A Grand Opening For The Swanky New NV Residences

Posted on October 20, 2010 by Mindy Yong.
Categories: Singapore Real Estate News.

A Grand Opening For The Swanky New NV Residences

The opening of NV Residences, the newest and most hi-tech, luxurious condominium apartments was a much anticipated event which lived up to its expectations in every way possible.

The NV Residences became the centre of entertainment in Singapore as crowds turned up desperate to be the first to stay in the hip new condos.

Even the wintery weather conditions did not put the crowds off. Queuing in the rain with cheques for large sums of money and an eager desire to see inside the beautifully constructed condos, revellers were full of bright spirits, despite the downpour.

With the devastating state of the financial market finally picking up and the world slowly pulling itself out of the slump. The huge interest left only 40 condos out of a total of 200 still available in the previewing session. There is no doubt that the additional apartment units will be snapped up too.

The NV Residences does not simply offer a home. It offers an ultra hip, trendy and modern home. Based in Pasir Ris Grove, it is one of the most stylish condominium providers in the East. With a beautiful waterfront view and easy access to the city, many of the Singapore elites want to live here.

Not to be outdone by any other apartment block in the East, NV Residences offers a range of facilities to its residents, including Jacuzzis, gym, saunas and tennis courts.

In addition to the interested buyers were the many investors looking to purchase a property to let. This angered some of the potential buyers, claiming that this would lower the tone of the condos due to rented property not being cared for.

At the cost of approximately $500,000 for an apartment, it has been queried whether the investors will receive a payout on these condos. The recession is not increasing the buyer levels of housing and the prices of the condos at the NV residences will not encourage the community to rent at such extreme prices.

One new resident claimed that he was forced to lower his expectations due to the very high cash requirement when signing up for a condo. He had hoped to go for the top price apartments, however, had to lower this to a smaller flat so as to be able to provide the handover cash required.

The success of the NV Residences may have given other property developers the confidence to go ahead with their projects claims some of the professionals linked to this field. The credit crunch has made developers reluctant to put their plans into action, however, now that they have witnessed the success of NV Residences, more and more luxurious properties will be popping up in the East in the near future.

While the concerns for the housing market remains, the interest and new ownership of both residents of Singapore and investors is proving much more active than anticipated, leaving the owners of NV Residences with a great, smug smile!

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Mindy Yong

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Mindy@MindyYong.com

www.hotvictory.com

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Malls Expect an Increase in Retail Rents

Posted on October 19, 2010 by Mindy Yong.
Categories: Singapore Real Estate News.

Malls Expect An Increase In Retail Rents

People enjoy traveling around the small island of Singapore mainly because getting around the country is rather simple and economical due to the transit system that has evolved over the passage of time. The Mass Rapid Transit or MRT is network of railway lines that spans the entire city state. This has proved to be a very reliable means to get around due to the fact that it is cheap and even during the peak hours the longest a traveller has to wait is 3 min.

With the centre of the island being the main hub of activity, employees from all over the country travel to the “downtown” for work. With the underground subways being the most used mode of transport, it has been made even more useful with construction of underground malls. These malls feature a variety of shops ranging from home goods, salons, fashion and jewellery stores, book stores even cafés and restaurants. So other than just doing the mundane traveling the malls create the perfect atmosphere to just hang out or go on a shopping spree.

Opportune location of these retailers invites attention of everybody passing through the terminals. That is why the analysts forecast an increase in retail rents for the underground malls. They believe the increase in rent could be around 20% to 40% in the years ahead as the “The Land Transport Authority” plans to spend S$60 billion over the next 10 years to further improve the transit system especially aiming at the passenger congestion seen at terminals.
So far around 1.7 million commuters take the MRT trains to and fro their workplaces which show an increase of about 24-7% compared to 2008.

A director of retail at one of the malls said that the increase in retail rent is in direct relation to the increase in populace traffic. It is likely that with the increase of people traveling the landlords will think the tenants are enjoying better business. Moreover the landlords justify their demand of increase in rents with the fact that they have to spend more on marketing their project to gain attention. The average rent now for a retail shop at an underground mall would be around S$15 psf.

