Monday, 9 December 2013

Malaysia Property Loan - CIMB Bank Malaysia

CIMB MY Personal Bank Loan (Full Flexi & Term Loan)

Variable Rate Package
Year 1
Year 2
Year 3

4.2% p.a. (BLR* - 2.4%)
4.2% p.a. (BLR* - 2.4%)
4.2% p.a. (BLR* - 2.4%)
4.2% p.a. (BLR* - 2.4%)

Margin of Finance
Malaysian(90%), Singaporean(85%), Foreigner(70%)

Maximum Loan Tenure

35 Years/ Age 70 whichever is earlier
(For Joint Application- the age chosen will be the person with the stronger income base)

Cancellation Fee
3 years Lock in and charges applied upon accepting bank’s letter of offer.

*BLR which is Base Lending Rate is currently at 6.6% p.a. as of 29/10/2013

Check your loan eligibility at No Cost!

Document required to apply for loan

For Employee
-Photocopy of IC (Front and Back)
-Photocopy of Passport(If Singaporean)
-Employment Letter
-Latest 3 months pay slips
-Latest 3 months Bank Statements(showing income credited)
- EPF/CPF Stetement
-Latest Borang BE + Tax Receipt/Notice of Assessment(Singaporean/PR)
-Credit Bureau Report (Singaporean/PR)
-S&P Agreement/Booking Receipts
-Others Supporting Financial Document;(eg:ASB/Fixed Deposit/Unit Trust/Stocks investment/Saving, etc.)

For Self Employed
-Photocopy of IC (Front and Back)
-Photocopy of Passport(If Singaporean)
-Business Registration/Bizfile
-Latest Borang BE + Tax Receipt/Notice of Assessment(Singaporean/PR)
-Latest 6 months company's bank statement/Latest 6 months personal's bank Statement
-Credit Bureau Report (Singaporean/PR)
- EPF/CPF Stetement
-S&P Agreement/Booking Receipts
-Others Supporting Financial Document;(eg:ASB/Fixed Deposit/Unit Trust/Stocks investment/Saving, etc.)

SMS 'CimbMYBank’ & YOUR NAME TO (+65) 91259978 to get in touch with a Banker-Jordan from CIMB Bank Malaysia.

**Check up Overseas New development opportunity is available Now.***

Sunday, 8 December 2013

Australia - Victoria - Melbourne - Condos

Australia Map

Melbourne, located within Victoria, (South-East Part of Australia), has been crowned the world most liveable City by the Economist Intelligence Unit for the third consecutive year. And in the last decade, Melbourne population grows by over half a million people which amounted to around 647,200 people as reported by Australian Bureau of Statistics.  Most of this increase is attributed by over migration.
Currently, to reach Melbourne, we can transverse a flight to Melbourne Airport which is located approximately 25km north-west of the Melbourne's CBD. Melbourne airport, Australia, is well-known for its world class facilities. It combines the domestic and international terminals and catered to more
than 20 million passengers in 2005 alone.

Public transport choices at the airport in Melbourne include the Skybus Shuttle Bus service which runs at regular intervals to the city and major hotels, 24 hours a day, along with public buses and taxis.

To move Around Melbourne, We can choose between various public transport namely the Trains, Trams, Buses or Taxis.

Melbourne Trams Line Map

Melbourne Trams Line Map

By Trams:
If you're visiting Melbourne, Victoria, you will often see plenty of the iconic Melbourne trams moving through the city and suburbs.Melbourne is the only city in Australia where trams still operate, with the Melbourne tram network making up a large portion of the Melbourne public transport system. Most Melbourne tram routes go to or from the city, but there are also services that journey across the inner southern and inner eastern suburbs.

*The City Circle tram is a free tourist tram that operates around the Melbourne CBD.

Melbourne Train Line Map

Melbourne Train Line Map

By Trains
Whenever you're visiting Melbourne, Australia, Melbourne train travel is a great way to see the city.

By Buses
A great way to discover the magical city of Melbourne, Australia, is on the city's safe bus system.
The Melbourne bus network is made up of bus services across the city and suburbs, provided by over 20 private bus companies. Melbourne bus routes range from major routes to short routes, linking with other Melbourne public transport. SmartBus routes, the high frequency bus services connecting many of the city's major centres and train lines, operate daily.

