5 Expert Tactics to Market Your Property Listing Like a Pro

Posted on July 28, 2022August 2, 2022 by Maelyn Lagman

Marketing is the lifeblood of any business — even real estate. That’s why you need to know how to market your property listing in order to get it out there and increase your chances of selling your home, because the more people you can reach, the better your chances are at finding a ready buyer.

It’s not that complicated either; the marketing of a property listing should be the same as the marketing of any other product.

Think of Nike. They’ve marketed their products so well that, at one drop, buyers flock to their stores to cop the latest pair of, say, Jordans. It’s not like there are no competitors in the market, though.

You’ve got the likes of Adidas, Puma, and New Balance fighting for the attention (and wallets) of sneakerheads, yet Nike remains at the top of buyers’ minds when they want a trendy, comfortable, and functional pair of shoes. Whether they’re an athlete or your regular Joe.

But how do you build such a high level of awareness and reach among buyers that, no matter how saturated the market is, you can attract the right property buyer to your listing?

Here are five marketing tactics you can do right now to list your property like a pro:

1. Market your property listing as soon as possible

You know what they say, the early bird catches the worm. So if you’re a hungry bird, the quickest and easiest way to catch a worm is to be where it always goes. In this case, that’s a property search platform.

With Ohmyhome, you can list your property for free! Simply download the app on App Store or Google Play to get access to over 20,000 users — one of whom can very well be the buyer you’ve been waiting for.

*You can download the Ohmyhome app to post your listing here.*

On the other hand, if you engage a property agent to sell your home, you’ll have access to even more potential homebuyers.

More often than not, the property industry is governed by who you know more than how much you know. And as professionals whose living is to sell properties, property agents would have a wide network of co-brokers and potential homebuyers. And they can easily send a message or two about your listing and immediately get enquiries from their buyers in return.

Another thing: If you engage an Ohmyhome agent, your listing will be posted on all the top property platforms, including PropertyGuru, 99.co, and SRX. It will also be boosted on all platforms, for higher exposure and reach.

Your listing will, of course, be posted on the Ohmyhome website and app.

*You can find your listing on the Ohmyhome website along with other homes for sale.*

We will also send your listing to potential homebuyers via WhatsApp, thanks to our data-matching algorithm. You can learn more about it here.

2. Optimise your listing with Search Engine Optimisation (SEO)

Most homebuyers today are tech-savvy and educated. From our interview with several homebuyers, they will conduct their research online before committing to a purchase. This lets us know that Google is a battleground you need to be fighting on.

The way you, the seller, gets your listing in front of buyers’ eyes is through SEO, which helps a website or web page rank higher on a search engine like Google to drive more traffic to your site. In this case, SEO will help your listing (which, if you followed Tactic #1 above, will be on a property listing platform) show up at the top of a Google search results page.

So how do you do that?

When listing your property, it’s all about using the right keywords. What do buyers search for when they’re searching for a property?

You may have a better understanding of what buyers search for than you may think because, if you’re selling a property, then you’re most likely in the market for a new home as well. Take some time to perform a keyword search on Google and type different variations of ‘homes for sale‘, like ‘HDB resale flat for sale woodlands’ or ‘Woodlands HDB listing for sale’.

With Google’s autocomplete function, you’ll immediately find the most-searched terms that buyers use, which will be the right set of keywords to use for your listing.

Click any search result and you’ll see how other websites use SEO to rank higher on Google’s search results pages.

If you can master the basic SEO best practices, you stand a better chance at reaching more buyers, and the easier it will be for you to track the responses to your listings.

Once you get the hang of it, you can adjust your listing descriptions and images for better results.

With the right keywords, your listing page can rank higher on a search engine like Google so you can remain top-of-mind among property seekers.

Conducting keyword research will also help you get to know your target buyer better. Besides, if you’re selling a property, then you’d probably be in the market for a new one as well, so you know the kind of information a buyer such as yourself will want to know. With that in mind, you can include every sellable detail in your listing.

Some basic unit details that you’ll need to fill in any property listing platform include:

Address – Did you know that, on Ohmyhome, you can now auto-fill your property address and verify your listing via SingPass?
Property type – Is it an HDB flat, a condo unit, or an apartment?
Year of completion – When was your property completed?
Floor size – How big is your property?
Tenure – 99-year or freehold?
Sale price – How much are you selling your property for?

Here’s what a home listing for sale will look like on Ohmyhome:

We’ve included a field for sub-property type for you to further detail if, as shown above, it’s an Executive Condominium, which is technically still considered under HDB.

There’s also a field for you to fill the Ethnic Quota available in your HDB block, further filtering buyers who are actually eligible to buy your property.

Remember: a good listing description contains all the information that buyers are interested in knowing and blends it with SEO best practices.

