NOTG - Nuggets on the Go by PropertyLimBrothers

Melvin Lim, Grayce, George and Yu Rong delve into numerous topics, from their property of choice, to the possible oversupply of resale flats from the “Baby Boomers” inheritance. Will Singaporeans be able to keep up with property affordability? With plenty of caveats going around, leading from one topic to the next, strap in for this insightful and opinion-loaded episode of Nuggets On The Go! 😁 #PropertyLimBrothers​ #NOTG #singapore #realestate #property

On this episode of NOTG, George, Shawn, and Jesley from PropertyLimBrothers discuss the impact of HDB upgraders on Singapore’s property market, noting the trend of increased condo ownership due to rising HDB prices and a desire for better capital appreciation. They explain how higher borrowing capacity also drives this shift. The team covers loan frameworks, MSR regulations, and property valuations, emphasising strategic property investment’s importance for capital growth. They highlight the value of property ownership in Singapore, where a buyer’s name has become a significant asset.   Additionally, they share personal regrets and lessons from their property investments, such as not holding onto properties longer or not buying larger properties when possible. They stress considering future needs and the potential benefits of stretching one’s budget for a larger property. Stay tuned for more insights on the challenges of property investment and affordability. Find out about their personal opinions about real estate investment!   Speaking of condos, have you always thought of investing in a new launch condo but find yourself hesitating, afraid of making the wrong choice, or perhaps overwhelmed by the options? Compare 80+ condos in 10 hours at PLB New Launch Convention 2024 on July 7th, 10 am - 8 pm! 1 day, 10 speaking sessions with 6 keynotes by industry experts from PropertyLimBrothers, sharing exclusive PLB frameworks for choosing the right condo!   Early bird tickets now available at $7, sign up here: bit.ly/plbnlc24   00:00 Introduction 02:03 Home ownership ratio (Global Comparison) 09:23 HDB upgraders 16:36 Loaning capability 36:47 Healthy monthly mortgage 38:36 Searching for a new launch property 44:28 Holding a property for too long 49:51 Understanding the masterplan and your time horizon 56:46 Average PSF for New Launches 01:02:22 Efficient layouts 01:07:47 Wipe out investment 01:22:00 Purchasing power of Singapore household sector 01:31:01 Buying too small 01:40:15 Buying to the maximum 01:50:20 New Launch Convention

On this special episode of Nuggets On The Go, we’re joined by Willie Keng, a full-time investor who has guided numerous investors in expanding their dividend portfolios. Previously, an associate director at a prestigious private bank with a solid six-figure income, he often found himself constantly trading his time for a paycheck. His passion for financial markets was undeniable, yet the corporate environment didn’t align with his aspirations.   Join us as we explore his journey from his days as a materials engineering student to a lucrative corporate career and now to a full-time investor. Learn how he builds robust dividend portfolios, who inspires him and find out the strategies he adopted that have reshaped his life. See how he turned his passion for financial markets into a thriving pursuit of wealth and freedom. Be sure not to miss this enlightening episode!   If you’re keen to read Willie’s articles and tips on dividends, bonds, and REIT investing, visit: https://www.dividendtitan.com/