By Taxis
A reliable, convenient and extremely comfortable way to travel around Melbourne, the capital city of Victoria, Australia, is by Melbourne taxi. Melbourne taxis are all bright yellow, making them easy to spot and they are available at all hours.

So why invest in Australia??

1. Australia is currently enjoying one of it's most successful economic periods and the property market has benefited greatly from this. With a steady growth in GDP (approx 2 to 3%pa)

2. Strong Investment Performance - The Australian property market has been one of the world's most consistent Property markets over the past 30 years, providing secure returns in excess of 7%pa over this period. It has shown steady increases of around 3% per annum since the 1970s. Since the 1990s however, prices have risen by around 6% per annum.

3. Traditionally low interest rates and it's lowest unemployment rate for decades, the safe investment environment is expected to continue.

4. Continual population growth of 1.6% annually creates a shortage in residential. 60% being migrants which based on the current population of 22.3M translates to approx. 200,000 new residents looking to rent or purchase a property.

5. The laws protecting the interests of landlords are very clear and ensure that you are always safeguarded against issues of squatters, of delinquent tenants to further enhance your investment through the legal system.

6. Low down payment of ONLY 10% now, balance on Completion for most off the plan development.

7. Stamp Duty Savings - Substantial savings in Stamp duty of up to 80-90% if you buy NOW Off Plan as compared to FULL 100% Stamp Duty payment if you buy at Completion.

8. Tax Benefits - There are also some noteworthy tax benefits to be aware of. There are more deductions available the newer the property is, especially when being brand-new so this maximizes your tax deductions especially your Real Cap Gain Tax.

9. Future Migration to Australia - If you are contemplating migration to Australia at some future date, then acquiring property prior to your arrival is indeed beneficial. As you acquire your future residence at “today’s” price rather than the increased value when you actually relocate, but it will provide you with a strong financial platform upon your arrival to build a more secure life in your new country. It may also provide you with distinct tax planning advantages to reduce the impact of Australian taxation when you become an Australian resident.

10. Future Expatriate Return to Australia - As Australian expatriate it is very likely that one day will return to Australia to live and work hence you can sell or rent your property to them.

11. Accommodation during child’s study in Australia – If your Child is likely to study in Australia it is most beneficial for you to buy a property than to rent in the future. Even if the location is not near to your property you have a rental income to offset any renting in the future.

So what’s off plan development is currently in Australia Melbourne?

The Altus Melbourne

The Altus @ Digital harbor, Docklands

The Altus is a Melbourne new launch located within Docklands precinct and is set to be one of the tallest towers at Docklands, The Altus will rise 115 metres to 37 floors, with levels 2 -15 to be 4.5 stars Hotel managed by Pan Pacific Group under Park Royal brand and with levels 18-36 to be home to 299 apartments. Designed by multi-award winning Moull Murray Architects, The Altus embodies quality, innovative and intelligent design. Its strategic location on an island site delivers 360 degree floor to ceiling views of Melbourne’s city centre, first marinas and the Victoria Harbour. A sheer glass façade wraps around the 36 storeys, offering precision, timelessness and luxury, that all point to the finest internal world class style and design, finished off with a stunning sculptural exterior wall, by world-renowned artists that greets you proudly as you enter.

S.T.K St. Kilda @ St. Kilda Road

S.T.K– St. Kilda, Melbourne – St Kilda’s tallest building, elevated on the crescent of St Kilda Road, offers 26 levels of cool sophistication with two structures within one sleek façade. The Tower is a soaring statement of success, reaching to the sky with contemporary 1 and 2 bedroom apartments over 21 levels. Residences revel in a heady cocktail of indulgent views and bespoke interior design. A 5 level Podium adds a grand presence beneath. 

**Disclaimer: Information is provided by UrPropertySg and it does not guarantee the accuracy, timeliness or reliability of the information and pictures within the site. UrpropertySg shall not be responsible for any liability arising from reliance of any information or use of this site for dealings with any third party.