There are some underground malls that enjoy more sales than others based primarily on their location. The City Mall, also the first of these malls, connects the commuters to some key destinations. Investment analysts believe that this mall can expect rental values to increase drastically due to its architectural layout, prime location and pedestrian traffic.
Another research analyst also believes that the sales have a lot to do with the architectural configuration of the terminals. For example commuters might just walk through the terminals without even having a look at the stores, where as in another mall to reach to their key junctions the traveller invariably has to go through the shops. This therefore marks the difference of rental values of dissimilar malls.

The underground malls host a mass populace of retailers now. Investment researchers are of the view that the retailers should come up with an idea to collaborate and generate more sales that can be productive for them.

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Mindy Yong

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Mindy@MindyYong.com

www.hotvictory.com

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The Cash Premium Tags Are Moving Slightly Back Down

Posted on by Mindy Yong.
Categories: Singapore Real Estate News.

The Cash Premium Tags Are Moving Slightly Back Down

Cash premium tags can play important role in the selling of the flats. If there would be any increase in the premium tags then the sellers cannot attract more people. Mostly serious sellers need to have the lowers premium tags so they can enhance the possibility of the selling of the property. As compare to homes nowadays people like to shift in the flats as the flats are built in a more efficient and creative manners and anyone can pass the everyday life there in a better way. Nowadays some resale flat sellers are also demanding for the uncatchable cash premiums should be lower down so the hot scenario of the property business can be increased. Due to the high cash premium tags mostly people avoid to buy the flats and they think they cannot buy them because the price increases due to this specific reason.

Agents also observed that there are very few owners which prefer to lower the cash over valuation COV quotes specifically in the condition when had asked for more than $60,000 in the fact. It is very necessary for the serious sellers that they consider this thing other they can get the cold response and this is not good for them.

People who already have the fats and want to move to any other place and they want to resell their flats can become the serious sellers if they lower down the COV. Some of the other owners also demanding the less cash premium tags so that they can attract buyers. If we think about this aspect then it seems very true that if there is need of the selling the property then the total amount should be that much that the buyer would not think too much to buy. C&H Realty managing direct Albert Lu also served that now the potential clients really have lower down their asking COV by up to $10,000. This is the sign of the potential sellers also who have already bought the new house and want to move.

We all know that the matters of the property are very clear to everyone. As the value of the house or flat also increases if the location is very demandable and owners take advantage of the location as well. For example there are some of the people who residing in the MRT stations and include the high cash premiums, and these premiums are round about $50,000 and $60,000. But as the market of the property has slowed down these people are also tending to lower down the COVs so that they can sell the houses.

Now it is very much observed that the people who were asking for the higher COVs in the past now they are becoming more realistic and them if they were asking for $60,000 now they are asking for $42,000. This is really very realistic approach and by this they can active the property market. This step may create the possibility that the buyers will rush to the property market and make them to buy the property.

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Mindy Yong

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Mindy@MindyYong.com

www.hotvictory.com

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UOA Aims to Increase the Proportion of Foreigners Buying Its Properties

Posted on by Mindy Yong.
Categories: Singapore Real Estate News.

UOA Aims to Increase the Proportion of Foreigners Buying Its Properties

Singapore is known to be the most visited place in the world and anyone who wants to boost his business can market it in Singapore. UOA is a Malaysian developer group, also took the step to promote its business and wants to increase the sales of its properties. So, it has just set up its new service centre and sales gallery in Singapore at Suntec City. UOA basically works on the high-end commercial and residential developments. The idea behind developing the new property sales gallery and service centre is to attract more foreigner and Singaporean buyers who are willing to buy their commercial developments.

This is not only in the favour of the company but it is also it is in the favour of the Singaporeans and other foreigner buyers who want to have their property overseas and also want to take of it. But before this it was really impossible to check the condition of the property overseas because of the inefficient after sale services for leasing, payments, sales and repairs etc. Now the UOA have introduced the service centre so the people will definitely rely on their services and it will be very helpful in building the confidence of the buyers on services.

Before this step of the UOA the total proportion of the Singaporeans and other foreigners like from China buyers was 10 percent but now it aims to increase the proportion and wants to make it 25 percent. This proportion is basically for the high-end commercial and residential developments. The total land bank of this group is more than 60 acres and it is also to be noted that the over the next 10 years the potential estimated gross development value of this will be $1.7 billion. On the other hand if we talk about the investment portfolio of the group then its value is about RM 1.2 billion.

