Comments by "MrBoliao98" (@MrBoliao98) on "CNA Explains: Could HDB's mortgage rate rise above 2.6%?" video.

  1. Only people who don't understand houses actually think these upgrading schemes raise house prices. What matters at the end, your lease, the surrounding blocks, and your location. An upgraded flat much like renovation in a flat means very little.
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  2. This is why, some people think they dammm smart borrow from bank loan, and then the poor valuer waste time dealing with your flat. Just borrow HDB, when you bankrupt HDB won't force sale. And somemore you get to borrow 85% as oppose to 75% on the private market. Borrow so heavy, but a incredibly secure loan. Govt give chance for HDB flat. PS 1999 hit 5%, not 4.41%.
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  3. I disagree, it is a bundle of rights you're accorded and written for that 99 years. And right you may buy fh 999, and sometimes those houses don't even run up as much as some 99 year properties, because the govt simply give better facilities to spaces they plan. In the end is your own thinking, the govt deal you a hand, you do your own judgement call, and always take what the govt say with a pinch of salt.
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  4.  @kengleetan63  you buy the CDL project Azalea Park, Estelle, and Ballota Park in 1995, you only recently make 200k, lose money for 20 years. Another example, Cityscape@Farrer Park, if you bought in 2010 the top few floor the units in 12 years have zero capital gain, you can check the transaction yourself. There are instances can lose money, just eye open bigger, do your maths. Sometimes just 呆呆 sit in a AMK 3 Room flat might be better than a freehold, because their launch price too high. Don't believe what I tell you, don't believe what the govt tell you, don't believe the agent, read and check the transaction, and make your own educated decision. Freehold does not mean sure earn, even after 20 years.
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  5. Actually EC is nubbad, especially if built by people like Sim Lian, CDL all. The quality workmanship quite good, and better space.
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  6.  @kengleetan63  pls lor, I see the transaction I don't know and what name you pull? Freehold you just do your judgement. It depends on so many different factors, you want rent, how many good freehold is cheap, within budget and near mrt to rent? Got so many factor to consider, how? Earn more money lor. Freehold as if very cheap to buy woah you talk until like this. Those freehold within the range of a HDB price those 900 1000psf all so few and far between, either you go Changi or Cactus Drive, either which you incur the cost of driving. Sometimes 99 year in terms of quality of life, might be better. Unless you have the money to buy freehold in Hillview, but then, you also have the issue of the ground being former industrial land. No good answer to buying house. You want to listen, you read, you want to anyhow pull the name of some YouTube ad, then you live your life on that ad.
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  7. SERS flat if not good, private market won't add another 100k lah. Buy house just use more brain, and not listen to people in charge. You believe, then you follow exactly what they going go do for you.
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