For example, this Ohmyhome listing:

Denotes that the listing is special and fresh by using the words ‘exclusive’ and ‘new’

Reiterates the sale price in the beginning, usually the first thing that buyers will ask for

Highlights USP #1: The unit has undergone the Home Improvement Programme

USP #2: The area is quiet!

USP #3: Within walking distance to public transportation

USP #4: Close to amenities for your daily necessities

USP #5: Proximity to schools

3. Make an impactful first impression with good listing images

Think of your listing as your first impression to your buyers. How do you want them to perceive your home? Do you want to invite them in or turn them away?

If you’re selling your home, we’re sure you want to invite them in. This is how you do that.

To invite buyers to connect with your home on an emotional level and inspire them to imagine themselves living in it, your listing photos have to sell the lifestyle they envision for their future. Is it understated luxury they’re aiming for?

Lucky for you, if you hire Ohmyhome, you get a property agent who’s trained in the basics of property photography and is assisted by an in-house marketing team with professional photographers to:

Highlight the space of your home through different angles
Declutter so your unit looks clean and organised in the listing
Find the best lighting to accentuate the interior design of your flat
Adjust elements in your home, such as furniture, for a more aesthetic look

Take a look at this photo, taken by Ohmyhome’s in-house photographer, for a now-sold $1 million resale HDB flat in Toa Payoh. It highlights the space of the home and the open floor-plan concept from an angle from which you may not have thought of taking the picture.

The space is also free of clutter and the decor they do have are arranged neatly. It may look like your average HDB flat, only the furniture is arranged just so and the floors are gleaming, showing off the marble — it’s spick and span and each piece is in its rightful place.

If photos speak a thousand words, then your listing should be saying, This is the home of your dreams. And you can do that with Ohmyhome on your side.

4. Create a striking video that sells a lifestyle, not just a property

While a listing image is absolutely necessary when you’re posting a listing on a property platform, a video is not as important. But it is more impactful.

Here’s how you can create a great video tour when selling your home:

See, you can’t just sell your property. You also have to sell a lifestyle — the kind of life they’re already envisioning in their heads, and the life they can aspire to if they live in your home. In your neighbourhood.

And the best way to sell a lifestyle today is through a video.

The reason why brings us to our next point…

5. Leverage social media to spread the word about your listing

The rise of social media — namely, Facebook, YouTube, Instagram, and more recently, TikTok — has shaped the way we consume content and buy products, even one such as real estate. And since its conception, these platforms have paved the way for video to become the best medium for property advertisements. The success of a certain group of property agents is proof enough that it’s true. And it works.

Today, agents have found various ways of selling a home. On TikTok, you’ll find smooth, gliding home tours of luxury apartments with every beat of trending audio dictating the flow and cut of the video.

@ohmyhomesg
Live out life’s finer pleasures at first-ever Quincy-branded luxury residence at One Holland Village #property #condo #newlaunch #singapore #investment #hometour #propertytour #condotour
♬ Team – Lorde

On YouTube, an in-depth home tour that shows you every nook and cranny of a property while also highlighting its unique selling points: Show your target buyer what makes your home special!

Does it really have a rare high ceiling that’s rare in Singapore?

View this post on Instagram

A post shared by Ohmyhome (@ohmyhomesg)

Or is it located in a well-connected neighbourhood where public transport is easily accessible, highways are nearby, and amenities are within walking distance?

Social media is your best friend when it comes to promoting your listing in this day and age. A Facebook post or Instagram story will bring your listing into the direct eyesight of buyers.

And if you follow the marketing tactics mentioned above, you can catch their attention, draw them into clicking your listing, making an enquiry, and eventually, an offer that you can’t ignore.

We’re sharing all this with you to keep you updated and better informed on the best ways to market your listings, or how property agents market usually market theirs. Whether you engage an agent to sell your home or not, it’s good to know the lay of the land so you won’t be shortchanged.

But if you’d rather leave the marketing of your property listing — and the selling of your home — to actual licensed professionals, Ohmyhome is your best bet.

Sell your home fast and at the best price with Ohmyhome!

Sell your home for a high price in no time, hassle-free. Our Super Agents are CEA-certified and among the Top 1% in Singapore. With more than 180,000 happy customers served, we’ve garnered 4-star ratings on both Facebook and Google! Because at Ohmyhome, we‘re always by your side, always on your side.

Call us at 6886 9009 to secure an appointment with any of our Super Agents or message us in the chatbox at the bottom, right-hand corner of the screen. You can also WhatsApp us at 9755 9283!

