
Benefits of Decluttering Your House Before Selling
If you’re planning to sell your house, decluttering should be at the top of your to-do list. Not only is it free, but it also
As a trustworthy realtor, I understand the importance of forging a good connection with my clients. I make it a point to be personable and share something about myself to build rapport. Getting to know my clients is a priority for me and I’m passionate about my work.
As a responsive individual, I am skilled in handling multiple appointments and listings effectively. I understand the importance of being organized and efficient in my work to provide the best possible service to my clients.
of real estate advisory experience
Property Asset Progression
from 2003 to 2009
from 2009
who leads a team of experienced realtors
If you’re planning to sell your house, decluttering should be at the top of your to-do list. Not only is it free, but it also
Whether you’re married or single, here’s how you can get your home near (or with!) Mom and Dad 👨👩👧👦
Ready to take the next step toward a 3Gen flat or a home near your parents? Whether you’re aiming for a Proximity Housing Grant (PHG) resale flat or exploring ...Executive Condominiums or private condominiums with dual-key potential, your family plan starts here.
Do reach Milson Ng to have a chat on your family's home journey!
image credit: HDB.gov.sg
HDB Resale Prices Cool Further – Lowest Rise in Over 5 Years!
Good news for public housing buyers: HDB resale prices continue their cooling trend, rising a modest 0.4% in Q3 2025.
This marks the fourth straight quarter of slowing growth and the lowest quarterly increase since Q2... 2020. The price index climbed to 203.7, up from 202.9.
Transaction volume also dipped, with 7,157 flats sold—a 10.9% drop year-on-year—as new BTO launches in attractive areas like Bishan and Toa Payoh draw demand away from the resale market.
While prices are moderating, the number of million-dollar flats transacted still hit a quarterly record of 480 units. This suggests the cooling is uneven, driven by a greater supply of new, affordable flats.
The uncertain economic outlook urges prudence in property and mortgage commitments.
Will this moderation be enough to make older HDB flats affordable for young families entering the market?
What will happen to the value of HDB flats as more mature estates approach the end of their lease?
@milsonngofficial
Why Property Owners Shouldn’t Overlook Wills and Trusts
In Singapore, many homeowners assume that estate planning is only for the wealthy — those with multiple properties, businesses, or large savings. If you only have a single HDB flat, it can feel unnecessary to draft a Will. But ...sometimes, it’s the “simple cases” that become the most complicated for families left behind.
Take the story of a single male homeowner at Marsiling Rise. He lived modestly in his 3-room HDB flat. He had no spouse, no children, and limited savings.
In conversations with his sister, he would often say:
“I only have one HDB flat. I don’t have a lot of savings. I’m single, no dependents — I don’t need a Will.”
When he passed away unexpectedly, his father and siblings were left to handle the property.
Because he had no Will in place, the flat was distributed according to intestacy laws.
This created immediate challenges:
Delays. The family had to go through the legal process to establish who was entitled to the property and in what shares. This slowed down decisions they needed to make.
Uncertainty. Without his clear instructions, there were differing views within the family. Some felt it should be kept, while others preferred selling. What should have been a straightforward matter turned into months of discussions and stress.
It was never about the value of the
property alone. It was about clarity and care for the family left behind.
💡 The lesson here is simple: Even if you own just one HDB flat, a Will gives certainty. It ensures your wishes are respected and prevents unnecessary disputes. For families with elderly parents, siblings, or dependents, this clarity can mean the difference between peace and prolonged conflict.
A Trust goes one step further — it can ensure continuous support for loved ones, protect assets for the next generation, and even plan for specific circumstances like caregiving or medical needs.
At the heart of it, property is more than a financial asset. It is a legacy.
Planning ahead with a Will or Trust isn’t about how much you own — it’s about ensuring that the people you leave behind are cared for, guided, and spared from unnecessary stress.
👉 If you’ve ever thought, “I don’t need a Will, I only have one property,” let’s talk. I can connect you with trusted estate planning partners who will ensure your wishes are documented and your loved ones are protected. It’s a small step that creates a lasting impact.
@milsonngofficial
The Difference Between a House and a Home (Through a Realtor’s Eyes)
Over the past 16 years, I’ve had the privilege of serving more than 200 clients. Each journey has been unique — some filled with joy, others with challenges — but every story has reminded me of this simple truth: ...a house is just a structure, while a home is where lives are lived and memories are made.
One of the most memorable families I’ve worked with upgraded from their HDB to a brand new apartment about ten years ago. Back then, it was an exciting step forward — a new environment, better facilities, and a place they could truly call their own.
Fast forward to today, the home they’re staying in has doubled in value. Beyond the financial gain, it has also been the backdrop of a decade of family milestones — birthdays, school years, quiet weekends, and everyday moments that make a place feel alive.
Now, they’re exploring the idea of right-sizing. Not because the home has lost its value, but because their needs have evolved. The children are older, routines have changed, and lifestyle priorities are different.
💡 Lesson: Property is not only about capital appreciation — it’s about aligning your home with your life stage. The right home at the right time can both support your family’s journey and grow your wealth.
👉 If you’re wondering whether your current property still serves your life today, let’s connect. Just like this family, you may find that a thoughtful transition opens the door to both comfort and opportunity.