We’re back with part 2 of New Launch 101! George and Yu Rong talk about the most anticipated new launch condos in 2024. They discuss key factors such as proximity to MRT lines, available amenities, and new launches with potential for lower prices due to low land acquisition costs. Their discussion continues with the importance of layout flexibility in new launch condos—where new launches often offer more bedrooms within the same square footage, providing more options for potential buyers.   Find out more about the development of new launches in Toa Payoh, where its GLS sites are highly anticipated, and the potential of new launches in the heartlands like Bedok South, Tampines, and Pasir Ris. That being said, learn about the reasons behind price changes by developers. An interesting topic of discussion is Yu Rong’s mall tiers, ranging from basic neighbourhood malls to large, destination malls with unique offerings, and how this could potentially impact the attractiveness of a property.   All these enriching insights and more on this New Launch 101 episode on Nuggets on the go! Speaking of new launch condos, have you always thought of investing in a new launch condo but find yourself hesitating, afraid of making the wrong choice, or perhaps overwhelmed by the options? Compare 80+ condos in 10 hours at PLB New Launch Convention 2024 on July 7th, 10 am - 8 pm! 1 day, 10 speaking sessions with 6 keynotes by industry experts from PropertyLimBrothers, sharing exclusive PLB frameworks for choosing the right condo! Join 3,000 like-minded new launch buyers to gain exclusive frameworks to secure your dream home.   Early bird tickets now available at $7, sign up here: bit.ly/plbnlc24   (00:00:00) Intro (00:00:45) Chuan Park (00:06:07) New launch is a sure hit? (00:12:21) Lego-style construction (00:15:21) Toa Payoh GLS Site (00:18:48) Golden Mile compound (00:22:53) Bagnall Court (00:29:27) New launch surprises (00:30:27) Tiers of Shopping Malls (00:34:16) PLB New Launch Convention (00:35:59) Outtakes

New Launch 101! George and Yu Rong talk about all there is to know about new launch condos—their current appeal, how to buy one, its processes and risks, their pros and cons, how to analyse factors such as price comparisons, layouts and locations, buyers’ remorse and more recently, the impact of the GFA harmonisation!   But before that, the duo shares their thoughts on HDB’s newest resale portal, which aims to provide a more transparent and seamless transaction process for buyers and sellers, which is great news for existing homeowners! However, will it completely rule-out the assistance that a real estate agent could provide? What about when managing complex transactions, such as concurrent buying and selling, and over certain timeframes, or even when talking about portfolio planning?   All these enriching insights and more on this New Launch 101 episode on Nuggets on the go! Speaking of new launch condos, have you always thought of investing in a new launch condo but find yourself hesitating, afraid of making the wrong choice, or perhaps overwhelmed by the options? Then get ready to compare 80+ condos in 10 hours at PLB New Launch Convention 2024 on July 7th, 10 am - 8 pm! 1 day, 10 speaking sessions with 6 keynotes by industry experts from PropertyLimBrothers, sharing exclusive PLB frameworks for choosing the right condo! Join 3,000 like-minded new launch buyers to gain exclusive frameworks to secure your dream home   Early bird tickets now available at $7, sign up here: bit.ly/plbnlc24

The Whiteboard Series is a new series on Nuggets On The Go, focusing on different segments of real estate and exploring its key points in detail. In this first episode of The Whiteboard Series, Melvin Lim, co-founder and CEO of PropertyLimBrothers talks about all things new launch condos and why these projects remain popular among homebuyers, accounting for about 50% of monthly transactions.   Stay tuned for an in-depth sharing on what you should know about New Launch condos. Melvin covers 11 key factors that attract buyers to new launches – the TOP Effect, Third Exit Audience, Popularity With Tenants, and Progressive Payment, just to name a few. Melvin also talks about one of the key processes of purchasing a new launch in Singapore, highlighting the importance of addressing defects before starting renovations, in view of the 1-year Defect Liability Period.   Find out more about these terms and understand why new launches continue to be popular, beyond just being brand new products. Tune in to hear what Melvin has to say about new launch condos in this week’s focused episode of Nuggets On The Go!   Want to be part of the discussions about all things real estate? Feeling a bit FOMO? Then join our NOTG Telegram community at t.me/notgpod, where like-minded individuals discuss everything about Singapore property. The NOTG team is inside the chat to answer all your questions too!   (00:00:00) Intro (00:02:00) TOP Effect (00:11:01) Third Exit Audience (00:12:23) SSD (00:14:11) Progressive Payment (00:16:59) Renovation (00:20:40 Defect Warranty (00:21:42) One Year Delayed Instalment (00:22:28) No COV (00:25:59) New 99 year lease (00:29:28) New Design & Tenants Popularity (00:29:44) Closing thoughts (00:30:04) Outtakes

