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  4. [AMA closed! Read our responses] We work in DBS Property Marketplace. Ask us anything! 🏡
  • UN
    UncleSam
    last edited by
      • Is it mathematically more logical to (i) frontload a downpayment to minimise loan amount and tenure, or (ii) invest the monies to generate passive income p.a. of around 3% while servicing a loan?

      • In relation to the previous question, what lifestyle and financial considerations should one take in making such a decision?

      • Post-Mah Bow Tan "HDB as investment" era, what should the financial considerations be for an owner of a HDB flat whose flat is fully paid for, but the flat is approaching 40 years of its 99 leasehold? Can and should a HDB flat ever be treated as an investment? If so, is it in reality more of a depreciating asset or an appreciating one?

      • Based on data, notwithstanding macroeconomic trends, at which point in its leasehold is a HDB flat no longer an appreciating asset but a depreciating asset?

      • The internet has "gurus" that talk about owning/living in a condo as an investment, even if that requires leverage. From a purely financial standpoint, is this a viable and more stable investment strategy, versus living within means, having less leverage and making (lower-risk) investments?

      • Like to ask about the CPF versus bank loan approach to buying property in your 40s. What are the main considerations for this demography of people?

      1 Reply 1 Reply
    • PO
      ponie4prez
      last edited by

        Thanks for organising yet another AMA session. For many new home buyers, I believe one of the considerations would be whether to opt for a fixed/floating rate. What are some of the pros, cons and considerations you can share about both?

        1 Reply 1 Reply
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