Buy luxury investment properties with super low cash upfront
Find out how you can get more than 10% rental yield with Deferred Payment Schemes
How you can profit from it and why it won't be available much longer

deferred payment scheme

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Lloyd 65
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OUE Twin Peaks
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CDL Gramercy Park
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CDL Gramercy Park
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The Peak @ Cairnhill II
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The Peak @ Cairnhill II
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Buy luxury investment properties with super low cash upfront
Find out how you can get more than 10% rental yield with Deferred Payment Schemes
How you can profit from it and why it won't be available much longer
deferred payment scheme
Image is not available
Lloyd 65
Image is not available
OUE Twin Peaks
Image is not available
CDL Gramercy Park
Image is not available
CDL Gramercy Park
Image is not available
The Peak @ Cairnhill II
Image is not available
The Peak @ Cairnhill II
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A Brief History

From 2009, the Singapore Government began a series of measures to cool an overheating real estate market and most of those measures are still in place today. As a result, property developers are having a hard time selling their new launch projects.

On top of that, property developers are also subject to both Additional Buyers Stamp Duties and Qualitative Certificate (QC) rules that stipulate that they must sell their new launch properties within 5 years or face very stiff penalties.

To avoid these massive penalties they would incur if they fail to sell all units from these new launches, many of them started to offer Deferred Payment Schemes in its current form. 

Paying penalties for ABSD or QC extension, would mean both giving up their profit and still be faced with unsold units, so the property devleopers have chosen instead to fund buyers to buy their units while sweetening the deal even further with big discounts.  

What is Deferred Payment Scheme?

Deferred payment schemes are payment plans that allow a buyer to pay just 20% or 30% upfront for a brand new private condominium and then pay nothing for the next 2 to 3 years, even though they take possession of the unit. Repayment of the remainder begins as normal after 2-3 years. This means you can enjoy the benefits of ownership while paying much lower cash upfront and be free from monthly payments because you do not need to secure a mortgage either!

Do you know the kind of yield you are getting for an investment like this? 

Buy Now Pay Later ( for less! )

Let us explain further with an example: If you are Singaporean and you already own one property with a mortgage, the loan to value ratio for your next mortgage loan is restricted to 60%. That means you need to put up 40% and also pay the Additional Buyer’s Stamp Duties. If you are a Singapore Citizen, the ABSD is 7%.

Previously, without this loan restriction, you could invest in another rental generating real estate by only paying 20% down and ten secure another loan. Now with the cooling measures in place, the total cash outlay is almost 50% of the value of the property that you are interested in! 

Most people are waiting for the cooling measures to be lifted before they buy but have you ever wondered why some projects are selling fast? Is DPS the answer? 

What if you could now buy with only 30% down (20% down payment + 10% for stamp duties), pay No mortgage for 3 years and still be able to receive a rental income?

Deferred payment schemes enable buyers to purchase a second property with only 30% down, significantly lowering your initial cash outlay. 

Call our Official DPS Consultant at

9066 9666

or fill in the form today and get great ideas on how you can own your second or even third property today!

Compare
the
difference
total initial cash outlay for second property
Value of Property: $1,540,000*
*Based on OUE Twin Peaks 1 BR
See how much you can save on the initial cash outlay for this property using the Deferred Payment Scheme
Normal Scheme
Deferred Payment Scheme
BSD + ABSD
$154,000
$154,000
BSD + ABSD
Compare
the
difference
total initial cash outlay for second property
Value of Property: $1,540,000*
*Based on OUE Twin Peaks 1 BR
Using a Deferred Payment Scheme reduced initial cash outlay by
Normal Scheme
Deferred Payment Scheme
BSD + ABSD
CASH
DOWNPAYMENT
CASH
DOWNPAYMENT
$146,300
$585,000
$308,000
$154,000
BSD + ABSD
$268,300
$1,000 FEE*
*$1,000 fee for NVP deductible from purchase price
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Compare
the
difference
total initial cash outlay for second property
Value of Property: $1,540,000*
Image is not available
Image is not available
Normal Scheme
DPS
Difference:
$268,300
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Reduce Cash Upfront
Start Earning Rental Income
right away
ZERO interest rate
risk
Multiply your Cash
Deferred payment schemes allow you to get the property you want for much less up front and it doesn't matter how many properties you own.
Enjoy the benefits of ownership with no payments for up to 36 months depending on the scheme you select.
Because there is no mortgage, there is also NO interest risk.
Start getting returns immediately
Risk Free
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View
available deferred
payment schemes
Developers are frantic in their bid to unload properties with time running out for them.
Their loss is your gain. See what properties are available with Deferred Payment Schemes.
Act fast, these deals won't be around forever.
Slider
View
available deferred
payment schemes
Developers are frantic in their bid to unload properties with time running out for them.
Their loss is your gain. See what properties are available with Deferred Payment Schemes.
Act fast, these deals won't be around forever.
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They're Not Going To Last Forever
Projected supply of new condominium units
2016
20,971
UNITS
UNITS
UNITS
UNITS
12,760
19,014
7,237
2017
2018
2019
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They're Not Going To Last Forever
Projected supply of new condominium units
2016
20,971
UNITS
UNITS
UNITS
UNITS
12,760
19,014
7,237
2017
2018
2019
Slider

Deferred payment schemes are offered by property developers to help sell units in a slow market, in order to avoid paying stiff penalties for ABSD and QC, amid the ongoing government cooling measures. However, many indicators are signalling that the property market in Singapore is likely to pick up soon. In addition, developers have been slow to reprenish their land bank and thus have fewer units to sell in the coming years. In the face of the prospect of a hotter real estate market and dwindling supply, developers will no longer need to offer DPS to help sell their units. This means that if you want to take advantage DPS, you have to act now or watch the opportunity slip by again. 

Is Paying Later Better?

First question we need to ask is: What does it cost me now if I pay later versus if I pay now? In terms of the Deferred Payment Schemes, It cost NOTHING because the property developers are absorbing the cost. Why? Because the cost of not subsidizing you to buy a unit is higher! They are trying to avoid paying the QC/ ABSD penalties.

Secondly, what will it cost me later? Well, in fact, you gain because you would have accumulated cash from collecting the rental for the whole deferred period. And there is no interest cost from any mortgage because you do not need to get a loan during the deferred period. And there is therefore, no interest risk either. 

You need to act NOW! 

Get in touch with us to find out more about how you can take advantage of available deferred payment schemes. Act fast because this opportunity will not be available for much longer. Need proof? The Peak at Cairnhill 2 is completely sold out while OUE Twin Peaks have only limited units left for sale. 

Call our Official DPS Consultant at

9066 9666

or use the form today to find out more and get great ideas on how you can own your second property today!