How To Calculate Your Cash Proceeds From Your Home Sale

Posted on July 27, 2022July 29, 2022 by Ohmyhome

Congratulations! Your home has hit the 5-year Minimum Occupancy Period (MOP) and now you’re able to sell your home to reap the profits from your purchase.

It’s an exciting time, and you’re already picturing the lump sum of cash that will enter your bank account once the whole process is over.

But now you’re wondering to yourself…

“How much do I actually get IN CASH after the sale?”

That’s a great question, and we’re here to answer it.

Join me and let’s do the math (one step at a time) to figure out your home sale.

The main factors we need to look at are the following:

Sale price of your home
Outstanding loan
Refund of CPF OA used + Accrued interest
Property agent fee
Legal fee
HDB resale fee

And profit!

So, here’s how to calculate!

Let’s say, you purchased a 4-room BTO at $400,000, 5 years ago.

With this in mind, you placed a 10% downpayment of $40,000 using your CPF and took a HDB loan of $360,000 at 2.6% per annum (p.a.) for 25 years.

As a result, that means your monthly mortgage repayment amounts to $1633.21 per month, and you decided to service the entire monthly mortgage using your CPF OA as well.

Still following along? Great. Let’s continue. (Now with formulas!)

After 5 years, your property has appreciated by 25% and grown to $500,000. A $100,000 profit — great success!

While technically correct, let’s see exactly how much you can take home in cash.

After 5 years of paying your loan, your $360,000 loan is now at $305,393.93.

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As shown above, you may be wondering why after paying close to $98k, your loan principal only reduced by $54.6k. Well, that’s because only a portion of the monthly payment reduced the principal. The rest was paid to interest.

The next step is to calculate your CPF OA refund. Take note that this will be paid back to your CPF OA, not given in cash.

After using $40,000 for your downpayment and servicing your entire monthly mortgage with your CPF OA, you now owe yourself $149,585.07.

To calculate this, we use a financial calculator to find the future value of your CPF with Accrued Interest owing. You can download an app to try this for yourself or use Microsoft Excel to input the Future Value (FV) formula to find the same results.

This image has an empty alt attribute; its file name is How-To-Calculate-Your-Cash-Proceeds-From-Your-Home-Sale-3.png — *The Time Value of Money formula was used via the app Financial Calculators.*

Great. Next, you were smart to engage Ohmyhome’s Super Agent to sell your home. To reward them for their hard work at finding you a buyer who agreed to your ideal sale price, you pay a low market rate of 1% service fee + 7% GST. This amounts to $5,350.

Let’s combine the last 2 assumptions: Assuming you engage HDB’s legal services, using their helpful Legal Fees Enquiry Facility, it’ll cost you $290, with an additional resale fee of $80.

Let’s punch in the equation, shall we? (we’re almost there).

Sale price – Outstanding loan – Refund of CPF OA used with acc. interest – Property agent fee – HDB legal fee – HDB resale fee = Cash in bank

$500,000 – $305,393.93 – $149,585.07 – $5,350 – $290 – $80 = $39,301.01

To sum up, a $100,000 profit translates to…

How To Calculate Your Cash Proceeds From Your Home Sale

$39,300 cash in your bank account.

“But what if I want MORE?!”

We want to help you with that.

There are 3 ways to help you earn and keep more profits in cash:

1) Sell your home for a higher price
2) Reduce your mortgage interest rate (refinancing)
3) Don’t use all your CPF

1) Sell your home for a higher price

This may be the most obvious solution, but it’s perhaps the hardest to achieve. The best ways to achieve a higher selling price boils down to a few factors:

Better staging of your property

There are just some things you cannot physically change. Your home’s location and its size. However, staging could help you overcome pesky “flaws” in your property.

Staging your property is the art of beautifying your home for pictures. The first thing most people see when looking at a property listing are the pictures.

Before price.

Before nearby schools.

Even before the closest amenities.

This image has an empty alt attribute; its file name is 4-Things-to-Consider-Before-Buying-HDB-Resale-Flat-in-2022-1.png

The look of the home is the reason why an interested buyer may continue to care and consider buying your home.

You don’t need to be a world-class photographer or an award-winning designer.

Just an eye for highlighting natural light and space could already win you 90% of the battle for attention.

Ohmyhome’s Super Agents are trained to do exactly that. With an average transaction of 120 HDB homes in a year, they’ve seen it all. Even smaller homes with an intimate setting can be staged to look spacious and welcoming.

Aggressive marketing

In simple economics, demand drives prices. The more people want it, the more valuable it becomes.

This is the same for your home.

Attracting more individual buyers, having the opportunity to get them to outbid one another, and closing at a higher price just to swat away other parties would certainly help you increase the sale price of your home.

This image has an empty alt attribute; its file name is real-estate-ohmyhome-super-agent-close-deal-sell-hdb.jpg

However, for many of the property listing sites, you need to be a property agent yourself before you can list your home.