The NOTG team continues their discussion with infrastructure development and its influence on property investment decisions. This week, they focus on regional developments, beginning with the impact of the cancelled high-speed rail project between Malaysia and Singapore and the premature hype it generated. They also explore the potential of Woodlands, highlighting the notable appreciation in property prices there over the past few years.   In an interesting segment, Melvin raises a few scenarios to the rest about investing in properties in neighbouring countries, given the appeal of foreign properties with lower entry barriers, their lower value, and the advantage of Singapore’s stronger currency. Tune in to hear what Joan, Grayce, and George have to say on this very interesting episode of Nuggets On The Go!   Want to be part of the discussions about all things real estate? Feeling a bit FOMO? Then join our NOTG Telegram community at t.me/notgpod, where like-minded individuals discuss everything about Singapore property. The NOTG team is inside the chat to answer all your questions too!   (00:00:00) Average Joe (00:00:44) Jurong's Potentials (00:11:14) Woodlands' future (MRT to JB) (00:21:50) Would you buy Malaysia properties? (Singapore - Malaysia MRT Connection) (00:28:38) Currency risk investing in foreign countries (00:32:29) "Buy for what" (00:44:18) Investing in a stable country (00:48:36) Outtakes

This week, the NOTG team discusses the URA Master Plan and how it can guide property investment decisions. They highlight the importance of understanding different plot zones and the development potential, as well as plot ratios determining the density of developments that might impact properties with previously unblocked views, which, in turn, could affect desirability and eventually their value.   Regarding the URA Master Plan, the talk of the town for the longest time has been the development of the Greater Southern Waterfront. Is it considered overhyped? Is it still too far down the road for sellers to factor it into their property’s selling quantum? What will the future hold for that area? What about other upcoming projects like the Long Island project?   Tune in as Melvin Lim, George, Grayce, and Joan from PropertyLimBrothers delve deep into the URA Master Plan, Land Plots, Government Land Sales, EC plots, and the foreseeable future development in Singapore Real Estate! Hear what they think about these factors and their impacts!   (00:00:00) Intro (00:00:36) Investing too early into a masterplan (00:08:43) Planning your future according to the Singapore's master plan (00:10:40) 2014 vs 2019 Master Plan (00:12:47) How to read the URA master plan (00:18:35) Master plan may change (00:20:59) NOTG team preferences (00:23:34) Living near schools (00:27:39) Bayshore genius master plan (00:29:47) Goverment land sales (00:34:02) Long Island master plan (00:38:19) Greater Sourthern Waterfront is it overhyped? (00:44:38) HDBs near Reflections at Keppel Bay (00:46:58) Teaser (00:47:25) Outtakes

Part 2 of the 101 series on interest rates has the NOTG team talking about the concept of money supply and its impact on real estate. They highlight how the creation of money determines the depreciation of property and eventually the depreciation of wealth. This is all relative because of Singaporeans' holding power in property, and that Singaporeans buy properties for their own stay, rather than pure investment. So what happens to Singapore’s real estate market when there is a cut in the overall Fed rates? And how do liquid assets like bitcoin and the S&P 500 relate to real estate? In this episode, Melvin Lim, Yu Rong, Grayce, and Lyndon from PropertyLimBrother continue their discussion on interest rates 101 in real estate investment. Find out what else they have to say on this week’s Nuggets On The Go!   (00:00:00) Nuggets challenge (00:00:56) Understanding M2 Money Supply (00:06:04) Singapore land size (00:10:13) Why is Singapore different? (00:15:55) The fear of interest rate increment (00:20:32) Interest rates predictions (00:27:03) Interest rates plays with emotions (00:35:38) Boom and Bust Cycle (00:38:18) Outtakes