The opening of this office is not only related to the property services but also it will serve as the group’s investor relation office as it has about 2,000 shareholders. This company has its own place in the Singapore Exchange and in 2008 it got the secondary listing.
Other than the business point of view if we talk about the office then must say that it is really amazing. For renovating and buying the new office in Suntec City Tower One UOA spent about $8 million which is quite a big amount. That is why the interior of the office is really amazing and it seems to be the professional place.

Interested people can get any kind of the information about the property from this office. This office also launches the previews of the group’s properties details which are very helpful to decide that which property can be more appropriate for the buyers. The buyers can also have the updates of the related properties so that they can know that what is latest look of the site, which kind of development has been done and which development is under consideration.

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Mindy Yong

( +65 ) 91002985

Mindy@MindyYong.com

www.hotvictory.com

www.property-elite.com

Upward Revision of Likely Population in Singapore calls for Proper Contingency Planning

Posted on October 16, 2010 by Mindy Yong.
Categories: Singapore Real Estate News.

Upward Revision of Likely Population in Singapore calls for Proper Contingency Planning

Singapore is populous city. The shrinking per square foot available for every soul on the island is shrinking and population is increasing mainly due to influx of foreigners. Already, the citizens have already shown concerns about government’s open-door-policy to allow immigrations. Population increase has impact the health, transportation and civic services alike. Reduced employment opportunities have also triggered concerns among the citizens of Singapore.

Rush at trains and 3% vehicle growth policy by the government has resulted in citizen to question governments’ policy to allow foreigners work and reside in Singapore. Government has declared that it has no intentions of shutting the doors to foreign talent in Singapore, as it is adding immensely to the economic growth and development of the country. Nevertheless, there are indications that some revision may be made to limit the numbers of foreigners immigrating to Singapore annually. Moreover, this has also impacted on the price of living in Singapore, much to the woes of citizens, who do not make an attempt to hide their displeasure towards such policies. Government has recently introduced measured to keep the prices of private properties in check and affordable for Singaporeans. But, at least 25% of total purchase by foreigners and Permanent Residents, PR, has diluted the Government’s efforts to cool down the prices of private properties.

Singapore has most of its population concentrated on Main Island. Consultants argue that this, coupled with increasing population has reduced the rating of Singapore among live-able cities. The increasing population has put strain on the civic services, transportation and available space for each soul on the island. Many of the smaller islands has not witnessed any noticeable population growth and thence related infrastructural development.

Government’s concerned urban planning departments have already revised the target population of Singapore from 2001 estimates. This estimate has confirmed the fears by many that we may face extra ordinary pressure on urban facilities earlier than expected. They suggest that mere upward revision should only act has parameter for urban planning and not as permissible population target. If it is allowed to be so, there may start an unending process of population revisions every few years. Instead they recommend that it is the time that government should only use this bench mark to enhance and improve the urban services including housing and health etc. for the coming years keeping a margin of ten to fifteen percent increase over and above the estimates.

Live-able cities’ experts also suggest that government should start its contingency planning without any further delay. One of the most suitable options available with government is to carry out feasible studies to populate other islands, including have Pulau Ubin and Pulau Tekong. These islands should be studied for possible mass migration of certain percentage of population from the Main Island. Study should also cover the prospects of diverting foreign immigrants to these islands with better incentives and opportunities. One of the possible ways to manage this is by offering special packages to local and foreigner investors and industrialists to construct housing units and industrial units on these units.
It is the right time that this ticking bomb of increasing population by disposed off now, that do firefighting after considerable effects have already impacted the citizen and economy of the country.

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Mindy Yong

( +65 ) 91002985

Mindy@MindyYong.com

www.hotvictory.com

www.property-elite.com

Potential Home-Seekers Remain Cautious after Government Announces Private Property Price Control Measures

Posted on by Mindy Yong.
Categories: Singapore Real Estate News.

Potential Home-Seekers Remain Cautious after Government Announces Private Property Price Control Measures

Reduced interest in housing loans sparks concerns in banking sector

City Developments Limited (CDL) released 200 housing flats on Hari Jaya eve amid cautious attitude by investors. CDL reported sale of 160 flats out of 200 released in Pasir Ris residential area. Many other projects are in the pipe line but they preferred to watch out for the results of CDA launch of NV Residences. The sale has received mixed reactions from investors, both local and foreign, developers and bankers.

