Advertise on podcast: PROPERTY HARD TRUTHS SG

Description

Ejen Hartanah Bertauliah Neeza Ali ( R009487D) dan Nizam Adli (R009461J) yang lebih dikenali sebagai NEEZANIZAM - SGRealEstateDUO, ejen pasangan suami-isteri yang berpengalaman dalam isu hartanah Singapura sejak 2008 lagi. Podcast ini adalah kompilasi perbincangan ataupun pengkongsian mengenai semua perkara tentang hartanah di Singapura (Raw - No edit). Neeza & Nizam are licensed real estate agent in Singapore since 2008, a husband-and-wife team and have many experiences dealing with clients from all walks of life. In this podcast, all sharing here are used to empower more clients out there to know what's the right thing to do in managing their assets - property. With more than over 20 years experienced combined, you can trust NEEZANIZAM to assist you in all your real estate needs in Singapore. HDB, Exec Condo, Private Condo , Landed or Cluster housing - we've got you covered. Contact us at Nizam Adli +65-96704504 or Neeza Ali +65-97876959 To know more abt NEEZANIZAM, pls visit https://www.neezanizam.com/whyneezanizam Follow and Subscribe with u: IG https://www.instagram.com/neezanizamsg/ YOUTUBE https://www.youtube.com/c/NeezaNizamSG

Unlock PROPERTY HARD TRUTHS SG podcast Email contact info,
Listeners & Audience details

Email contact information

Direct podcast contact details

Listeners

Audience numbers & engagement insights

Audience details

Podcast Insights

Podcast episodes

Check latest episodes from PROPERTY HARD TRUTHS SG podcast

Season 5 Episode 08 - 2 Burst Deals and a Landed : Start To My Real Estate Journey

2025/09/16

Ethan, a realtor since 2022, shared his journey and challenges in the real estate industry. His first deal was an HDB divorce case, which he handled despite initial fears. His second deal involved a sell-and-buy scenario, teaching him about Contra and extension of stay. His third deal was a $2.4 million landed property, highlighting the complexities of high-value private properties. Ethan also faced a challenging rental situation where a tenant abandoned a unit, causing significant damages. He emphasized the importance of mentorship, continuous learning, and adaptability in real estate, stressing the need for resilience, readiness, and a strong mindset.

Season 5 Episode 07 - No Salary, No Safety Net

2025/09/09

In this episode of the "Property Hard Truth" podcast, Nizam Adli interviews Geoffrey Lim, a young real estate agent with two years of experience. Geoffrey shares his motivations for entering the industry, including the desire for flexibility and the challenges of proving himself in the first year. He discusses his first significant deal, a $6,000 rental commission earned over four months, and the financial realities of being a real estate agent, including marketing costs and taxes. Geoffrey emphasizes the importance of discipline, resilience, and continuous learning. He also highlights the need for responsiveness and the value of mentorship in the industry.

Season 5 Episode 06 - SERS vs VERS

2025/08/20

Nizam Adli and Neeza Ali discuss the recent announcement by the Minister of National Development, Mr. Chi Hong Tat, regarding the end of the Selective En bloc Redevelopment Scheme (SERS) for HDB flats and the introduction of the Voluntary Redevelopment Scheme (VERS). They explain that only 4% of HDB flats are typically SERs, and VERS will be voluntary, requiring a 75% majority vote for redevelopment. They highlight the emotional and financial implications for elderly residents, the potential for financial loss, and the importance of understanding the long-term investment implications of buying old HDB flats. They also discuss the impact of VERS on younger buyers and the need for careful financial planning.

Season 5 Episode 05 - Can I Buy Without Selling My HDB?

2025/08/07

NeezaNizam discusses the possibility of upgrading an HDB without selling it, highlighting the conditions and terms involved. He explains that HDB owners must wait five years from the minimum occupational period (MOP) before considering a second property. The total debt servicing ratio (TDSR) and additional buyer stamp duty (ABSD) are crucial factors. For a second property, the ABSD is 20% of the property value, which can be refunded if the HDB is sold within six months. Nizam shares that his clients managed to secure a 75% loan for a new property without affecting their TDSR but faced a hefty ABSD. He advises that this strategy is suitable for those with strong cash flow and emphasizes the importance of timing and financial planning.

