Client Profile

Names:Jasmine & Wei  

Property Goal: Purchase a condominium for own stay  and wealth accumulation

Initial Interest: 99-year leasehold condo in a city-fringe project

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The Situation  

Jasmine and Wei were excited to purchase their first private property. They found a luxurious unit in a well-known city-fringe development that offered modern interiors, full facilities, and convenient access to the city.  

It seemed like their ideal home—until we uncovered a crucial detail:  

**The unit had only 58 years left on its 99-year lease.**

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Key Challenges

1. Resale Value Risk

Shorter lease properties tend to depreciate faster, limiting long-term capital appreciation and resale potential.

2. Limited Financing Options

Many banks reduce the loan quantum and tenure for properties with less than 60 years on the lease, which could impact affordability.

3. Uncertainty for Long-Term Stay

As the lease approaches expiry, owners may face additional costs to extend the lease—if extension is even permitted.

Our Strategic Approach

S.M.A.R.T Market Analysis

1. Financial Forecasting  

We created a long-term depreciation projection, helping Jasmine and Wei understand how the lease would impact future value.

2. Banking Consultation

Through our lending partners, we obtained realistic financing terms based on the unit’s leasehold status, so there were no surprises.

3. Alternative Property Curation

We presented a tailored list of freehold and newer leasehold units in nearby city-fringe districts, offering peace of mind without compromising on location or lifestyle.

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The Outcome

After careful consideration, Jasmine and Wei shifted their focus to a freehold property in District 11.  

It met their lifestyle needs and provided the long-term financial security they were looking for—offering both luxury and value.

Client Testimonial

“We were so close to buying that first unit, but the advice we received gave us clarity. Now, we’ve found a home we love—and we’re confident in the decision we made.”  

– Jasmine & Wei

Key Takeaway

A beautiful property doesn’t always mean it’s the right one—especially when lease decay and financing limitations come into play.  

With expert guidance, Jasmine and Wei avoided a costly mistake—and secured a home with lasting value.

Need help finding your dream home with long-term potential?  

Let’s talk. We'll guide you every step of the way.