@milsonngofficial
Why Some Properties Sell Faster Than Others
Ever wondered why some units get snapped up almost immediately while others sit on the market for months? It often comes down to more than luck — it’s about having the right pricing, presentation, and strategy.
One case that stands ...out was a referral I received from a business contact. The homeowner had been renting out his apartment at The Oceanfront @ Sentosa Cove for nearly ten years. When it came time to sell, he wanted a smooth and decisive process.
Here’s what we did:
• Right pricing strategy. We priced the unit based on realistic market conditions to attract serious buyers instead of waiting endlessly for inflated offers.
• Touch-ups & repairs. A fresh coat of paint, minor fixes, and a bit of staging made the apartment feel inviting and move-in ready.
• Flexible viewings. By compromising on the viewing schedule, we made it easy for genuine buyers to come by.
The result? The unit was sold in just one viewing. The buyer walked in, saw the value, and made an offer on the spot.
💡 Lesson: Properties don’t just sell quickly because they’re “good.” They sell fast when the right preparation, pricing, and positioning meet buyer expectations.
👉 If you’re thinking about selling your property, let’s have a conversation. With the right strategy, your unit could be the next success story — just like this one at Sentosa Cove.
A property walk-through video that i did back then for this 2 bedroom listing: https://youtu.be/mS4sIFVe-ho?si=QhUEvH-wv6QZrtOF
Milson Ng
🚨 Real Estate Alert: New AML Rules Spark Compliance Chaos! 🚨
Singapore property agents are hitting a major roadblock over enhanced anti-money laundering (AML) rules, a crucial step to combat illicit funds.
The Council for Estate Agencies (CEA) now demands stricter due ...diligence, even on clients' unrepresented buyers or sellers!
Agents must now dig for sensitive financial details like the source of funds from parties they don't represent. Imagine asking a stranger for their bank records just to close a deal! 🤯
The industry supports the fight against 'dirty money,' but fears these new checks are impractical and will slow down transactions as counterparties refuse to disclose personal data.
With the CEA handing down tougher, per-breach financial penalties, the pressure is real.
This isn't just paperwork; it’s a seismic shift in how property deals are done. The industry is urgently seeking practical guidance to balance national integrity with the pace of business.
How do you think property agents can ethically and practically convince unrepresented parties to hand over their sensitive financial information?
@milsonngofficial
Looking to buy a home outside Singapore? It's a tempting idea, but it comes with real risks.
The Straits Times article by Ruben Koh offers a crucial reminder: the rules of the game are completely different from Singapore's stable market.
Don't be swayed by glossy ...ads and low prices. An overseas property could be a great investment or a massive headache.
The key is to do your homework and not rush in.
8 Things to Know Before You Buy Overseas
* Purpose: Is it for investment or personal use?
* Local Laws: Know the ownership and tax rules.
* Stability: Check the country's economic and political health.
* Currency: Understand exchange rate risks.
* Hidden Costs: Budget for taxes, fees, and maintenance.
* Financing: How will you get a mortgage?
* Management: Who will look after it from afar?
* Exit Plan: Is it easy to sell when the time comes?
Two Questions worth Pondering.
* Are you a savvy investor, or just a pawn in someone else's plan to offload bad assets?
* What will you do if things go wrong and you have no legal recourse?
Exciting News for Homebuyers: New HDB Flats at Dover!
Did you hear the great news?
HDB is set to redevelop the former ITE Headquarters in Dover into a new residential estate, with the first phase bringing over 1,300 new flats!
This is a fantastic opportunity for many ...looking for a new home in a prime location.
While the prospect of a new BTO flat is exciting, the median waiting time can still be several years, though HDB is working to bring it down to a more manageable 3-4 years.
If you or someone you know is looking to move in sooner, you might want to consider alternative options like HDB resale flats or Sale of Balance Flats (SBF).
These options often provide quicker key collection and greater flexibility in terms of location and choice.
With so many housing schemes and options available, it can be confusing to know where to start.
I've helped many people from these groups find their ideal homes, and I'd be glad to share my knowledge to help you find a home that fits your timeline and budget.
Contact @milsonngofficial if you are:
* First-time homebuyers
* Multi-generational families
* Orphaned siblings
* Couples planning for marriage
* HDB upgraders
* Divorced or widowed individuals with children
* Families with non-citizen spouses
* Couples where one is a Singapore Citizen and the other is a Singapore Permanent Resident (SPR)
* Families who previously owned a private property
* Second-timer families
Let's find your dream home together!
Cheers!
Overseas Property Temptation vs. Singapore Stability – Which Would You Choose?
Imagine waiting almost 10 years for your new home… and it’s still not ready.
This is the reality for some Singaporeans who mortgaged their ECs to invest in Johor Bahru properties.
Drawn ...by promises of attractive returns and spacious units, they put in around S$87,000 each or more.
Some of them bought a few units, not just one unit.
Yet, nearly a decade later, construction remains incomplete, with scaffolding and bare walls where homes should stand.
A new developer has stepped in, pledging handover by 2027, but for many, trust is already shaken.
Some investors have seen similar delays before, with projects taking 7–8 years to complete.
This latest case is a sobering reminder: overseas property may look tempting, but risks are real.
Before committing, always research the developer’s track record and financial strength.
💡 Would you take a chance on overseas property if the potential rewards looked high? Or would you prefer the stability of investing in Singapore real estate?
@milsonngofficial
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