Government has recently announced measures to curb the upward trend in prices of private residential units. These measures are impacting the banks more than any other sector. Many banks have reported decline in housing loan applications. Although, recent economic boom has helped people to gather some cash to plan a new house or shift to a new house, recent curbs have damped their plans of immediate implementation.

Where Permanent Residents have been allowed to purchase housing units in private sector on 99 years lease, the downward mortgage value has discouraged many potential investors. People have accumulated some capital to invest during recent years and were planning to invest in new units but government initiative has put cautions over their potential investments.

During the recession and recovery period, it was only housing loans that kept banks afloat with their noses just out of water. However, it is now the government’s price cooling initiate that has impacted the banking sector more visibly than the recession. Banks have reported a sharp decline of up to 25% within a week since the announcement. Although, loan related queries pouring into bank have seen an increase during this period, but local as well foreign banks label them more to do with investors’ seeking likely impacts of these measures in their investment than actually seeking the housing loans.

Many developers were cautious too while commenting on the success or otherwise of NV Residences. Although per square foot price has remained within the acceptable range, they argue that the success can be attributed to a month-long marketing campaign by City Development Limited. They even went to suggest that the management at CDA had actually brought down the likely per square foot price of these residential units. Average price of S$ 835 was seen as truncated price.

However, others also saw a silver lining in it. They interest exhibited by buyers as well as casual visitors to browse around also reflected an upward interest in owning private houses. More so, many foreigners including Permanent Residents, PRs are now exploring the prospects of owning a private house in the cosmopolitan. The lease tenure restriction is not seen to affect their housing needs and desires. Government wants to retain the interest of foreign talent to give boost to her economy and maintain a healthy proportion in the shrinking population.

Recent launch of NV Residences at Pasir Ris is also being seen as a welcome move among the developers, who have many units ready to be released but wanted to see the interest and demand by potential home-seekers. If one goes by sale of more than 160 houses with few hours, it is a positive omen for the private property sector in Singapore.

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Mindy Yong

( +65 ) 91002985

Mindy@MindyYong.com

www.hotvictory.com

www.property-elite.com

Executive Condominium and Private Housing Sites Get Released

Posted on by Mindy Yong.
Categories: Singapore Real Estate News.

Executive Condominium and Private Housing Sites Get Released

Pasir Ris has been announced as the proposed site for the executive condominium and Sengkang will be the likely site for the private housing. The scheme was released by The Housing and Development Board yesterday. Pasir Ris site will be utilized for the development of around some 320 public housing flats whereas around 485 houses can be constructed on the 99 year leasehold plot at the Sengkang site. Government is expecting very healthy bidding by the housing projects developers for these newly released sites. This condominium will be open to Singapore citizens as well as Permanent Residents.

Interested developers can submit applications with minimum offer price. These arrangements are being made strictly in accordance with the reserve list system by the government. On approval of these bids, the government will place the site for sale by the tender.

The bids for both sites are likely to remain below the expectation due to the Aug 30 Property Cooling Measures by the government. The likely price of $ 300-400 per square foot per plot ratio will be the maximum what can be achieved by these newly released sites.
Due to the government measures the buyers of these sites will be critically reviewing the prices as these are likely to even go down below the expectations in foreseeable future. Developers will have to precisely calculate the future prices to get profits.

The recent past scenario of zero bidding for the executive condominium is least likely to be repeated. The main contributing factors in the failure were the non-development and remoteness of the site offer for the project. Developers are more tempted by the location future prospects of attracting buyers from all walks of life.

For the newly announced sites the more weightage is likely to be gained by the developers’ ingenuity in designing, building and selling scheme options for the buyers. By adopting more convenient methods the prices for the executive condominium are likely reach the double of bid price around $ 700 per square foot per plot ratio.

Due to government stringent anti-speculation measures announced on Aug 30 the developers will be forced to adopt more attractive policies and will have to shift to modern techniques in development, building and even more attractive selling schemes for the target buyers. The hard-pressed buying class is likely to avail more promising and attractive home buying solution as a result of aforesaid measures. The government intentions to avoid the future collapse of real estate business will have to be viewed critically by bidding and further development of housing schemes on the executive condominium and private housing sites at Pisar Ris and Sengkang.

397 units built in Whitewater executive condominium in Pasir Ris have completed their five years now and the average price per unit has touched around $ 669 per square foot per plot ratio. The same is likely to affect the prices on newly released site. As per government policy the owners of previous scheme can also sell their units as per the Housing and Development Board rules.