The NOTG Team newly introduces the 101 series! This new series aims to break down complex real estate topics into fundamental principle, providing timeless insights that remain relevant regardless of market conditions. In this episode, Melvin Lim, Yu Rong, Grayce and Lyndon deep-dives into the importance of interest rates in real estate investing and also what is in today’s market. Find out their take and more on this week’s Nuggets On The Go! (00:00:00) Swensen's nuggets ice cream (00:00:50) What are the 101 Series about? (00:04:39) Introduction to Interest Rates (00:08:00) Interest Rate vs Property Price Index (00:15:07) Singapore & US Interest Rate Comparison (00:17:02) Interest rates affects buyers emotions (00:22:35) Renting or Buying? (00:29:01) It's better to buy T-bills (00:36:16) How much should you earn to beat inflation? (00:42:23) 4X Effect (00:46:21) What $1.38M gets you today? (00:48:02) OCR is the new RCR (00:53:09) SORA rates (00:54:50) "Jerome Power" (00:56:32) Part 2 Teaser (00:57:02) Outtakes

The NOTG team talks about more intricacies surrounding real estate in Singapore! Melvin Lim, Grayce, Yu Rong, and Joan discuss deep into real estate as investments, focusing on the risks, volatility, fluctuation, and the importance of asset location. However, they also highlight the benefits, noting that real estate is a tangible asset with practical uses—such as owner occupancy or rental—and its leveraging potential.  

Speaking of rental, the team also talks about the significance of balancing rental yield and capital appreciation in property investment. Melvin shares more about a bad rental yield investment move he made. Find out what they think about HDB price trends! Are they still positioned as kick-starters into real estate investment?

 All these and more on this week’s episode of Nuggets On The Go! Want to be part of the discussions about all things real estate? Feeling a bit FOMO? Then join our NOTG Telegram community at t.me/notgpd, where like-minded individuals discuss everything about Singapore property. The NOTG team is inside the chat to answer all your questions too!   00:00:00 Last Episode... 00:00:45 Are you a crypocurrecy investor or trader? 00:03:35 Real Estate vs. Crytocurrency 00:07:37 How to analyse investment potential for a unit? 00:18:14 Don't live with regret 00:28:03 Rental play, it's not so simple 00:35:52 2024 outlook for Resale HDB Flats 00:42:30 Outtakes    

In the market for your matrimonial home? This topic might have crossed your minds as a couple—should you purchase a resale HDB or a resale condo as your first home? Much like John and Sally who has an urgency to move-in within a specific timeframe.Have you ever wondered if the grants and subsidies from a resale HDB outweigh the value appreciation of condos over time? Is the higher barrier of entry for a condo worth it as a first home? Will you be missing out on long-term benefits when it comes to an exit from a resale HDB?If you’re like John and Sally and have been looking for answers to these questions, then stay tuned to this exciting face-off between Team HDB faces and Team Resale Condo, as they debate and dive into the decision-making process between both properties; which could help you decide which is best!   Watch the video on our NOTG YouTube Channel: https://youtu.be/md2rIT8e93w  

The NOTG team answers collated questions from our NOTG group chat on Telegram! Thanks to all our participants for your valuable contributions, which have culminated in this episode.   Melvin Lim, Grayce, Yu Rong, and Joan discuss the ripple effects of the new harmonisation rule on the perception of buyers. Because of the 'adjusted' PSF prices, it might change the way buyers look at a property's size in the future. The team also talks about the power of leveraging real estate as good debt and paying down your mortgage—should you or should you not? Find out the answers to your questions right here!   Want to be part of the discussions about all things real estate? Then join our NOTG Telegram community at t.me/notgpd, where like-minded individuals discuss everything about Singapore property. The NOTG team is inside to answer all your questions! 00:00:00 Introduction 00:01:29 Harmonisation 00:05:34 Shift in sizes after harmonisation 00:07:19 Harmonisation PSF & Lentor Mansion Performance 00:15:55 No 1-bedders in Lentor Mansion 00:16:36 Pay down a mortgage or leverage 00:24:52 What will happen if interest rates goes down. 00:25:35 Money is a form of energy 00:28:24 Bitcoin surpassed silver 00:30:19 Leverage on good debt 00:33:02 Afraid of money 00:35:48 Yu Rong's bad investments 00:39:05 Bitcoin is a asset 00:40:46 Understand your investments 00:43:31 Next Episode... 00:44:00 Outtakes