Friday, 6 December 2013

Malaysia Iskandar 061213 - Medini Exemption of Real Property Gain Tax

Medini Iskandar

From January 1, 2014, property sold within the initial 3 years of acquisition will go through higher Capital gains tax of 30%. This is an increase from the 15% for property disposed of within the first two years under Budget 2013 and the 10% for residential property disposed of between the 3rd to 5th year.

Real Property Gain Tax Malaysia

For Foreigner, they will faced a 30% Real Property Gain Tax of 30% if property dispose off within 1st-5th year and 5% from 6th years onward. In addition, foreigners can only buy properties valued at RM1 million and above.

Currently, all Medini projects have been exempted, prior to all these announcements, from property tax for first buyers, and are also exempted from minimum threshold from foreign investments.

"These exemption will be extended and most likely push investor to Iskandar Medini" said Zhuoyan Iskandar's(a joint venture company backed by Chinese property developer Zhuoda Group and Malaysia's Iskandar Investment Berhad) sales & marketing director, Liang Thow Ming.

With this exemption, Medini price will increase and likewise, Puteri Harbour will appreciated more due to it's unbeatable "Sea/Harbour View" and "Freehold status" as compare to Medini.

Read more about Puteri Harbour Development : Puteri Cove Residences  

Malaysia Public Holiday

Johor weekend holidays will changed to Friday and Saturday. However, banks will get the exemption. Bank will continue to operate on Saturday & Sunday.

Thursday, 5 December 2013

Australia Property Talk - Where Are Melbourne Property Hotspots to invest in Now

Australia Investment Talk in Singapore

Australia Property Talk is here once again and will be held in Huttons International Office.

With the current cooling measures in place in Singapore, are you keen to invest in properties in Oversea? If so, where ?

Look Over to the City that is voted to be the best city to live in.This talk enables Singaporeans to gain better insight on the latest market trends in Australia, preview the latest project and developments from top developers and engage in close-up communication with the speaker.

Why Visit Our Talk
-Preview Upcoming Properties in Australia
-Gain Expert Insights via the Talk
-Engage in face to face discussions with real estate agent.
-Learn About Fee involved in buying Australia Properties.

Why Australia Properties
-Most Development offer - Only10% downpayment and Balance on completion scheme
-Positive Cashflow Returns due to the Interest only Loan scheme
-Save up to 90% on Stamp duty
-Lowest interest rates ever

Session 1 : 11/12 (Wed) , 7.30pm
Session 2 : 14/12 (Sat) , 2.30pm
Session 3 : 15/12 (Sun) , 2.30pm

Location: Incity Lofts, 700 Beach Road S(199598)

Cost : Free

SMS 'AusTalk’ & Your NAME & Date To (+65) 91259978 (Alvin Tay) for reservation of a Sit. Limited Sit Available.

Check out the latest development in Australia Melbourne : The Altus

Sunday, 1 December 2013

Iskandar Malaysia - Nusajaya - Medini

Medini is a greenfield advancement stretching over 2,230 acres developed to end up being the Central Business District of Iskandar Malaysia. Medini, has attracted numerous investor due to the close proximity to Singapore and the Special tax incentive given to foreign companies operating here.

Medini is the heart of Nusajaya surrounded by developed signature advancements such as EduCity, a worldwide best-in-class education and learning hub; Pinewood Iskandar Malaysia Studios, with over 100,000 sq ft of film stages; Kota Iskandar, the brand-new Johor State Administrative Capital; Puteri Harbour, a premium beachfront development throughout the strait from Singapore; Horizon Hills, home to one of the very best golf clubs in the nation - and most significantly, Medini is the the home of the newly opened up LEGOLAND Malaysia amusement park, the very first LEGOLAND in Asia.

Medini is master planned group with four distinct advancement collections:.
- Medini North: Zone A.
- Medini Business: Zone B.
- Medini Central: Zones C, D and E.
- Medini South: Zone F.

Each Zone served different purposes:.
- Medini Zone A: Northern Lifestyles and Leisure
- Medini Zone B: Iskandar Financial District
- Medini Zone C: Logistics Villages
- Medini Zone D: Creative Park
- Medini Zone E: Heritage District
- Medini Zone F: Southern Lifestyles and Leisure

Medini Zone A 

Medini Zone B, C, D and E

This global integrated mixed-use township advancement started in 2007 with a preliminary capital expense of RM4.1 billion (US$ 1.4 billion). To date, RM1.84 billion has actually been invested to finish the infrastructural works.