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Mindy Yong

( +65 ) 91002985

Mindy@MindyYong.com

www.hotvictory.com

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Lands at Jalan Eunos

Posted on by Mindy Yong.
Categories: Singapore Real Estate News.

Lands at Jalan Eunos

Top offer $ 414.57 per square foot per plot ratio for a 99 years lease from the Far East and other bid contenders for the sites at the Jalan Eunos has kept the market official guessing the about the efficacy of the Aug 30 Property cooling measures by the government.

The second highest bid remained 26.5% below the top one and the subsequent even far behind have shown the diluted response to the Aug 30 Property cooling measures by the government. The top bid by Far-East has been viewed as the strong marketing and better prediction of their previous projects.

Executive director of the Far East Organisation for development and planning Mr. Chng Kiong Haut declared the housing plan for a five storey apartment houses/ apartment blocks with buyers’ choice of one to four bedrooms apartments. Even the buyers’ choice to have more space in a gated community with all basic facilities will be ensured in new scheme.

Another factor for the highest bid by the Far East Organization is attributed to their recent success at The Greenwhich Apartments in the Seletar Hill area. In that project since Aug 2m, they have sold 216 one, two and three bedders at an average price tag of $ 1,065 per square foot alone.

Jalan Eunos was launched in July, and the estimates for the property were placed at $ 350-420 per square foot per plot ratio. However due to the Aug 30 property measures the land mark of such a high price could not be achieved. With the present price ratios the housing projects being considered at the Jalan Eunos are likely to be sold at $ 720-760 per square foot. Different bidders have planned different housing projects at the site.

Aug 30 measures have some bearing on the proposed lands for the housing apartments. These have forced the developers to even plan for the low cost housing units to attract the maximum buyers for these projects. The customers seem to be more reluctant to buy the costly houses, yet the inflow is not likely to be disturbed much despite the stringent property cooling measures by the government.

The developers and property consultants are still unsure of the fall outs of the property cooling measures. Yesterday’s bid for the Jalan Eunos is being viewed with more care as the demand for new housing units has remained unchanged so far. The recent successes by the bidders in provision of medium cost houses have even encouraged the few organizations to even bid higher than the normal contenders in the market.

Another phenomenon to opt the less intensive areas for housing projects by the developers seems to be in line with the efforts to ward of the property cooling measures. The same can be subsequently developed into small housing projects of one to three bed rooms units to landed projects.

Since the effects of property cooling measures are being ascertained by the analysts, the next litmus test is now City Developments preview of NV Residences in Pasir Ris.

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Mindy Yong

( +65 ) 91002985

Mindy@MindyYong.com

www.hotvictory.com

www.property-elite.com

Government’s Highest Potential Supply In The History Of GLS Programs

Posted on October 15, 2010 by Mindy Yong.
Categories: Singapore Real Estate News.

Government’s Highest Potential Supply In The History Of GLS Programs

CAN GOVERNMENT OVERCOME HIGH RISE PROPERTY PRICING BY LAUNCING FIVE NEW PRIVATE SITES?
Government decided to launch, five sites for private home seekers. Singapore Government has made available sites that can yield about 13,900 private housing units, of which about 8,100 units are on confirmed list of Government Land Scale (GLS) Program for the second half of the year 2010.This marks the highest potential supply in history of GLS program (twice yearly).Here now question arises, can government control high rising property prices?

Well the answer is not so simple, property trend is so rampant. After a long time, the market prices reached so high , making it difficult for both developers and buyers, but the Government have decided to overcome this new market price challenge ,by launching five new residential sites for private home seekers.

Singapore government, Urban Redevelopment Authority (URA) along with Housing and Development board (HDB) are handling the site sales and claims to provide more choices for developers and home buyers, in various locations across the island. More than 2,045 private homes are released for sale by the state. Governments confirmed list includes , Petir road site which is already launched ,its residential area resembles a concrete jungle, if not for the several small parks that were developed by URA,( having 2.4 ha gross area and maximum gross floor area is about 514,000 sq ft; Approximately 430 units can built on it), remaining four includes Alexander road , Tanah Merah Ketch ( west coast link and west coast crest) ,Pasir Ris road 3 and Elias road, which are now available for second half of GLS program. Applications are invited under GLS Program for second half of 2010. Under the reserve list system , an interested developer can submit an application along with minimum bid offer, if the price deemed acceptable, then the second option will be, sale by tender. The tender for the site closes at noon on October 7.

