The NOTG Team newly introduces the 101 series! This new series aims to break down complex real estate topics into fundamental principle, providing timeless insights that remain relevant regardless of market conditions. In this episode, Melvin Lim, Yu Rong, Grayce and Lyndon deep-dives into the importance of interest rates in real estate investing and also what is in today’s market. Find out their take and more on this week’s Nuggets On The Go!

The NOTG team talks about more intricacies surrounding real estate in Singapore! Melvin Lim, Grayce, Yu Rong, and Joan discuss deep into real estate as investments, focusing on the risks, volatility, fluctuation, and the importance of asset location. However, they also highlight the benefits, noting that real estate is a tangible asset with practical uses—such as owner occupancy or rental—and its leveraging potential. 

Speaking of rental, the team also talks about the significance of balancing rental yield and capital appreciation in property investment. Melvin shares more about a bad rental yield investment move he made. Find out what they think about HDB price trends! Are they still positioned as kick-starters into real estate investment?

 All these and more on this week’s episode of Nuggets On The Go! Want to be part of the discussions about all things real estate? Feeling a bit FOMO? Then join our NOTG Telegram community at t.me/notgpd, where like-minded individuals discuss everything about Singapore property. The NOTG team is inside the chat to answer all your questions too! 00:00:00 Last Episode... 00:00:45 Are you a crypocurrecy investor or trader? 00:03:35 Real Estate vs. Crytocurrency 00:07:37 How to analyse investment potential for a unit? 00:18:14 Don't live with regret 00:28:03 Rental play, it's not so simple 00:35:52 2024 outlook for Resale HDB Flats 00:42:30 Outtakes

In the market for your matrimonial home? This topic might have crossed your minds as a couple—should you purchase a resale HDB or a resale condo as your first home? Much like John and Sally who has an urgency to move-in within a specific timeframe.Have you ever wondered if the grants and subsidies from a resale HDB outweigh the value appreciation of condos over time? Is the higher barrier of entry for a condo worth it as a first home? Will you be missing out on long-term benefits when it comes to an exit from a resale HDB?If you’re like John and Sally and have been looking for answers to these questions, then stay tuned to this exciting face-off between Team HDB faces and Team Resale Condo, as they debate and dive into the decision-making process between both properties; which could help you decide which is best! Watch the video on our NOTG YouTube Channel:https://youtu.be/md2rIT8e93w

The NOTG team answers collated questions from our NOTG group chat on Telegram! Thanks to all our participants for your valuable contributions, which have culminated in this episode. Melvin Lim, Grayce, Yu Rong, and Joan discuss the ripple effects of the new harmonisation rule on the perception of buyers. Because of the 'adjusted' PSF prices, it might change the way buyers look at a property's size in the future. The team also talks about the power of leveraging real estate as good debt and paying down your mortgage—should you or should you not? Find out the answers to your questions right here! Want to be part of the discussions about all things real estate? Then join our NOTG Telegram community at t.me/notgpd, where like-minded individuals discuss everything about Singapore property. The NOTG team is inside to answer all your questions! 00:00:00 Introduction 00:01:29 Harmonisation 00:05:34 Shift in sizes after harmonisation 00:07:19 Harmonisation PSF & Lentor Mansion Performance 00:15:55 No 1-bedders in Lentor Mansion 00:16:36 Pay down a mortgage or leverage 00:24:52 What will happen if interest rates goes down. 00:25:35 Money is a form of energy 00:28:24 Bitcoin surpassed silver 00:30:19 Leverage on good debt 00:33:02 Afraid of money 00:35:48 Yu Rong's bad investments 00:39:05 Bitcoin is a asset 00:40:46 Understand your investments 00:43:31 Next Episode... 00:44:00 Outtakes

Melvin Lim, Lyndon, George, and Joan continue their discussion about real estate investment and what investors need to be ready. There are several ways to capitalise on real estate—own-stay (quantum play), flip and sell, or rent, but what is it that drives the appreciation and demand to ensure a ROI? And on the topic of flip-and-sell, which is a popular investment strategy for New Launch buyers? When is it the right time to offload the property? Does that mean a private condo more worthwhile in terms of time, over an EC? The team analyses these topics and share their personal opinions. Stay tuned for insights you don’t want to miss!

