Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.
New HDB policy: Standard, Plus and Prime – how does it affect you?
Housing and Development Board (HDB) will change how it classifies Build-to-Order (BTO) projects, starting in the second half of 2024. The policy changes intend to ensure that HDB policies continue to remain relevant in Singapore's current social and economic construct.
This article provides a comprehensive guide to the costs of buying a home in Singapore, including down payment, stamp duty, legal fees, and renovation costs.
I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
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DISCLAIMER
This is not an official AIA newsletter. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.
I get to know about Janelle through referral. She's easy to communicate, able to understand my needs and concerns. I'd refer her services my friends and family.
Cong Nyugen Thanh, Software Engineer
The overall financial health check session was very good. I could understand and visualise the financial planning journey clearly via the boat story. Would recommend Janelle's services to my friends.
Christopher, Mechanical Engineer
I feel comfortable discussing financial planning matters with Janelle. She is professional, not pushy, and takes time to understand my needs before recommending suitable options to address my concerns.
Zulhilmi & Nelly
Janelle is someone who is easy to communicate to. She explained our needs and concerns in details. Will recommend her services to my family members and friends.
Dileep, Manager
Janelle is genuine, friendly and prompt with updates and follow up. She's very resourceful and provided detailed information for me to make a well-informed decision for saving/investment planning. I would recommend her to my friends and family.
Gideon Cheong, Club Growth Director
This is to appreciate Janelle Chong (Hui Pin) whom I've known for many years. She is a conscientious hard working person who are always cheerful. She is careful and meticulous with details and always willing to help. She's calm and composed when challenged in awkward situations as she always prepared with a solution. I will not hesitate to recommend her as a trustworthy person whom we can rely on anytime. She will be an ideal Financial Services Consultant if you will believe me. Sincere regards to Hui Pin.