Melvin Lim, Lyndon, George, and Joan continue their discussion about real estate investment and what investors need to be ready. There are several ways to capitalise on real estate—own-stay (quantum play), flip and sell, or rent, but what is it that drives the appreciation and demand to ensure a ROI?  And on the topic of flip-and-sell, which is a popular investment strategy for New Launch buyers? When is it the right time to offload the property? Does that mean a private condo more worthwhile in terms of time, over an EC? The team analyses these topics and share their personal opinions.   Stay tuned for insights you don’t want to miss!

Do also join our growing NOTG Telegram community at t.me/notgpod, where you can find like-minded individuals who share the same inquisitiveness on the real estate market!   00:00:00 Intro 00:00:59 Hunt for value 00:03:37 Easy to buy, NOT easy to sell 00:06:06 Advice in buying New Launches 00:12:23 Hit TOP and move on. 00:14:17 3-Bedder sales 00:18:33 TOP effect 00:31:23 Parc Central vs Tapestry 00:40:18 Closing thoughts 00:40:57 Outtakes

Melvin Lim, Lyndon, George and Joan from PropertyLimBrothers share their opinions on the common dilemmas one may encounter when navigating Singapore’s property market. This discussion includes the continuous appreciation of landed homes, timelines to enter and exit a property, prioritising future-proofing a property purchase, accumulating an asset, and the challenges of flipping a property. Find out what deeper aspects there are to consider going into the real estate market, such as  the significance of bedroom type affecting potential profit margins. Stay tuned for another empowering banter episode of Nuggets On The Go! (00:00:00) Introduction (00:00:45) Listing Inventory for Properties in All Districts (00:06:10) Shifting to a bigger or smaller property? (00:10:23) EM/EA/Jumbo is a collector's item. (00:12:06) Choosing Resale 3-bedders over Brand New 2-bedders (00:20:07) Symphony Suites (00:26:15) New Launches in 2024. On TOP will you Stay, Flip/Sell or Rent out (00:38:13) Part 2 Teaser (00:38:40) Outtakes

Melvin Lim from PropertyLimBrothers addresses more questions from our viewers about property investment and market trends!What is the future demand for shoebox units? Would a $100 PSF increase be as significant to larger units? Is a new launch always better than and resale? And what is the comparison between 99-year, 999-year and freehold condo and landed properties? Watch on for answers to the different conundrums our viewers face in the real estate market. More questions on property yet to be answered on Ask Me Anything on Nuggets On The Go! Do join our NOTG Telegram channel and be a part of the conversation in our community! (00:00:00) Intro (00:00:55) After COVID, why are bigger units more popular? (00:05:47) Will shoebox units gain more demand in the future? (00:12:50) Start earlier on a small unit or wait for a 2-bedder? (00:17:46) Capital Growth of Cluster landed against Pure Landed or Freehold Condo (00:27:55) Outtakes

In an ideal world, cheap is often better, but there are other considerations other than quantum to take note of. Part 2 of “What is PLB’s MOAT Analysis” continues the team’s dive into its intricacies, focusing on Region Disparity and Quantum Effect. Find out what Melvin Lim, Yu Rong, George and Grayce has to say about how these elements tie together, and how property buyers can make an informed decisions when armed with the knowledge. Join them as they break down PLB’s frameworks for much easier understanding—on Nuggets On The Go! Check out Melvin’s brief introduction into PLB’s new Pacer framework on this episode on our main PLB channel as well! (00:00:00) Introduction (00:02:16) Price triumphs everything (00:07:59) Pairing Strategy (00:09:41) Hybrid Buyers (00:10:59) Exit audience (00:15:45) Why people move towards a different estate? (00:17:31) How a Buyer perceives Price Acceptability to make an offer (00:23:19) People also affect the sale property (00:24:27) Price right after renovation (00:25:56) Make your property look more 'Atas' (00:27:24) PLB latest technology (00:29:35) Hunting for an undervalued property (00:31:12) PLB's Pacer framework (00:31:36) Closing thoughts (00:31:58) Outtakes