Another option you may have is to run advertisements and get interested buyers to contact you directly. But it comes with heavy costs that eat into your potential profits, without even considering the time you’ll have to set aside to entertain every inquiry and arrange viewings whether they’re genuine or just window shopping.

The alternative? Ohmyhome.

Ohmyhome, until today, remains the only property tech solution that allows homeowners to list their homes for free. And you can download our app here.

Our MATCH solution then pairs buyers — who have input the type of properties they’re looking for — with you, if there’s a match.

You’ll get notifications as quickly as an 18-year-old heartthrob who just joined Tinder (ah, the good ol’ days).

Real buyers with genuine interest, notified immediately.

Other agents may claim they have ready buyers for your home, but we actually have proof.

Persuasive negotiation

Finally, bringing out the inner Jordan Belfort. Remember that guy in Wolf of Wall Street?

Wolf Of Wall Street Hmhm GIF - Wolf Of Wall Street Hmhm Chest GIFs

You want to sell high, and they want to buy low.

If you want to sell your home at a higher price, you’ll have to convince your buyer that it’s worth the price.

Remember, if you’re selling your home above valuation, your buyer will have to pay a Cash Over Valuation (COV) in cash.

That’s a big commitment for them and requires expert negotiation for you to pull off.

Ordinarily, we don’t expect many homeowners to be able to do so, and that’s why it’s proven that having a seasoned property agent with years of experience could add an extra 5-15% on average in the sale price.

Here are just some examples.

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Ohmyhome does it day-in-day-out, and we regularly update our latest transactions to show you how successful we are at selling homes above average transacted prices.

2) Reduce your mortgage interest rate

Your next biggest culprit in reducing your cash profits is the interest rate you’re paying.

If you were to get a mortgage rate of 1.8% p.a instead of 2.6% p.a with a bank loan, you’ll be:

Saving $142.14/mth or $8528.61 over 5 years,
Reducing your loan balance by $5,057.83 as more is paid to principal than interest,
Using less CPF OA and accrued interest by $9,074.52,
And increasing your overall cash proceeds by $14,132.35.

Altogether, that’s an extra 36% of cash profits from one little trick.

Now, we understand that as of writing, interest rates have flown through the roof. But when interest rates fall in the future, be sure to refinance your mortgage to get a better deal and to earn a higher profit overall.

Ohmyhome provides mortgage services as well, so do keep us in mind.

And last and most controversially,

3) Don’t use all your CPF

I feel like I’m going to be burned at the stake here, but the numbers don’t lie.

This image has an empty alt attribute; its file name is 20161117_mf_cpf_bishan-1024x577.jpg

While your CPF OA is returned to you and you can immediately use it again for your next purchase, the double whammy of not earning interest from the government and instead paying yourself that interest is a painful pill to swallow.

From our calculations above, if you would have used cash for both the downpayment and the monthly mortgage, you would have paid $138k instead of $149k.

That’s an extra $11k that you would earn directly through your CPF interest rate from the government.

And all that $138k is returned to you in cash to use however you please.

Now, we’re not advocating for you to just use cash. In fact, that’s close to impossible for most Singaporeans.

We’re just here to present the facts and it’s up to you to decide. Perhaps a combination of both?

Let’s put it all together

If you followed our tips and…

Sold your home for 5% more earning you an extra $25,000.
Reduced your interest rate from 2.6% to 1.8% earning you an extra $14,000.
And used cash instead of CPF earning you an extra $11,000.

You’ll be walking home with $50,000 in additional profits — more than doubling what we started with.

How does an extra $89k sound to you?

It’s a brand-new car, or buying your next house a few floors higher, or even paying the university tuition of your future child.

Well it sure sounds good to me.

Let us help you achieve this when you sell your home.

All you have to do is to drop us a call, message us on Whatsapp, or fill in a callback form and we’ll get back to you in 15 minutes.

Set up a meeting with our property agents and get your home-selling journey to the best start.

To more profits and a smoother experience!

5 Things You Need to Know Before Hiring a Renovation Firm (2022)

Posted on July 26, 2022August 2, 2022 by Ohmyhome

An older version of this article published in 2019 is still available here.

It is always a good idea to do a little homework before embarking on your home renovation journey. Not only will it help you be more prudent with your budgeting, but you may also learn a few neat tricks to get your money’s worth. Knowing how the timeline and budgets work also will help you keep an eye on the renovation process so you know what to expect at each “milestone” of your renovation, which could trim off unnecessary wait times in between each mini-project of your home makeover. Below, we delve into a quick guide on choosing a good home renovation company.