Do also join our growing NOTG Telegram community at t.me/notgpod, where you can find like-minded individuals who share the same inquisitiveness on the real estate market! 00:00:00 Intro 00:00:59 Hunt for value 00:03:37 Easy to buy, NOT easy to sell 00:06:06 Advice in buying New Launches 00:12:23 Hit TOP and move on. 00:14:17 3-Bedder sales 00:18:33 TOP effect 00:31:23 Parc Central vs Tapestry 00:40:18 Closing thoughts 00:40:57 Outtakes

Melvin Lim, Lyndon, George and Joan from PropertyLimBrothers share their opinions on the common dilemmas one may encounter when navigating Singapore’s property market. This discussion includes the continuous appreciation of landed homes, timelines to enter and exit a property, prioritising future-proofing a property purchase, accumulating an asset, and the challenges of flipping a property. Find out what deeper aspects there are to consider going into the real estate market, such as the significance of bedroom type affecting potential profit margins. Stay tuned for another empowering banter episode of Nuggets On The Go! (00:00:00) Introduction (00:00:45) Listing Inventory for Properties in All Districts (00:06:10) Shifting to a bigger or smaller property? (00:10:23) EM/EA/Jumbo is a collector's item. (00:12:06) Choosing Resale 3-bedders over Brand New 2-bedders (00:20:07) Symphony Suites (00:26:15) New Launches in 2024. On TOP will you Stay, Flip/Sell or Rent out (00:38:13) Part 2 Teaser (00:38:40) Outtakes

Melvin Lim from PropertyLimBrothers addresses more questions from our viewers about property investment and market trends!What is the future demand for shoebox units? Would a $100 PSF increase be as significant to larger units? Is a new launch always better than and resale? And what is the comparison between 99-year, 999-year and freehold condo and landed properties? Watch on for answers to the different conundrums our viewers face in the real estate market. More questions on property yet to be answered on Ask Me Anything on Nuggets On The Go! Do join our NOTG Telegram channel and be a part of the conversation in our community! (00:00:00) Intro (00:00:55) After COVID, why are bigger units more popular? (00:05:47) Will shoebox units gain more demand in the future? (00:12:50) Start earlier on a small unit or wait for a 2-bedder? (00:17:46) Capital Growth of Cluster landed against Pure Landed or Freehold Condo (00:27:55) Outtakes

In an ideal world, cheap is often better, but there are other considerations other than quantum to take note of. Part 2 of “What is PLB’s MOAT Analysis” continues the team’s dive into its intricacies, focusing on Region Disparity and Quantum Effect. Find out what Melvin Lim, Yu Rong, George and Grayce has to say about how these elements tie together, and how property buyers can make an informed decisions when armed with the knowledge. Join them as they break down PLB’s frameworks for much easier understanding—on Nuggets On The Go! Check out Melvin’s brief introduction into PLB’s new Pacer framework on this episode on our main PLB channel as well! (00:00:00) Introduction (00:02:16) Price triumphs everything (00:07:59) Pairing Strategy (00:09:41) Hybrid Buyers (00:10:59) Exit audience (00:15:45) Why people move towards a different estate? (00:17:31) How a Buyer perceives Price Acceptability to make an offer (00:23:19) People also affect the sale property (00:24:27) Price right after renovation (00:25:56) Make your property look more 'Atas' (00:27:24) PLB latest technology (00:29:35) Hunting for an undervalued property (00:31:12) PLB's Pacer framework (00:31:36) Closing thoughts (00:31:58) Outtakes

You may have heard us refer to it numerous times on our Home Tours, but what exactly is PLB’s MOAT Analysis? How did it come about and what does it do? On this episode of NOTG, Melvin Lim, Yu Rong, George and Grayce shed light on the genesis of the framework and its enduring relevance in navigating the ever-evolving property market. Additionally, they explore the potential future for Work, Live, Play in the CCR with its proposed rejuvenation. The team dives deep into the 10 key factors that make up the MOAT analysis framework, dissecting each component to reveal how it provides insights for homebuyers seeking the best properties to buy into according to their respective needs, and to anticipate their exit plans. From its inception as the very first PLB framework, and how PLB continues to improve on this framework, ensuring that it remains a cornerstone of strategic property analysis. All these and more on this episode of Nuggets On The Go! (00:00:00) Exercise & "Oh George" (00:01:16) What is MOAT Analysis? (00:12:34) Buying a property before the MOAT Analysis framework. (00:17:29) Less investors in CBD (00:25:54) Efficient layouts (00:27:40) MOAT Analysis for Altez (00:31:54) "Sweat Factor" (00:34:24) "Have you heard about the Volume Effect?" (00:39:12) Boutique Projects for investment. (00:41:05) Next episode teaser (00:41:31) Outtakes

