Roza's tips on buying and selling property

Buying a property?

June 12, 2010 Trackback Articles by Roza Sure Bagus

First and foremost is your budget. You can go around viewing beautiful homes but if the asking price is beyond your reach, then your effort is futile unless you just enjoy the sightseeing activities !

You need to work out your financial standing, know your CPF contributions availability to be utilized for housing loans, know how much is your comfortable mortgage payment per month, know the availability of finance schemes.

If you are buying HDB flat, you must know your eligibility for either HDB loans or bank loan. Know the current ruling in terms of housing grants and its qualifications.

Applying bank loan

You can go to individual banks to apply or make the comparison rate yourself ; or

You can get Roza Sure Bagus to process your bank application on your behalf (no extra charge).

Information required to process loan application:

1. Copy of NRIC
2. CPF statement
3. Payslips / Tax assessment

What you need to know before buying a private property, condo or landed home.

Budget. Budget. Budget.

You should exercise financial prudence. For multiple investment buying property using CPF, you have to set aside a minimum sum scheme as stipulated by CPF Board.

Location. Location. Location.

Once you know your budget, look out for location that suits your pocket. Remember you may not want to stay at the house you buy forever, therefore you must think, of the possibility to re-sell back in future.

How to find the right property?

Going through the newspaper ads is somewhat like drowning yourself in the floods of houses for sale available for you. Going through the individual ads and calling individual agent is no fun and very time consuming. You may not know the market well in that particular area thus limiting your negotiating power.

Remember, buying a property may not be as easy as you thought. There is no such thing as cheap and good. Although there are some good buys you may consider in a very unique situation.

How I can help you?

Cut the time consuming activities which you would do otherwise. Let Roza Sure Bagus do the search for you. From the financial planning, getting the right bank loans, loan calculations, screeing of the suitable homes to suit your budget…. All specially planned out for your convenience. And more importantly, your new home begins with Roza Sure Bagus.

Selling Tips

What you need to know before selling your property?

You must work out the financial aspects first before you decide to make the move.

Know how much you are still owing the bank or HDB and how much CPF you have contributed to date in financing your current home.

All these information are vital for your decision making.

Dressing up your house

First impression counts. Although your house is not as beautiful as the homes featured in décor magazine, nevertheless you should make it presentable.

Like women who like to dress-up before going out, you should consider do some touch-ups to your house as well. Get a new fresh coat of paint if possible. Paint your toilet ceilings and drainage pipes.

Remove unwanted furniture. House should not be cluttered by unnecessary stuff. Do some spring cleaning at the early stage also to make you task easier when you want to move out.

How to find the right buyer?

Getting buyers are not as easy as to answer phone calls that you received through a newspaper advertisement.

Screening the right buyer in terms of their budget constraint and their choice locations will not be easy for owners to extract this information especially in terms of their financial calculations.

Professional agents like Roza Sure Bagus knows how to handle even the most difficult case tactfully.

How I can help you?

No worries to handle calls in 24 hrs a day all by yourself. No nightmares guaranteed when you decide to engage the professional service of Roza Sure Bagus. She will handle not only the selling part, she even plans your next purchase and right up to the renovation and moving to your new dream home.

If the Yellow Pages says, “Let your fingers do the walking”, with Roza Sure Bagus, let her expertise do the talking… and hence the signing on the dotted lines ..........

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