1. If you can’t gel, it’s not going to go well

Whoever you choose to work with should instantly get you and your ideal design in mind. Rapport between you and your designer is crucial, and if your designer doesn’t seem to get what you want, or seems to keep taking you in a different direction, you could consider getting a second opinion. In fact, we highly recommend shortlisting at least three firms so you can compare quotations, interior design styles, and assess their work ethic before picking one that best suits your needs. After all, this is going to be your home for the next few years at least.

Unless the interior designer is giving you enlightened advice on not installing certain frills in your home that may be high maintenance, or getting wall-to-wall built-in carpeting when you have a pet in the house, your renovation company should be able to fulfil your requirements and desired style within reason.

It’s a good idea to browse through portfolios of your shortlisted renovation companies. Ask detailed and technical questions on the kind of materials that will be used, the timeline they are proposing, and a full breakdown of costs, and be thorough on your research, before you sign any documents. Renovation loans can cost you years of expensive monthly instalments, which is a terrible burden to bear if you’re not getting your money’s worth.

2. Be wary of rotten reviews

While forum reviews are pretty ambiguous, if a renovation company has been called out online, we strongly suggest you exercise caution and do your research before considering taking them on for your home renovation project. Negative reviews can be highly subjective, and good design firms can be brought down by irate customers with unrealistic expectations.

As such, your safest bet is to use a renovation company recommended to you by a trusted friend or acquaintance, making sure it has all the proper accreditations and licences, checking up on their backgrounds and reviews, and ensuring the company does not have a high turnover rate and has been in existence for some time. Designers that disappear, or contractors checking out of the project mid-way; who needs stress like that in their lives?

You can even ask for references, so you know the company actually has a repertoire of happy customers.

3. You have to know what’s what

In the course of your renovation, your contractor will likely have to secure permits, licensing, approvals, and the like.

Knowing exactly what documents you will require for your renovation will go a long way in making sure your contractor doesn’t try to “smoke” you with non-existent “waiting periods” in an attempt to hide renovation delays.

Knowing what permits are involved also helps you recognise if your contractor is truly experienced. Having the right permits will avoid future issues with inspections and safeguard the resale value of your home.

4. Stick to your budget

Before reaching out to renovation companies, it’s important to come up with a budget range that you can spend and highlight it to the designers. Depending on the scope of work and your design ideas, most renovation companies can work within the budget given. High-quality or premium materials will cost more, and in turn, will raise the costs of your renovation.

Your designers should be able to advise you on suitable material substitutions to achieve the overall look you desire. With the plethora of material choices available in the market these days, it is a breeze to find materials for your home that may cost less, while providing you with the convenience of lower home maintenance and improved sustainability in the long run.

Making separate lists of what you need versus what you want, helps you separate the non-essentials from the basics. A good renovation company will provide you with a detailed breakdown for every single cost — inclusive of items, specifications, the materials used, and the timeline of installation — so you can keep track of your budget and eliminate any unnecessary add-ons.

5. Tying up loose ends

A good company should have a clear payment schedule, which should never involve full upfront payments before the job is completed. That is a serious red flag for renovation scams.

Before making the final payment, ask your renovation company to review each project on the detailed quote and check thoroughly to see if the work has been satisfactorily delivered. A reliable contractor or designer will highlight any defects to you before you even spot them, so you have accountability and a promise from them to touch up or make good on the flaws, if there are any.

One last tip: Don’t be afraid to ask questions if anything looks incomplete or if the clean-up was shoddy. Take note that renovation companies usually provide chemical cleaning before key handover to ensure that you can move in the day after. While you may want to mop the floors for an extra shine or run over your carpentry with a rag again, your new home should be move-in ready at the handover point.

Want to find a reliable renovation company?

Ohmyhome Renovations is here to turn your vision into reality!

Renovation not just improves the overall value and aesthetic of your house, but it allows you to enjoy your home to the fullest and incorporate a part of yourself into the spaces around you. So sit back, relax and let us turn your house into a home, because at Ohmyhome, we’re always by your side, on your side.

Engage our experienced team of interior designers and contractors for a well-executed home renovation project. Call us at 6886 9009 to secure an appointment with any of our Interior Designers or message us in the chatbox at the bottom, right-hand corner of the screen. You can also WhatsApp us at 9755 9283! Or get a free quote for your home in seconds!

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What You Need to Know About the Lease Buyback Scheme (LBS) – Updated 2022

Posted on July 22, 2022July 22, 2022 by Ohmyhome

Can you make money from your HDB flat while living in it? Is there a way to make an income from your property without renting it out?

The answer to both of those questions is: Yes, under the Lease Buyback Scheme (LBS).

What is the Lease Buyback Scheme?

The LBS allows you to sell part of your flat’s lease back to the Board and use the proceeds to receive a bonus that can be your stream of income during retirement.