Different researchers expected fewer bids for all these sites, due to poverty market measures. Most of these sites are located in suburban areas, and people tend to like these residential areas. Due to high rise in market prices, developers and buyers are more selective now, but previous result shows a remarkable success and a lot of demand for new private sites.
But on other hand, RDA claims that the prices of private homes rose 11% between January and June. The Singapore Government seems highly interested in this private housing project. The minister of National development (MND) announced new measures to boost up public and private housing markets. The strategy of demand and supply is used by MND, as he said that, if strong demand continues a larger supply of private houses can be injected, in the first half of 2011 GLS program. MND also announced some changes in mortgage policy, from now people already having mortgage , or second home buyers can only borrow up to 70% of property’s value for second home, down from 80% previously, that must also pay 10%in cash , up from 5%.This demand side measure is just to cool the private housing market. Analyst appreciate MND’s statement and mark them as a milestone for future market in two ways; firstly it can reduce peoples anxiety ,by assuring them ,enough new sites for launch and secondly it can help in controlling high rise market prices. Analysts also claim that these areas will be more affordable than previous ones

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Mindy Yong

( +65 ) 91002985

Mindy@MindyYong.com

www.hotvictory.com

www.property-elite.com

Havelock Road Hotel Site Attracts Unexpected Number Of Bids

Posted on by Mindy Yong.
Categories: Singapore Real Estate News.

Havelock Road Hotel Site Attracts Unexpected Number Of Bids

As the property market claws back in Singapore, Urban Redevelopment Authority (URA) released another public tender for a hotel site. The hotel site at Clemenceau Avenue/ Havelock Road was made available for sale after the URA announced that it has accepted the application from the developer for its sale. Under the Reserve List this land parcel became available in March 2008.
According to a survey, the hotel industry witnesses a steady climb in the revenues generated. 2008 statistics of the number of hotel room beds available shows that Singapore is ready to accommodate around 13 million visitors. Though, a large number of tourists can put a heavy load on the island’s resources, and over shadow a small population of 4 million, yet experts analyze that Singapore can accommodate around 10 million visitors without casting a negative effect.
The tourism sector has considerably increased in first quarter of 2010 as compared to first quarter of last year. With this increase in number of tourists every year, the demand of land for hotel site increases. This is why the Havelock Road site attracted more bidders than expected.

When another 99-year leasehold hotel site was released, analysts had forecasted only a bunch of bidders for this site. And the developer committed more than only $40.8 million for this land. But this 0.55 ha land parcel drew 13 bids ranging from $50.1 million or $402 psf given by Hoi Hup Realty which was the lowest to the highest bid of $101.1 million translating into $813 psf offered by a group of companies including RB Capital.

The other bidders for this site situated between Clemenceau Avenue and Havelock Road, include Far East Organisation, Ong Beng Seng’s Hotel Properties (HPL) and other familiar names.
The prominent location of this hotel site is the biggest factor in its unexpected sale. The tourists staying in this hotel would enjoy a leisure walk to Singapore River and Clarke Quay. Also being close to the city’s business hub, this hotel site enjoys, close proximity to a popular entertainment center and food & Beverage outlets, reducing the tourists’ cost of traveling. Therefore the hotel guests will have a wide variety of places to enjoy nearby.
Singapore, an island of beautiful landscapes, coupled with the latest and innovative trends in construction, housing sector and a deliberate plan towards tourist hospitality can very likely anticipate a further increase in tourist numbers towards the following years. The successful outcome of the Havelock Hotel site also commits to the fact that future sales for hotel sites look good.

It is true however, that the sale to any land parcel is affected by many things and in case of a hotel site, the biggest consideration would be its location. From a tourist or visitor’s point of view, after spending on the hotel stay, if the cost of traveling around the island is minimized is of major advantage. Secondly the size of the land if it could harbor a 5-star hotel or a 3-4 star hotel is of serious deliberation, because recent study shows that the statistics of a 5-star hotel stay is better than others

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Mindy Yong

( +65 ) 91002985

Mindy@MindyYong.com

www.hotvictory.com

www.property-elite.com