Kamal Real Estate

Kamal Real Estate Buying, Selling, Renting and Investment

02/09/2026

Have you made your CPF nomination yet?

A CPF nomination helps ensure your CPF savings go directly to the people you choose, such as your spouse or children, if anything happens to you.

Without a nomination, your loved ones may need to go through the Public Trustee process before the money is distributed. Making a nomination can help make things simpler and less stressful for your family.

The process is straightforward through the CPF website, and you will need two witnesses to complete it.

Watch this video to understand why CPF nomination is an important part of planning for your family and future.

31/08/2026

What is a Voluntary Housing Refund, and should Singapore homeowners consider doing it?

It is not compulsory, but for homeowners who have fully paid their mortgage, have enough CPF, or want to strengthen their retirement position, it may be worth considering.

A Voluntary Housing Refund allows you to return CPF used for housing back into your own OA. This can help reduce future accrued interest and improve your CPF position over time.

You can do it as a lump sum or gradually, almost like a monthly savings habit. The money is not paid to anyone else — it goes back into your own CPF account.

This may be especially useful for homeowners who want to reduce accrued interest, build up more CPF for retirement, or improve their future cash proceeds when selling the property.

Watch this video to understand how Voluntary Housing Refund works and whether it makes sense for your situation.

Can a young buyer still buy an older HDB flat?Yes, but don’t look at the selling price alone.One important calculation i...
28/08/2026

Can a young buyer still buy an older HDB flat?

Yes, but don’t look at the selling price alone.

One important calculation is whether the remaining lease can cover the youngest buyer until age 95.

If it does not, you may still be able to purchase the flat, but the amount of CPF OA you can use, your HDB housing-loan limit and your Enhanced CPF Housing Grant may be pro-rated.

This could mean needing more cash to complete the purchase. In one case I handled, a young single buyer found an older flat in Ang Mo Kio. The financing was workable and the property was affordable, but after considering her age and the flat’s remaining lease, she needed almost $6,000 in cash.

Before committing to an older flat, calculate:

• The youngest buyer’s age
• The flat’s remaining lease
• How much CPF you can use
• Your housing-loan and grant eligibility
• The cash required upfront
• Your monthly mortgage commitment

Don’t assume you cannot buy an older HDB flat. Calculate first and understand the numbers before committing. Not sure how the numbers work for you? Call or DM me for a personalised discussion.
📞 9422 8000

26/08/2026

Thought you would make a $70,000 profit from selling your HDB, but ended up with less than $5,000 cash?

This can happen when homeowners look only at the selling price and outstanding loan, but forget to include CPF refund, accrued interest, and any property pledge amount that may need to be returned to CPF.

In one recent case, the expected cash profit looked like around $60,000–$70,000. But after calculating the total CPF refund for both owners and the pledged amount, the actual cash proceeds were only around $3,000–$4,000.

That is why before selling your HDB in Singapore, it is important to calculate your true cash proceeds, not just the difference between your selling price and loan balance.

Watch this video to understand what homeowners should check before selling their HDB.

24/08/2026

Why did this couple sell at $500,000 but still walk away with no cash?

Many homeowners think this way:

Bought at $200K.
Sold at $500K.
So profit is $300K.

But that is not the full calculation.

If you used CPF to pay for your home loan, you need to refund the CPF used back into your OA when you sell.

On top of that, there is also accrued interest.

So if your selling price is $500K, but your total CPF refund plus accrued interest is close to or even higher than that amount, your cash proceeds can become very low — or even zero.

This is why selling price alone does not show your real profit.

Before selling your HDB, you need to check:

✅ CPF used
✅ accrued interest
✅ outstanding loan
✅ CPF refund amount
✅ cash proceeds after sale
✅ whether you are below or above 55

For those above 55, the calculation may be different, especially if your Full Retirement Sum has already been set aside.

Don’t assume you are making profit just because your house can sell higher than your purchase price.

Calculate properly first.

For more info, contact me and let’s look at your numbers together.

21/08/2026

Can a couple earning $3,000 combined still afford an HDB?

Yes, it may still be possible.

But the right option depends on your age, CPF, grants, loan amount, and the type of flat you are looking at.

For young couples, BTO or Sale of Balance Flat may usually be the better starting point because the price is generally more manageable.

But if you are looking at resale, you need to calculate properly.

At a lower combined income, grants can help a lot.