Season 5 Episode 04 - HDB to Condo. Can I Really Afford It?

2025/07/23

NeezaNizam discussed the feasibility and affordability of upgrading from an HDB to a condo. They emphasize that many clients are everyday Singaporeans, including teachers, nurses, and business owners, who have the capacity to elevate their wealth. They highlight the importance of proper financial calculations, including the Total Debt Servicing Ratio (TDSR), which limits loan amounts to 55% of income. They note that HDB prices have risen 35% in five years, providing significant equity. The team advises against maximizing loans to manage risk and stresses the importance of a savings plan for future property investments.

Season 5 Episode 03 - Can Money Buy Happiness?

2025/07/14

What really makes us happy when it comes to money? In this episode, we shared Harvard professor and happiness expert Arthur Brooks views where he breaks down the five things we can do with money—and reveals why only four of them actually bring joy. From the power of shared experiences to the surprising science behind giving and saving, we explore how to use money the right way. Plus, why debt—especially credit cards and car loans—can be a happiness killer, and how shifting your mindset can lead to a more fulfilling life. Most importantly how it relates to us in our everyday lives....

Season 5 Episode 02 : HDB Profit Erosion - Is it True?

2025/07/07

“Alright, let's talk about something really important today — HDB profit erosion. This is something many homeowners overlook until it's too late. You see, in the past, it was very common for people to buy HDB flats and after five, ten years, they could make a tidy profit — $100K, $150K, sometimes even more. But today, the game has changed. Why? Because the market has shifted. With rising interest rates, cooling measures, and a more educated pool of buyers, the prices are no longer increasing the way they used to. And the biggest risk? Holding on for too long, thinking the price will keep going up.

Season 5 Episode 01 - HIGH Floor. Not Always Better.

2025/07/03

This episode NeezaNizam discussed the fact that HIGH FLOOR units do not necessary are better units. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

Ep 65: BTO Take Up Rate Muted! Why You Need To Be Concern If You Are Selling Your HDB.

2023/12/17

This episode NeezaNizam discussed the impact of the muted BTO launch in December 2023 and how it will affect HDB resale market come 2024. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

Ep 64: Higher Property Tax 2024 - What You Need To Know Before Renting Out Your Property?!

2023/12/13

This episode NeezaNizam discussed the impact of higher property tax for both owner occupied and non-owner occupied property in Singapore. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

Ep 63: Manner of Holding - Why It Can Be Complicated When It Comes To Selling?

2023/12/08

This episode NeezaNizam discussed the impact on manner of holding between non-spouse. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

Ep 62: Cash Over Valuation. Why Paying COV Might Just Be Worth It ??!!

2023/12/03

This episode NeezaNizam discussed why it might just make sense to pay COV especially if the unit checks all your boxes including renovation. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

Ep 61: Right Price or Pricing It Right!! Why HDB Selllers Must Manage Expectations

2023/11/30

This episode NeezaNizam discussed HDB sellers should price their unit RIGHT and not be too EMOTIONAL on getting the HIGHEST price. No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

Ep 60: Is It A Buyers' Market Today?! Is Property Market in SG Shifting?

2023/11/02

This episode NeezaNizam discussed whether the property market in SG is shifting to a buyers' market or it has also shifted?!! No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg

Ep 59: Are Your CPF Funds Working Hard For You? Why it is world’s top 10 Retirement Scheme

2023/10/22

This episode NeezaNizam discussed why Singapore's CPF scheme is among the top 10 in the world. But the question is are we taking advantage of it?? No sugar coated stuff, just the hard truths. If you have any queries on any real estate matters, DM us today at 96704504 or 97876959. Follow us in all social media platforms @neezanizamsg