Are you eligible for the LBS?

You must meet these requirements to qualify for the scheme:

Criteria	Eligibility
Age	65 years old or older
Citizenship	At least one owner must be a Singapore Citizen
Gross Monthly Household Income	$14,000 or less
Flat Type	All flat types, except for short-lease flats, HUDC and Executive Condominiums
Property Ownership	Must not be owning another property at the same time
Minimum Occupation Period	5 years
Minimum Lease	At least 20 years

So how does the LBS work?

Let’s say, you and your partner are both 66-year-old empty-nesters who own a fully-paid 5-room-flat, and it has a remaining lease of 65 years.

Under the Lease Buyback Scheme, you can choose to sell 35 years of your lease to HDB, keeping the remaining 30 years of the lease, and get a bonus! The LBS bonus depends on the type of flat you own, though.

Since you own a 5-room flat, the LBS bonus you will receive can be up to $7,500. 4-room flats, on the other hand, can receive up to $15,000 and $30,000 for 3-room flats.

In addition to the bonus, the proceeds will be used to top up your CPF Retirement Account (RA).

If there is only one flat owner, the RA top-up will be up to the current age-adjusted Full Retirement Sum (FRS). But for households with two owners, each owner will have to use his or her share of the proceeds to top up his or her RA to the current age-adjusted Basic Retirement Sum.

You can only pocket the cash left after you’ve topped up your CPF RA. You may retain up to a maximum of $100,000. But if there’s still some remaining proceeds after the top-up and setting aside of the $100,000 cash, you are required to use you and your co-owner’s share to futher top up your respective RAs to the current FRS before you can keep the remaining balance in cash.

How to determine your remaining lease period?

You can actually choose how long your remaining lease will be, according to the age of the youngest owner of the flat. The duration of the lease retained will determine the amount of net proceeds you can receive.

Age of youngest HDB flat owner	Minimum lease retained	Other options
65 – 69	30	35
70 – 74	25	30, 35
75 – 79	20	25, 30, 35
80 and above	15	20, 25, 30, 35

Here’s how to determine the amount you need to top up to your CPF RA

This applies to applications received from 1 Jan 2022.

Age of Flat Owner	Top-up Requirement for 1 Owner	Top-up Requirement for 2 or More owners
65 – 69	$192,000	$96,000
70 – 79	$182,000	$91,000
80 and above	$172,000	$86,000

How to calculate the amount of LBS bonus you can receive?

Your household will receive the full bonus as long as the total top-up to the flat owners’ RA is $60,000 or more. If you are unable to do so, you will receive a pro-rated bonus of:

$1 for every $2 CPF top-up for 3-room or smaller flats; or
$1 for every $4 CPF top-up for 4-room flats; or
$1 for every $8 CPF top-up for 5-room flats or bigger flats.

So how can you actually earn money through the LBS?

Well, if you have at least $60,000 in your RA after the top-up, you can use those savings to buy a CPF LIFE plan, which will provide retirees with a monthly income for life. (Note: Those aged 80 years old and above are not eligible to join CPF LIFE.)

In summary, this is how the Lease Buyback Scheme works

Step 1	Sell part of your flat’s lease to HDB
Step 2	Choose to retain the length of your remaining lease based on the age of the flat’s youngest owner
Step 3	Receive a bonus of up to $30,000 for a 3-room or smaller flat, $15,000 for a 4-room flat and $7,500 for a 5-room or bigger flat
Step 4	Use the net proceeds to top up your CPF RA
Step 5	Use your RA savings to join CPF LIFE to receive monthly payouts no matter how long you live

Why is LBS important?

Retirement funds – or the lack thereof – is a pressing issue in Singapore as more and more of the elderly population find themselves facing retirement without a financial safety net and/or insufficient funds in their CPF RA. The LBS was then introduced by HDB as a way to help seniors earn cash without parting ways with their beloved home. Homeowners who participate in the scheme can still rent out spare rooms for additional income.

Does Ohmyhome’s in-house property agent recommend it?

Our Ohmyhome CEA-licensed proeprty agent emphasised that the scheme will not necessarily benefit everyone’s circumstances. He explained that the LBS would not be an advantage for empty-nesters who are willing part with their home and right-size to a smaller unit.

However, it is definitely an avenue to consider should the discerning elders have chronic/mobility-restrictive conditions and/or formed a tightly-knit community amongst their neighbours that would prevent them from buying a new home.

He recommends that it is worth considering other possible options such as right-sizing to a smaller flat if you’re willing to relocate or renting out your property to tenants. After all, you won’t be able to put your flat on the market again after LBS.