Many of you should be familiar with our MOAT Analysis and Trifecta Analysis from our numerous Home Tours by now. On this episode of Nuggets On The Go, Melvin talks more about our suite of proprietary in-house tech tools and how you can use them to make the right property decisions and calculations.These suite of tools, are available through our online portal and can be utilised with or without the assistance of our consultants. With these tools, you could calculate potential profits, chart your progressions, chat with our AI chat bot about anything real estate, and many more! Tune in to Nuggets On The Go and take charge of your property journey today! (00:00:00) Introduction (00:01:24) PLB Nucleus App (00:02:30) Alana (00:02:58) Disparity Effect (00:03:20) Trifecta Insights (Free Consultation) (00:04:07) MOAT Analysis (00:04:49) AI Renovation Tool (00:05:07) PLB Journey Maker (00:05:53) New Launch Portal (00:06:08) PLB Website (NOTG, Educational Videos & Services) (00:06:35) AlanaChat (00:06:46) Property Profit Analyser (00:07:04) Closing thoughts (00:08:11) Outtakes

Ever made a costly mistake in real estate or investments? In this episode, Melvin Lim from PropertyLimBrothers shares his story of regret regarding the purchase of his jumbo HDB apartment and how he eventually incurred a financial loss; which was the result of timing the market. Melvin reflects on his property portfolio, talks about his personal anecdotes in his real estate journey, whilst putting his lessons into practice to create PropertyLimBrothers. He also speaks about how learning about property investment frameworks have helped him made better investment decisions.To understand more about the balance and between the happiness index and the investment methodology index and their respective significance, be sure to watch this episode of Nuggets On The Go! A shoutout to all who have joined our NOTG Telegram channel, thank you for your support! If you’ve not joined yet, don’t miss the conversations anymore! Join our NOTG community at t.me/notgpod. Stay up to date with our upcoming webinar dates on propertylimbrothers.com’s webinar tab! (00:00:00) Intro (00:01:38) Melvin's first home (00:02:27) Fundamental framework in buying a property in Singapore (00:06:44) Power of Reinvestment: Leveraging your first property for future expansion (00:10:25) Having confidence and understanding for investing into a property (00:17:04) PLB Assembly (00:18:54) Closing thoughts (00:21:02) Outtakes

We’re back with Part 2 of our AMA series on Nuggets On The Go! Some burning questions include: What are the implications of kick-starting the real estate journey with a condo or HDB first, and how would it affect the ability to ‘own’ both concurrently? Find out more about the ‘owner-occupier’ scheme and the investment dilemma of choosing between resale vs. new launch and property types. Curious about the pricing dynamics across different regions? Is HDB allowing million-dollar valuations? What about the future of penthouses? Is a penthouse a better investment avenue compared to a landed property or a shophouse? And how will the new GFA harmonisation rule affect the availability of such penthouse layouts in the future? Tune in for insightful discussions and practical advice! On that note, do remember to join our brand new Nuggets On The Go Telegram channel at t.me/notgpod, where you can stay up to date and connect with our community. Keep the questions flowing, and you’ll see them answered on Nuggets On The Go! (00:00:00) Intro (00:01:36) HDB owner-occupier scheme (00:07:27) Hold on to Condo and buy HDB (00:08:13) Best option for Singles (00:09:42) Small penthouses (00:12:29) Invest in a Landed or Shophouse (00:16:56) Boutique vs. Large Size Developments' valuation (00:19:02) Human psychology (00:23:15) New launch prices controlled by developers (00:28:09) New launch prices are the same in all regions (00:32:24) HDB matching valuation with million dollar flats (00:34:05) Is Dunman View still a good buy? (00:40:50) Young Singaporeans will be priced out in future (00:43:24) Outro (00:43:56) Outtakes

