
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
🏗️ Location vs. Classification: The New BTO Reality
The landscape of Singapore’s public housing is shifting. Piling has begun on the former Kebun Baru Primary School site in Ang Mo Kio, yet notably, it isn’t in the February launch.
As a seasoned realtor, I’m watching ...this site closely for two reasons:
* The "Plus" Factor: Given its proximity to Mayflower MRT and top-tier schools like CHIJ St Nicholas Girls’, analysts expect a "Plus" classification. This means a 10-year MOP and subsidy clawbacks….critical factors for long-term financial planning.
* Scarcity Value: AMK has seen fewer than 3,100 new units in 6 years. Demand here remains resilient, but the tighter restrictions on "Plus" flats may shift some buyers toward the resale market to maintain flexibility.
For my clients, the question isn't just about "getting a queue number"…. it’s about whether a 10-year commitment aligns with their life stages and exit strategies.
If you were eligible, would you prioritize a prime location like this if it meant a 10-year stay requirement? Let’s discuss in the comments.
Calories burned, excuses left behind.
A solid 2-hour walk this morning — not chasing speed, just showing up and staying consistent.
Progress doesn’t come from intensity alone, but from choosing movement again and again.
Which part of your week is reserved for your ...body, not your inbox?
Dear Yoke Leng,
Thank you so much for your incredibly kind words. It truly means the world to me that you reached out, especially knowing you have other friends in the industry. I don't take that trust lightly.
Handling your late aunt’s flat was a responsibility I was... honoured to take on. I know these transitions can be complex and emotional for a family, so I’m glad I could provide the clarity and guidance you needed to make the process smoother.
I really value our connection through our networking group and look forward to catching up at our next meeting. Thank you again for your lovely note!
Warmly,
Milson
Is the "Singapore Dream" becoming too expensive for the middle class?
As we head into Budget 2026, property industry giants are sounding the alarm. They are calling for a "calibrated rollback" of cooling measures to help everyone from first-time buyers to seniors ...looking to right-size.
Here are the four major shifts being proposed to the government:
🏠 1. Help for the "Sandwich Class" (ECs)
With EC prices soaring 88% since 2013, many families find themselves "too rich" for public housing but "too poor" for private condos.
* The Proposal: Raise the household income ceiling from $16,000 to $18,000 (and eventually $20,000).
* Easier Loans: Increase the Mortgage Servicing Ratio (MSR) from 30% to 40% to help buyers bridge the financing gap.
🌏 2. A "Luxury Tier" for Foreigners
The current 60% Additional Buyer’s Stamp Duty (ABSD) has effectively frozen foreign interest in the Core Central Region (CCR).
* The Proposal: Cut the ABSD to 30%, but only for ultra-luxury homes priced above $10 million.
* The Catch: To prevent flipping, this would come with a much longer 10-year Seller’s Stamp Duty (SSD) period.
🔄 3. Scrapping the 15-Month Wait
Current rules require private property owners to wait 15 months before they can buy an HDB resale flat.
* The Proposal: Remove this wait-out period entirely. This would provide immediate liquidity for seniors looking to downgrade and fund their retirement.
🏗️ 4. Lowering the En Bloc Bar
To encourage urban rejuvenation, agencies want to make it easier to sell older buildings collectively.
* The Proposal: Lower the consent threshold from 80% to 70% for older developments, preventing a small minority of owners from blocking the renewal of aging estates.
What is your take on these proposals?
Do you think raising the income cap for ECs is a necessary move for young families, or are you more concerned that lowering the ABSD for foreigners might push property prices even higher across the board?
I’d love to hear your thoughts in the comments
🛑 The "Shortcut" That Cost $180,000: Why Doing It Right Always Wins
In a world obsessed with "hacks" and "loopholes," we often forget that the shortest path is usually the most dangerous one.
A homebuyer who attempted a "99-1" property ...arrangement to save on stamp duties ended up facing massive tax penalties, a legal battle, and eventually, a dropped lawsuit with nothing to show for it but heavy
losses.
This is a powerful reminder that in the world of real estate and finance, "cleverness" is no substitute for compliance.
Why "Doing It Right" is Your Best Asset:
* Peace of Mind is Profitable: When you follow the spirit of the law, you aren't looking over your shoulder. That mental energy is better spent growing your portfolio, not defending it.
* Professional Advice Must Be Objective: Always seek advice from qualified professionals who aren't afraid to say "No" to a risky structure, even if it means losing a commission.