If you need assistance with regards to the Lease Buyback Scheme, you can call HDB Branch Service Line at 1800-225-5432 between 8:00 am and 5:00 pm from Mondays to Fridays.

Planning to sell your old flat instead?

Call us at 6886 9009 to secure an appointment with any of our Super Agents or message us in the chatbox at the bottom, right-hand corner of the screen. You can also WhatsApp us at 9755 9283!

Pollen Collection: New Landed Property at Nim Road

Posted on July 21, 2022August 2, 2022 by Ohmyhome

The five-year wait for landed property home buyers is finally over! The Pollen Collection by Bukit Sembawang Estates is the first government-sold site for landed homes since Lorong 1 Realty Park in 2017, and it presents a rare opportunity for multi-generational families to live under one roof while having sufficient personal space.

Located at Nim Road, in District 28, Pollen Collection comprises 132 units of 99-year leasehold 3-storey landed homes with an attic, including 106 intermediate terraces, 22 corner terraces and 2 pairs of semi-detached houses.

Renowned interior designers W Architects will be integrating the indoor spaces with outdoor living and dining spaces to let residents enjoy better views and air circulation.

Achievements by Pollen Collection developer Bukit Sembawang Estates

The project is highly anticipated by property watchers and buyers alike, especially given the impressive track record of the developers.

*A map showcasing the location of Pollen Collection by Bukit Sembawang Estates.* | *Source: URA*

Bukit Sembawang Estates saw much success with their new launch project Liv @ MB, which occupies the former Katong Park Towers site in District 15. It sold over 75% of its 298 units on its launch weekend, at an average selling price of S$2,387 per square foot (psf).

Just as Liv @ MB breathed new life into the old school neighbourhood, Pollen Collection is also expected to invigorate the hitherto stagnant local landed property market, which accounts for only 5% of housing units in Singapore.

Surrounded by expressways and transportation

Being a landed property, Pollen Collection’s accessibility is understandably not as good as other residential projects, be it condominiums or HDB flats, that have direct access to MRT stations or bus services. But it may not matter to potential homebuyers of Pollen Collection who are highly likely in possession of their own vehicles.

That said, there is some form of public transportation available nearby as bus stops aren’t actually too far off You’ll reach the ones along Yio Chu Kang Road and Ang Mo Kio Avenue 5 within 5-7 minutes of walking.

*Pollen Collection is located along Nim Road, off Ang Mo Kio Ave 5, only minutes away from the CTE.*

Pollen Collection is conveniently located on the fringe of Nim Road estate, off Ang Mo Kio Avenue 5. This puts you within mere minutes away from major expressways such as Central Expressway (CTE) and the future North-South Corridor (NSC). The CTE will provide you with a direct 25-minute path to the Central Business District. You can also expect your property’s price to appreciate once the NSC is completed in 2026, which will bring the northern neighbourhoods of Sembawang, Woodlands and Yishun even closer.

Speaking of future developments, Tavistock MRT of the Cross Island Line will also bring greater convenience to residents upon its completion in 2030 as it is only a 10-min drive away.

Always within driving distance of lifestyle malls

Flanked by Seletar and Ang Mo Kio, you will also have no shortage of food and retail options to help you unwind. Ang Mo Kio Hub can be accessed westwards within a short 14-minute drive, while Seletar Mall and Greenwich V can be reached within 7 minutes and 3 minutes by car respectively.

*Pollen Collection residents will only be a short drive away from Ang Mo Kio Hub. | Source: Mercatus Co-operative Limited*

You may even choose to take a leisurely 16-minute stroll to Greenwich V to enjoy its chic cafe brunches in outdoor spaces surrounded by greenery that Pollen Collection residents of any age can enjoy. Proximity to Ang Mo Kio also means that you’ll always be one short drive away from treating your elderly parents to affordable, nostalgic meals such as Eng Ho’s classic Fried Hokkien Mee and Lao San Kway Chap.

An impressive line of educational institutions

Whether your children are starting their first few years of formal education or preparing themselves for university or the workforce, there are plenty of schooling options available for students of all ages. Buses 70 and 854 from the bus station after Dedap Road will take Rosyth Primary School students within walking distance of their school in about 34 minutes. The same alighting bus stop near Gracehaven S Army is also close to Bowen Secondary School and Xinmin Secondary School, both of which boast an impressive history of nurturing talented individuals.

Known for its award-winning Wushu and robotics program, Peihwa Secondary School can be reached within an 8-minute by drive or 11 minutes by bike. Bus 163 also offers a direct route to school after a 3-minute walk out of the landed property estate.

