
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
COURT DRAMA: Judge Rejects Bid to Sell Condo in Trust for Son! 👨⚖️
A Singapore woman's attempt to sell a $2.28 million condominium, held in trust for her son, has been firmly rejected by the High Court.
Ms Tan claimed the sale was needed to liquidate the asset to ...satisfy her $6.25 million debt to creditors.
However, Justice Choo dismissed the application, unconvinced that the sale was necessary or that it wasn't a scheme to evade stamp duty.
The core issue was Ms Tan’s failure to fully disclose her assets, liabilities, and, crucially, the fact of her late husband’s 2016 death.
The judge noted that this lack of transparency added to the "further nature" of her application.
Property trusts are a sophisticated tool for buyers, often used for three key benefits:
* Asset Protection: Shields the property from the settlor's (the person who created the trust) future creditors or bankruptcy proceedings.
* Succession Planning: Ensures smooth and private transfer of property to beneficiaries, bypassing the lengthy public probate process.
* Minor Ownership: Allows parents to purchase property for a child who is legally a minor (under 21), ensuring the asset is managed for their benefit until they come of age.
This case underscores the court's strict requirement for complete candour when seeking to deal with trust property.
@milsonngofficial
#SingaporeLaw #Trusts #PropertyTrust #AssetProtection #LegalUpdate
Happy Diwali! ✨
Sending the brightest wishes to everyone celebrating the Festival of Lights!
Whether you're lighting a diya, spending time with family, or simply seeking a little more light, happiness, and prosperity in your life, may this season be filled with joy.
...
Here’s to the triumph of good over evil, and light over darkness—a message everyone can celebrate! ❤️
@milsonngofficial
#HappyDiwali #FestivalofLights #Diwali2025 #LightAndJoy #Inclusion #Deepavali
When a Client Chose Stability Over Speculation — and Won
In every property market, there are moments when excitement and speculation can cloud good judgment. Prices rise, friends talk about flipping units, and fear of missing out takes over. But real wealth in property often comes from ...clarity and consistency — not chasing trends.
A few years ago, PJ, a friend I got to know through my walking activity, reached out to me. He and his wife had been staying in their 5-room HDB flat with their only child, who was then 15 years old. After more than a decade in the same home, PJ wanted to explore if they could take the next step — selling their HDB flat and buying two condominiums, one to stay in and another as an investment.
We sat down to review their finances, affordability, and loan tenure. After a detailed discussion, I advised them to focus on one good property first — a four or five-room condo, either a resale or one under construction. I shared with them that sustainability matters more than stretching just to chase an extra investment.
In the end, PJ and his wife made a grounded, thoughtful decision. They bought a 4-bedroom resale condo, spacious and well-located, that matched their family needs perfectly. It wasn’t flashy — but it was stable, practical, and financially sound.
Fast forward a few years: their child has grown, and both PJ and his wife have since right-sized from the 4-bedroom condo into a 4-room HDB flat. They are now happily retired, debt-free, and enjoying life on their terms.
💡 Lesson: True success in property isn’t about how many units you own — it’s about having clarity, peace of mind, and flexibility at every life stage. PJ’s story is a reminder that when you choose stability over speculation, you often end up with both security and happiness.
👉 If you’re wondering whether to stretch for more or focus on what fits you best, let’s have a chat. I’ll help you make a decision that strengthens your future — not your stress.
@milsonngofficial
🏘 EC Prices Hit Record Highs in 2025 — Demand Still Strong Despite Rising Costs!
Executive Condominiums (ECs) have reached record-breaking prices this year, with new ECs averaging $1,754 psf and resale ECs at $1,389 psf. Analysts attribute this surge to higher land and construction ...costs, coupled with limited government land supply. Fewer EC sites have been released, making each new project — such as Otto Place in Tengah and Lumina Grand in Bukit Batok — highly sought-after. Otto Place, for instance, sold 57% of its units at launch despite higher prices, reflecting Singaporeans’ confidence in ECs as a value-for-money asset.
To buy an EC, you must:
✅ Have at least one Singapore Citizen and one Citizen or PR in the application
✅ Earn a combined household income of ≤ $16,000/month
✅ Apply under an eligibility scheme – Public, Fiance/Fiancee, Orphans, or Joint Singles (age 35+)
✅ Not own or dispose of any private property within the last 30 months
ECs remain a smart bridge between HDB and private condominiums, offering potential capital appreciation and condo-style living.
💬 If you or your friends are exploring the EC route, drop me a message — I’ll help assess eligibility and shortlist the best projects for you.
@milsonngofficial
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
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