash Over Valuation. Why Paying COV Might Just Be Worth It ??!!
This episode NeezaNizam discussed why it might just make sense to pay COV especially if the unit checks all your boxes including renovation. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
23 minutes

PROPERTY HARD TRUTHS SG
Ep 61: Right Price or Pricing It Right!! Why HDB Selllers Must Manage Expectations
This episode NeezaNizam discussed HDB sellers should price their unit RIGHT and not be too EMOTIONAL on getting the HIGHEST price. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
26 minutes

PROPERTY HARD TRUTHS SG
Ep 60: Is It A Buyers' Market Today?! Is Property Market in SG Shifting?
This episode NeezaNizam discussed whether the property market in SG is shifting to a buyers' market or it has also shifted?!! No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
18 minutes

PROPERTY HARD TRUTHS SG
Ep 59: Are Your CPF Funds Working Hard For You? Why it is world’s top 10 Retirement Scheme
This episode NeezaNizam discussed why Singapore's CPF scheme is among the top 10 in the world. But the question is are we taking advantage of it?? No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
20 minutes

PROPERTY HARD TRUTHS SG
Ep 58: Fully Paid Flat. Is It Really A Wise Move?
This episode NeezaNizam discussed why fully paying your flat might not be the best option for you. Understand the fundamentals of fully paying your flat with the RIGHT resources. CASH or CPF? No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
11 minutes

PROPERTY HARD TRUTHS SG
Ep 57: CPF Accrued Interest. Why Are We Still Talking About It?
This episode NeezaNizam discussed why people are still clueless about the use of CPF an its accrued interest. Why do we need to "pay back" when we sell our flats. Is it our own money? No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
14 minutes

PROPERTY HARD TRUTHS SG
Ep 56: Manner of Holding. Does It Really Matter To You?
This episode NeezaNizam discussed the misconception of estate distribution especially when it comes to islamic faraid law. The difference in the manner of holding determines what happen to the asset when death occurs. No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
26 minutes

PROPERTY HARD TRUTHS SG
Ep 55: Can My HDB Fetch $1M?
This episode NeezaNizam discussed probably the dream of every Singaporean whether their HDB flat will fetch $1M in the resale market. Or is it just a dream.... No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
17 minutes

PROPERTY HARD TRUTHS SG
Ep 54: 15 Years Wait To Buy BTO. Is It Worth it?
This episode NeezaNizam discussed whether the 15 years wait for a fellow Singaporean to buy his first BTO was worth it. His video went viral and we salute his determination. But what could have been done to shorten the wait?! No sugar coated stuff but the hard truths!! If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg
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2 years ago
23 minutes

PROPERTY HARD TRUTHS SG
Ethan, a realtor since 2022, shared his journey and challenges in the real estate industry. His first deal was an HDB divorce case, which he handled despite initial fears. His second deal involved a sell-and-buy scenario, teaching him about Contra and extension of stay. His third deal was a $2.4 million landed property, highlighting the complexities of high-value private properties. Ethan also faced a challenging rental situation where a tenant abandoned a unit, causing significant dama...