*Nanyang Polytechnic is only a bus ride away from Pollen Collection. | Source: Nanyang Polytechnic*

Secondary school graduates will get to enjoy proximity to popular institutions no matter which post-secondary route they decide to take. For starters, ITE College Central is the closest to Pollen Collection and can be accessed via the CTE within 8 minutes by car and 11 minutes by bike. In particular, the comfortable cycling distance means that students will get to stay healthy while also enjoying quick commutes to and from lectures.

Students going to the polytechnic route can enjoy four bus services (159, 50, 72, 88) for a quick 30-minute commute to Nanyang Polytechnic. Finally, bus 70 takes students of Anderson-Serangoon Junior College directly to and from their homes. Nestled within close proximity to all three institutions is Yio Chu Kang Stadium to provide students with a convenient option for running, swimming and going to the gym between classes.

Jobs are aplenty at Ang Mo Kio Industrial Park

Engineers and corporate workers may not get to work from home as often, but living at Pollen Collection means quick access to jobs in the industries of semiconductors, health information systems, tech, data, telecommunications and more thanks to Ang Mo Kio Industrial Park in your backyard.

Whether you’re commuting to work via bicycle, car, or even on foot, you’ll reach the likes of STMicroelectronics, Singtel Mobile Office, IHiS and Daikin Airconditioning within 10-15 minutes. For industries where hours are long and work is physically taxing, living this close to home will always be welcome, where a refreshing shower and even home-cooked lunches are never too far away.

Looking for private property?

Let Ohmyhome’s smart data-matching technology MATCH you with the right home, according to your specific needs. Submit your preferences to us and our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match. We’ll also send you relevant content that you can use for your research and inform your home buying decision, so you no longer have to spend hours searching online for the information that you need. Because at Ohmyhome, we’re always by your side, always on your side.

You can message us in the chatbox at the bottom, right-hand corner of the screen to secure an appointment with any of our Super Agents.. You can also WhatsApp us at 9755 9283!

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I’m looking to buy a home. How much is it to engage an Ohmyhome agent?

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I’ve found a home I’d like to buy. How long will the entire transaction and process take before I get the keys?

Buying an HDB flat can take about 10 to 15 weeks, from obtaining the Option to Purchase (OTP) to the completion of sale. On the other hand, private property transactions will depend on the mutual agreement between the seller and buyer.

What will happen if the agent is not successful in helping me find a home within the 3 months?

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Record Sale: $1.2M 5-Room HDB Resale Flat in Boon Tiong

Nicole and her husband spent many contented years in their 5-room HDB resale flat at Boon Tiong Road with their children. But after the kids moved out, their house felt too big which prompted the empty-nesters to list it.

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Record Sale: $1.2M 5-Room HDB Resale Flat in Boon Tiong

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Are Ohmyhome agents really top in the industry?

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Do Ohmyhome agents work on an exclusive basis?

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What will happen if the agent is not successful in helping me sell my home within the 3 months?

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I’ve found a buyer. How long will the entire transaction take for me to sell my house?

The entire process takes approximately 10-15 weeks, from Issuing an Option to Purchase (OTP) to the completion of sale.

* 50% of HDB units were sold in an average of 7 days. 80% of HDBs in 19 days, and 90% in 26 days on average.

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1. Market your property listing as soon as possible

2. Optimise your listing with Search Engine Optimisation (SEO)

3. Make an impactful first impression with good listing images

4. Create a striking video that sells a lifestyle, not just a property

Here’s how you can create a great video tour when selling your home:

5. Leverage social media to spread the word about your listing

Sell your home fast and at the best price with Ohmyhome!

So, here’s how to calculate!

Still following along? Great. Let’s continue. (Now with formulas!)

Sale price – Outstanding loan – Refund of CPF OA used with acc. interest – Property agent fee – HDB legal fee – HDB resale fee = Cash in bank

1) Sell your home for a higher price

Better staging of your property

Aggressive marketing

Persuasive negotiation

2) Reduce your mortgage interest rate

3) Don’t use all your CPF

Let’s put it all together

1. If you can’t gel, it’s not going to go well

2. Be wary of rotten reviews

3. You have to know what’s what

4. Stick to your budget

5. Tying up loose ends

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What is the Lease Buyback Scheme?

Are you eligible for the LBS?

So how does the LBS work?

How to determine your remaining lease period?

Here’s how to determine the amount you need to top up to your CPF RA

How to calculate the amount of LBS bonus you can receive?

So how can you actually earn money through the LBS?

In summary, this is how the Lease Buyback Scheme works

Why is LBS important?

Does Ohmyhome’s in-house property agent recommend it?

Planning to sell your old flat instead?

Achievements by Pollen Collection developer Bukit Sembawang Estates

Surrounded by expressways and transportation

Always within driving distance of lifestyle malls

An impressive line of educational institutions

Jobs are aplenty at Ang Mo Kio Industrial Park

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