You’ve probably heard a lot about Lentor’s rejuvenation, but what is it all about? In this episode of NOTG, Melvin Lim from PropertyLimBrothers explores the development and transformation of Lentor—once a sleepy town, now projected to become a thriving estate in the years to come. Let Melvin explain more about our government’s focus on injecting residential zones in this area. Lentor is poised to be a new concept in townships for private properties, collectively rejuvenating the entire Thomson-Yio Chu Kang-Ang Mo Kio region. Among the new properties being built in Lentor, four land plots have already been acquired by GuocoLand; known for their much-anticipated integrated development, Lentor Modern. This project will feature retail, residential spaces, and direct connectivity to the MRT. We are also eagerly anticipating their latest project, which will occupy the largest land plot in Lentor: Lentor Mansion. The Lentor area has experienced strong sales, as indicated by the performance of Lentor Hill Residences and Lentor Modern. However, with new projects, where the new GFA Harmonisation will take effect on, prevents developers from "selling" A/C ledges to buyers. While this will simplify understanding property prices for developers and consumers, it may result in a higher PSF price at a potentially similar quantum. This change could also lead to a shift in unit sizes for future projects. That being said, let Melvin's analysis between new launches and resale properties in the area help you decide which project to kick-start an investment. (00:00:00) Intro (00:00:41) Lentor new township (00:03:47) 2024 New Launches (00:04:41) Lentor’s Transformation (00:07:17) 1km radius | CHIJ St Nicholas Girls' School (00:08:18) Lentor Mansion (00:09:50) Guocoland Project | Guoco Midtown (00:11:21) Key USPs of Lentor Mansion (00:12:19) Lentor Surroundings (00:14:14) King of Lentor (00:16:53) Harmonisation Rule (00:27:33) Lentor’s Potential (00:29:38) How townships are developed (00:31:58) Supply Factor : Macro or Micro (00:41:27) Lentor Projects | Resale vs New Condo (00:47:41) Disparity Gap (00:48:29) Wrap Up

NOTG Banter is back for the first time in 2024! First thing’s first, Melvin Lim, Yu Rong, George and Joan from PropertyLimBrothers discusses Singapore’s Property Price Index (PPI) across all property types, in reference to the latest flash estimate for Q4 2023. Today in a very insightful episode: The team analyses the impact of last year's cooling measures and explore the performance of different regions, the effects of the 15-month rule introduced in September 2022, the potential outcomes if the PPI increases by a single digit or takes a dip into the negatives; and many more! Find out what the team examines and predicts for the 2024 real estate market, as they highlight the significance of holding onto real estate as an asset, especially in times of economic downturn. If the PPI experiences a dip, we discuss how it might present an opportunity for strategic real estate investments. Exciting news! We're thrilled to announce the launch of our new Telegram community channel! We’ve been receiving lots of questions from you and we want to respond swiftly! Share your thoughts—we want to hear from YOU! (00:00:00) Intro (00:02:34) George got chickenpox (00:03:37) Property price index graph (00:07:55) Volume of transactions (00:16:41) Propertylimbrothers Website New Tools (00:17:05) Does cooling measures impact the market? (00:22:23) Foreigners hunting for 60% ABSD (00:23:13) Predictions for landed properties in year 2024 (00:24:53) Categories of landed properties (00:28:10) Easier to analyse a landed property (00:29:24) Summation of landed property price index for 2024 (00:40:50) New NOTG Telegram Community Channel (00:44:09) 15-months ruling (00:51:06) Decision Matrix (00:59:00) After 15-months (01:03:24) Clearing out unsold condo units (01:12:26) Unsold completed condos (01:13:00) New launch or resale? (01:15:33) When the market dips, Buy or Sell? (01:20:59) Outro (01:21:15) Outtakes

Thank you, NOTG viewers, for all your questions! Please keep them coming! In the meantime, Melvin Lim from PropertyLimBrothers answers a few more questions you've sent in! Some questions that you may relate to: What are the best property portfolio expansion strategies? How do you "own" one condo and one HDB at the same time? Stay tuned for another insightful discussion on more real estate strategies and considerations for future property investments! As always, please send in your questions via the comment section on Nuggets On The Go, email us at insights@plb.sg, or drop us a DM on the NOTG Instagram page. Also, sign up on propertylimbrothers.com to stay notified about our upcoming webinars and ensure you don't miss out on any real estate know-hows! (00:00:00) Introduction (00:00:56) Strategies for expanding of portfolio (00:05:07) Couple owning HDB and Condo (00:08:40) PR owning HDB and Condo (00:09:28) Moving from EC to freehold landed (00:10:54) Website Update (00:12:18) Choosing the right landed home category (00:15:50) Are Condos and Resale ECs treated the same? (00:18:49) Advice for first private property (00:24:22) Closing thoughts (00:24:56) Outtakes

Welcome to Part 2 of “Ask Me Anything - Real Estate” on Nuggets On The Go! Melvin Lim from PropertyLimBrothers addresses some of our viewers’ dilemmas like future rental yields with people moving to JB, saving up to buy a house in the future or buying one in the near future. 2024—are we in a buyer’s or seller’s market and why? What decision-making factors to consider entering the real estate market? Find out what Melvin thinks! Don’t forget to leave your questions in the comment section for our future AMA sessions! Look out for more NOTG Banter episodes and a new series coming real soon. Stay tuned for a year filled with exciting content on Nuggets On The Go! (00:00:00) Introduction (00:01:18) Train from Singapore to Kuala Lumpur (00:07:24) For 2024, New Launch Condo or Resale Condo? (00:09:17) Responsibilities that come from owning a home (00:11:29) HDB Owner-Occupier Scheme (00:12:57) Is now a Buyer's or Seller's market? (00:14:54) Outtakes