You may have heard us refer to it numerous times on our Home Tours, but what exactly is PLB’s MOAT Analysis? How did it come about and what does it do? On this episode of NOTG, Melvin Lim, Yu Rong, George and Grayce shed light on the genesis of the framework and its enduring relevance in navigating the ever-evolving property market. Additionally, they explore the potential future for Work, Live, Play in the CCR with its proposed rejuvenation. The team dives deep into the 10 key factors that make up the MOAT analysis framework, dissecting each component to reveal how it provides insights for homebuyers seeking the best properties to buy into according to their respective needs, and to anticipate their exit plans. From its inception as the very first PLB framework, and how PLB continues to improve on this framework, ensuring that it remains a cornerstone of strategic property analysis. All these and more on this episode of Nuggets On The Go! (00:00:00) Exercise & "Oh George" (00:01:16) What is MOAT Analysis? (00:12:34) Buying a property before the MOAT Analysis framework. (00:17:29) Less investors in CBD (00:25:54) Efficient layouts (00:27:40) MOAT Analysis for Altez (00:31:54) "Sweat Factor" (00:34:24) "Have you heard about the Volume Effect?" (00:39:12) Boutique Projects for investment. (00:41:05) Next episode teaser (00:41:31) Outtakes

Many of you should be familiar with our MOAT Analysis and Trifecta Analysis from our numerous Home Tours by now. On this episode of Nuggets On The Go, Melvin talks more about our suite of proprietary in-house tech tools and how you can use them to make the right property decisions and calculations.These suite of tools, are available through our online portal and can be utilised with or without the assistance of our consultants. With these tools, you could calculate potential profits, chart your progressions, chat with our AI chat bot about anything real estate, and many more! Tune in to Nuggets On The Go and take charge of your property journey today! (00:00:00) Introduction (00:01:24) PLB Nucleus App (00:02:30) Alana (00:02:58) Disparity Effect (00:03:20) Trifecta Insights (Free Consultation) (00:04:07) MOAT Analysis (00:04:49) AI Renovation Tool (00:05:07) PLB Journey Maker (00:05:53) New Launch Portal (00:06:08) PLB Website (NOTG, Educational Videos & Services) (00:06:35) AlanaChat (00:06:46) Property Profit Analyser (00:07:04) Closing thoughts (00:08:11) Outtakes

Ever made a costly mistake in real estate or investments? In this episode, Melvin Lim from PropertyLimBrothers shares his story of regret regarding the purchase of his jumbo HDB apartment and how he eventually incurred a financial loss; which was the result of timing the market. Melvin reflects on his property portfolio, talks about his personal anecdotes in his real estate journey, whilst putting his lessons into practice to create PropertyLimBrothers. He also speaks about how learning about property investment frameworks have helped him made better investment decisions.To understand more about the balance and between the happiness index and the investment methodology index and their respective significance, be sure to watch this episode of Nuggets On The Go! A shoutout to all who have joined our NOTG Telegram channel, thank you for your support! If you’ve not joined yet, don’t miss the conversations anymore! Join our NOTG community at t.me/notgpod. Stay up to date with our upcoming webinar dates on propertylimbrothers.com’s webinar tab! (00:00:00) Intro (00:01:38) Melvin's first home (00:02:27) Fundamental framework in buying a property in Singapore (00:06:44) Power of Reinvestment: Leveraging your first property for future expansion (00:10:25) Having confidence and understanding for investing into a property (00:17:04) PLB Assembly (00:18:54) Closing thoughts (00:21:02) Outtakes