The 2,230 acre website translates to 96 million square feet of land and consists of an overall Gross Floor area (GFA) of virtually 188 million square feet with an expected Gross Development Value (GDV) of more than RM68 billion (US$ 22 billion) over the 20 year advancement strategy of Medini.

Thursday, 21 November 2013

The Altus @ Austalia Melbourne - Docklands

The Altus @ Austalia Melbourne - Docklands

The Altus @ Austalia Melbourne - Docklands

The Altus – Refined. Noble. Luxurious  – Melbourne, Docklands

The Altus, has set a brand-new specification of Melbourne living. This skyrocketing tower at Docklands' finest address comprises 299 distinguished apartments, lap pool, company lounge, cafe, restaurant and bar, a magnificent rooftop skies deck and a world-class accommodation. Architecturally created with classy European influences, tidy lines and unparalleled breathtaking sights, this landmark structure gives an innovative backdrop to your aspirational brand-new lifestyle.

New Launch Development in Australia Melbourne Docklands :

The Altus Facts

Location :
238 Harbour Esplanade, Digital Harbour, Docklands, Melbourne, Victoria
Developer :
Digital Harbour (Holdings) Pty Ltd
Tenure :
Site area :
32,292 sqft / 3,000 sqm
T.O.P. :
Est. 2016, 2nd Quarter
Number of floors
37 Storey Building.
Number of units :
Lv 1 – The Altus Restaurant & Lounge
Lv 3- 15 Hotel Suites (Park Royal) -281 Units
Lv 18 -36 Residential Apartment : 299 Units
218 Car Park Spaces
Tiered Security System with Smart Card Access (TBC)
Buyer's eligibility :
Foreigners eligible

Have you ever been to Australia Melbourne?

Australia Melbourne

Before looking at the new launch Development, it is always good to know the most important factor of property purchasing and that is its location : Australia Victoria Melbourne.

Or you can choose come down to our Australia Public talk which will get you expose to Australia Melbourne and it provides lots of takeaway insight on investing in Australia Melbourne.

SMS 'AusTalk’ & Your NAME & Date To (+65) 91259978 (Alvin Tay) for reservation of a Sit. Limited Sit Available.

The Altus 360 degree stunning views

North-East City View

The Altus NorthEast City View

East Stadium View
The Altus East Stadium View

SouthEast Harbour View

The Altus SouthEast Harbour View

South Full Harbour View
The Altus South Full Harbour View

SouthWest Star Ferris Wheel View

The Altus SouthWest Star Ferris Wheel View

West Sunset View
The Altus West Sunset View

NorthWest City View
The Altus NorthWest City View

North City View

The Altus North City View

Own this Signature Development with a low Quantum. Don’t miss out this opportunity.

SMS 'thealtus' & YOUR NAME TO (+65) 91259978 (Alvin Tay) for MORE INFO and & TO BECOME OUR VVIP Preview CUSTOMER

Hotline: (+65) 91259978

The Altus @ Austalia Melbourne - Docklands

The top quality Park Royal Hotel is the perfect remedy to company and convenience away from residence. From the valet parking to the European style, luxury and quality are vital. Meet and greet associates at the resort's outstanding seminar centers or wine and dine at the in-house bistro, bar and cafe. You're spoilt for selection with contemporary menus and costs beverages.

You also have unrivaled accessibility to world-class featuring places, essential company centres and distinct way of life destinations along seven kilometres of waterfront.

Your Apartments will be situated right on top of them.
The Altus Park Royal Hotel

Pay a Low Down-payment of 10% and only upon TOP/Completion then pay balance 90%. Due to the Bank loan structure in Australia (Interest Paying Loan), you do not need to service any Principal for the loan. And with a rental yield of 6%, you could be getting positive cash flow every months.  

Investor 92 Australia Properties Singapore

Invest with as low as S$60,000 (10% down-payment).

SMS 'thealtus' & YOUR NAME TO (+65) 91259978 (Alvin Tay) to learn more about positive cash flow.