* Sustainability Over Speed: Tax authorities (like IRAS) are increasingly using data to spot artificial structures. A strategy that works today but collapses tomorrow isn't a strategy—it's a gamble.
The Bottom Line
Wealth is built on a foundation of trust and legality. Trying to bypass the system might feel like a win in the short term, but the long-term costs—legal fees, penalties, and reputational damage—almost always outweigh the initial savings.
Build your legacy on solid ground, not on technicalities.
When it comes to big financial decisions, would you rather take a risk for a higher immediate gain, or play it safe for long-term security?
@milsonngofficial
When Did Life Start Feeling So Fast?
Somewhere around our 40s, life seems to speed up.
Days blur into weeks.
Children grow up quietly.
Parents slow down gently.
And we find ourselves constantly “on”.
In Singapore, this phase hits harder.
Careers ...peak. Mortgages continue.
CPF looks healthy, yet never quite feels enough.
Everyone needs something — and somehow, we become the pillar holding it all together.
We’re not unhappy.
Just tired in a quiet way.
Even our homes start to feel different.
What once felt perfect may now feel too big, too empty, or too demanding — yet changing anything feels risky, emotional, overwhelming.
But this stage of life isn’t a crisis.
It’s a transition.
From building → refining.
From accumulating → aligning.
From chasing → sustaining.
The real question isn’t
“Am I doing well?”
It’s
“Is my life — and my home — still supporting who I am today?”
Sometimes, the most important decisions aren’t urgent.
They’re just waiting to be acknowledged.
Pause for a moment.
Does your current pace still feel right?
🏠 Big News for the HDB Market! 🚀
If you’ve been eyeing a resale flat or planning to sell, 2026 is shaping up to be a landmark year. According to recent reports from The Straits Times, we are looking at a massive influx of supply that could finally cool down those red-hot resale ...prices! 📉
📊 The Numbers at a Glance
A staggering 13,480 HDB flats are set to reach their 5-year Minimum Occupation Period (MOP) in 2026. To put that in perspective, that’s nearly double the supply we saw in 2025 (6,970 units).
📍 Where is the supply coming from?
The bulk of these "freshly MOP-ed" units are concentrated in some of Singapore's most popular towns:
* Punggol: 3,222 units (The biggest winner!) 🌊
* Queenstown: 2,405 units (Expect high demand in Dawson!) 🏙️
* Tampines: 2,133 units ✈️
* Toa Payoh: 1,594 units (Including the highly anticipated Bidadari estate) 🌳
💡 What does this mean for YOU?
* For Buyers: More choices! With over 13,000 "young" resale flats hitting the market, the increased competition among sellers could lead to more moderate price growth. This is great news if you've been feeling priced out lately.
* For Sellers: While demand remains healthy, the "scarcity" factor is easing. Realistic pricing will be key as buyers now have more options to compare across different estates.
Analysts expect this surge to help "rein in" resale price growth, though sought-after units in mature estates like Dawson and Bidadari will likely still command premium prices.
What’s your thoughts?
Are you waiting for 2026 to make your move, or do you think prices will stay high despite the new supply?
Let’s chat in the comments! 👇
#SingaporeProperty #HDBResale #MOP2026 #SmartInvesting #SGHomes #RealEstateSG
@Milsonngofficial
What happens when the 99-year lease on your home starts ticking down? 🏠⏳
In this insightful piece by Joyce Lim, the reality of Singapore’s leasehold market is laid bare.
While many worry about the "zero-value" finish line, there is a shifting perspective: a home ...is more than just an inheritance—it’s a vessel for memories and lifestyle.
The truth is, property isn't "one size fits all." Different buyers have vastly different priorities. Some hunt for high rental yield or future capital gains, while others prioritize a short commute to work, being within 1km of a top school, or staying close to aging parents.
Sometimes, it’s simply about finding the most spacious sanctuary within a specific budget.
As leases age and schemes like VERS come into play, the "right" choice depends entirely on what you value most today versus forty years from now.
When you look for a home, do you prioritize its long-term investment potential or how well it serves your current life stage?
Let me know your "must-haves" in the comments! 👇
Stay ahead of the market—follow for more property insights!
@milsonngofficial
Wishing my dear friends and fellow realtors a very Merry Christmas!
May your season be bright, your heart be light, and your New Year be filled with endless possibilities.
Thank you for being a part of my journey this year! 🌟✨
@milsonngofficial
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