Welcome to the first NOTG episode of 2024! Melvin Lim from PropertyLimBrothers answers some of your burning questions about real estate in Singapore, from stagnant properties to the nuanced considerations of decoupling and more! Tune in for a wealth of real estate knowledge and strategic insights that will guide your property decisions and elevate your understanding of the market. Have you thought of any questions you have yet to obtain answers to? Leave a comment below, and we’ll address more of your inquiries in NOTG: AMA Part 2! (00:00:00) Introduction (00:01:02) Foresta resale price stagnating (00:06:07) Two 99 years condo or One freehold 999 landed? (00:08:02) What is pairing strategy? (00:10:17) Go into a TOP project who has gone up (00:14:07) 10 steps in MOAT Analysis (00:14:51) TOP in Woodleigh or Older projects in Central Location (00:17:29) Comparing the Two Mortgage Packages (00:19:28) 3-Bedder for $1.2 mil in North East Region (00:20:28) Which has a better growth potential? Freehold Condo or Landed? (00:22:44) Formula for Absorption Ratio (00:25:35) Next episode's teaser (00:25:51) Outro (00:26:17) Outtakes

This last Nuggets On The Go episode of the year is a little bit close to home. Let Melvin Lim from PropertyLimBrothers take you on a trip back in time… his time—between 2004 to 2023; on his real estate journey. Melvin shares his timeline from mastering the fundamentals of property investing, to crafting innovative frameworks like the PLB MOAT Analysis, Trifecta, and Prime Hexagon, with pain points that contributed to his personal growth and the foundation of PropertyLimBrothers. NOTG would like to take this opportunity to thank you, our audience, for your support and viewership thus far! We’ll see you in 2024 for more real estate know-hows! (00:00:00) Intro (00:03:13) Melvin's first property (00:05:12) Melvin got into real estate industry (00:06:47) Post Lehman Brothers Crisis (00:09:14) Bought a Jumbo HDB (00:10:30) Invested in a Private Property (00:12:04) Invested in a Overseas Property (00:13:21) Invested in a Commercial Shop (00:14:21) Start of PLB (00:15:49) Learning from the mistakes (00:19:22) Conclusion (00:20:04) Outtakes

What contributes to the gradual price movement of Singapore’s real estate market? What fuels its demand? To explain, Melvin Lim sheds light on the elements that shape and secure Singapore real estate, through the “economic moat” concept—a concept often attributed to Warren Buffet. Find out about the key foundations that make Singapore’s market the way it is on a macro level, so you can make make micro decisions for your real estate investment journey in 2024. Thank you for watching NOTG. Merry Christmas and a Happy New Year! (00:00:00) Intro (00:00:56) Popularity of Moat (00:02:26) 1. 15 Cooling Measures (00:04:56) 2. Limited Land Supply (00:06:13) 3. Population (00:06:58) 4. Policies (00:08:10) 5. No Oversupply (00:09:10) 6. High Ownership Rate (00:11:54) 7. Strong Governance (00:12:05) 8. Global Financial Status, 9. Strong Expats Pool (00:12:54) 10. Grants (00:17:49) Hidden Stability Engine in Singapore Real Estate Market (00:18:10) Conclusion (00:19:20) Bloopers

NOTG is back for another episode of Cracking The Condo Code on Nuggets On The Go with Melvin Lim from PropertyLimBrother! This time round, we embark on a journey to uncover the role of interest rates in the 5-year cycles, as we head into a new round in 2024. Find out why interest rates no longer behave in the same predictable manner post-2009, and what to anticipate with the new 5-year cycle set to unfold. Melvin Lim shares 10 key factors that shape Singapore’s real estate landscape, the complexities that make our prices not necessarily reliant on interest rates! (00:00:00) Intro (00:00:50) Disparity Gaps Status (00:03:29) Why do Interest Rates play a big role? (00:08:22) Interest Rates behaviour after 2009 (00:09:51) Interest Rates plays with Emotions (00:13:07) Understanding the 5-year cycle (00:23:57) Singapore's Moat (00:25:19) What will happen in 2024? (00:26:30) Outtakes