Hotline: (+65) 91259978

Location and Accessibility

The Altus Location

Unit Mix:

Residential Apartment Total : 299 Unit
18th – 34th Level:
Type T15 – 1 bedroom 50.04sqm
Type T14 – 1 Bedroom 45.64sqm
Type T13 – 2 Bedroom + Study Nook 80.06sqm
Type T12 – 2Bedroom + Study Nook 78.89sqm
Type T11 – 2 Bedroom 80.56sqm
Type T10 – 2 Bedroom 76.58sqm
Type T09 – 2 Bedroom + Study Nook 82.25sqm
Type T08 – 2 Bedroom + Study Nook 83.03sqm
Type T07 – 2 Bedroom 68.95sqm
Type T06A – 2 Bedroom 75.38sqm
Type T06B(mirrored) – 2 bedroom 75.38sqm
Type T05 – 2 bedroom + Study Nook 65.06sqm/700.30sqft
Type T04 – 2 bedroom 66.59sqm/716.77sqft
Type T03 – 1 bedroom 45.66sqm
Type T02 – 1 Bedroom 45.47sqm/489.43sqft
Type T01 – 1 Bedroom 50.97sqm

35th – 36th level
Type PH05 – 3 bed room + Study 304.36sqm/3,270.65 sqft
Type PH04 – 3 bedroom + Study 207.06sqm
Type PH03 – 3 Bedroom + Study Nook 172.36sqm
Type PH02 – 3 Bedroom 168.35 sqm
Type PH01 – 3 Bedroom + Study 232.74sqm

The Altus Lv 1 Facilities

The Altus Typical Apartment Layout

How to Own a Dream Home in 2014 with

 just AUD$40,000

Simply enter your email below to get a Instant free E-Brochure and Floor Plan 

SMS or call ALVIN TAY (+65)91259978 now to enjoy your perks & secure your

Appointed Marketing Agency

I look forward to helping you find your dream unit. Act NOW and contact me!

Contact : Alvin Tay
Mobile : (+65) 91259978 (call or SMS)
Email :

Register for VVIP Preview or Viewing Now, or contact me for the floor plans

SMS 'thealtus' & YOUR NAME TO (+65) 91259978 (Alvin Tay) for MORE INFO & TO BECOME OUR VVIP Preview CUSTOMER.

Hotline: (+65) 91259978

 Disclaimer: The information provided by is subject to changes as may be required by the authority or developer and it cannot be used to form art of the offer and/or contract. All information provided have been treated with care and developer and/or marketing agent should not be liable for any inaccuracy.

Wednesday, 20 November 2013

The Currency @ Manila - Ortigas City

 The Currency – The World Class. The CBD.  – Manila, Ortigas City

The Currency @ Manila – Ortigas City, a 32 storey mixed use condominium development that offers world class residential, corporate and retail amenities with a lot area of 2,015 sqm.

It features two towers of mixed-use development located at the corner of F. Ortigas Jr. Ave. (formerly Emerald Ave.), Julia Vargas Ave and Garnet Road, the crossroads of major business establishments and commercial activities. The 32-storey Tower 1 comprises 341 residential units of studio and 1 to 2 bedrooms, 18 commercial units and 59 offices.

Located at the heart of Ortigas Central Business District, The Currency @ Ortigas is easily accessible to most important cities in the Metro Manila area. It enjoys a strategic location to multiple shopping malls such as The Podium, Shangri-la Plaza, SM Megamall, St. Francis Square, Metrowalk, served by two nearby MRT Stations – Ortigas & Shaw Boulevard and near to numerous schools / universities. Makati Central Business District is just 15 minutes away and the Ninoy Aquino International Airport 30 minutes away.

The Currency at Ortigas is the ideal abode for Urban Worker working in the metro. From here, travelling from home to work is a hassle free and time saving experience for these active young executives. The development also provides a fine selection of lifestyle facilities that includes swimming pool , fitness gym, landscaped gardens, Al Fresco dining and sun-deck on the10th floor. Stay in shape with the equipment in the modern gym, relaxed in the cool water of the swimming pool or simply stay connected while lounging by the pool deck.

The Currency @ Ortigas – a haven that provides a welcome antidote to a hard day’s work as well as an excellent choice for investment or home stay.

Phase One Fully Sold

Location :
Julia Vargas Avenue.Corner Emerald Avenue, Ortigas Center
Developer :
Crown Asia Properties (Subsidiary of Vista Residences)
Tenure :
Perpectual Ownership - Free Hold
Site area :
21,689.46 sqft / 2,015 sqm
T.O.P. :
Dec 2015
Number of floors
 Ground Floor – 6.8m
2th-3th Floor  - 3.8m
4th-9th Floor – 4.9m
10th Floor – 6.4m
11th – 32th Floor 3.2m
Total Heights – 116m
Number of units :
Residential (Fully Furnished)
Studio – 136 units
1 bedroom – 168 units
2 bedroom – 22 units
Commericial – 18 units
Office – 59 units
Parking lots – 126units
Buyer's eligibility :
Foreigners eligible

****Residential ****

Source : Jones Lang LaSalle I Real Estate Intelligence Service, 2Q13

1) Vacancy eases to 4.2% due to healthy leasing demand
2) Sustained expansion of MNCs buoys rental growth.
3) Local Investor demand supports healthy investment market activity.
Typical Price of studio (25sqm) - PHP 3,906,669
Estimated rental : PhP8,196 * 25sqm = PhP204,900
Rental Yield = PhP204,900 / PhP 3,906,669 = 5.2% / Annum  

****Office ****

Source : Jones Lang LaSalle I Real Estate Intelligence Service, 2Q13

1) Net absorption improves due to healthy pre-commitments in new buildings
2) Stable demand from various industries supports rental growth
3) Strong investment interest drives higher capital value growth.
Typical Price of Office  (22sqm) - PHP 4,255,432
Estimated rental : PhP9,657 * 22sqm = PhP212,454
Rental Yield = PhP212,454 / PhP 4,255,432 = 4.9% / Annum

Own this Attractive Development at a low price. Don’t miss out this opportunity.

SMS 'currency' & YOUR NAME TO (+65) 91259978 (Alvin Tay) for MORE INFO.

Hotline: (+65) 91259978

1) Office (22sqm) - PHP 4,255,432 – S$121,160
2) Studio (25sqm) - PHP 3,906,669 – S$114,902
3) 1 Bedroom (29sqm) – PhP4,971,847 – S$146,231

*********3 Payment Scheme********

Cash term (Additional 10% Discount)
-Upon Booking, S$3k cheque
- ≤ 3 Days – 15% (cheque returned)
- ≤ 30 Days – Contract To Sell (CTS) Signing
- ≤ 3 Days – 80%
- ≤Turnover/TOP – 5%

Deferred Payment Scheme
-Upon Booking, S$3k cheque
- ≤ 3 Days – 15% (cheque returned)
- ≤ 30 Days – Contract To Sell (CTS) Signing
- ≤ 3 Days – 15%
- ≤Turnover/TOP – 70%

Principle Repayment Scheme
-Upon Booking, S$3k cheque
- ≤ 3 Days – 15% (cheque returned)
- ≤ 30 Days – Contract To Sell (CTS) Signing
- ≤ 3 Days – 15%
- ≤ Every 30 days – 20%/24month (0%interests)
- ≤Turnover/TOP – 50%

Invest with as low as S$35,000 (30% down-payment).

SMS 'currency' & YOUR NAME TO (+65) 91259978 (Alvin Tay) for MORE INFO.

Hotline: (+65) 91259978

Location and Accessibility

Unit Mix:

Attractive Package beside the Low Price that you are enjoying!!!!

1. Fully Furnished
2. Misc Charges of 3-5% payable upon Turnover/TOP absorbed
3. VAT already included in price.
SMS or call ALVIN TAY (+65)91259978 now to enjoy your perks & secure your

Appointed Marketing Agency

I look forward to helping you find your dream unit. Act NOW and contact me!

Contact : Alvin Tay
Mobile : (+65) 91259978 (call or SMS)
Email :

Register for Viewing Now, or contact me for the floor plans

SMS 'currency' & YOUR NAME TO (+65) 91259978 (Alvin Tay) for MORE INFO.

Hotline: (+65) 91259978

Disclaimer: The information provided by is subject to changes as may be required by the authority or developer and it cannot be used to form art of the offer and/or contract. All information provided have been treated with care and developer and/or marketing agent should not be liable for any inaccuracy.