But you still need to check:

✅ How much loan you can take
✅ How much CPF you have
✅ What grants you may qualify for
✅ Whether cash is needed
✅ Whether the flat lease is enough based on your age

Sometimes, starting with a smaller flat like a 2-room Flexi may make more sense than waiting too long.

Because while you wait, prices may move, your options may change, and affordability may become harder.

The important thing is not to guess.

Calculate first, then choose the option that fits your situation.

If you are a young couple planning to buy your first HDB, contact me and let’s work out the numbers properly.

19/08/2026

Young couples in Singapore can still buy an older resale HDB in mature estates like Ang Mo Kio or Bedok, but they need to understand how the remaining lease can affect CPF usage, housing grants, loan amount, and the cash needed upfront.

A key calculation is whether the youngest buyer’s age + the remaining lease of the flat reaches 95 years. If it does not, some CPF and housing financing limits may be prorated, which can mean needing more cash for the purchase.

Older HDB flats can still be an option, especially for buyers who are unable to secure a BTO. The important thing is to calculate affordability properly and understand how the shorter lease may affect your CPF Valuation Limit in the future.

Watch this video to understand what young HDB resale buyers should check before buying an older flat in Singapore.

18/08/2026

🏡 SOLD — 560A JURONG WEST STREET 42

Another home successfully sold!

Thank you to my seller for trusting me with the sale of this property. From preparing the listing and presenting the home to coordinating enquiries and viewings, I’m grateful to have supported the journey through to a successful sale.

Congratulations to both the seller and the new homeowner on this next chapter. 🔑

If you’re considering selling your HDB flat but are unsure about its current value or how to begin, let’s have a conversation.

Call or WhatsApp me at 9422 8000.

Kamal Karim
CEA Reg. No. R056757H
PropNex Realty Pte Ltd
CEA Licence No. L3008022J

NEW LISTING FOR SALE — 169C PUNGGOL FIELDLooking for a practical family home with everyday conveniences close by?This 93...
17/08/2026

NEW LISTING FOR SALE — 169C PUNGGOL FIELD

Looking for a practical family home with everyday conveniences close by?

This 93 sqm, 4-room Model A is a corner unit situated on a low floor, with Coral Edge LRT and Punggol Plaza just a short distance away.

Property details:

✔️ 4-Room Model A
✔️ 93 sqm
✔️ Corner unit
✔️ Low floor

Shopping and transport:

🚆 Coral Edge LRT — 185m
🚆 Punggol MRT — 1.82km

🛍️ Punggol Plaza — 148m
🛍️ Oasis Terraces — 1.01km
🛍️ Rivervale Mall — 1.65km
🛍️ Waterway Point — 1.95km

Primary schools nearby:

🏫 Greendale Primary School — 373m
🏫 Mee Toh School — 643m
🏫 Horizon Primary School — 666m
🏫 Waterway Primary School — 761m
🏫 Edgefield Primary School — 1.01km

Secondary schools nearby:

🏫 Punggol Secondary School — 1.09km
🏫 CHIJ St. Joseph’s Convent — 1.32km
🏫 Edgefield Secondary School — 1.5km
🏫 Compassvale Secondary School — 1.62km

Interested to find out more or arrange a viewing?

Call or WhatsApp me at 9422 8000.

Kamal Karim
CEA Reg. No. R056757H
PropNex Realty Pte Ltd
CEA Licence No. L3008022J

Genuine Listing

🏡 NEW LISTING FOR SALE — 335A YISHUN STREET 31Looking for a practical 3-room home with added privacy?This 67 sqm corner ...
17/08/2026

🏡 NEW LISTING FOR SALE — 335A YISHUN STREET 31

Looking for a practical 3-room home with added privacy?

This 67 sqm corner unit is situated on a mid floor, offering a comfortable layout for homeowners looking to create a space that suits their lifestyle.

Property details:

✔️ 3-Room Model A
✔️ 67 sqm
✔️ Corner unit
✔️ Mid floor

Shopping and transport:

🛍️ Junction Nine — 316m
🛍️ Northpoint City — 1.1km
🚆 Yishun MRT — 1.13km

Primary schools nearby:

🏫 Huamin Primary School — 702m
🏫 Xishan Primary School — 743m
🏫 North View Primary School — 764m
🏫 Chongfu School — 829m
🏫 Yishun Primary School — 1.16km

Secondary and international schools nearby:

🏫 Northland Secondary School — 557m
🏫 Yishun Town Secondary School — 713m
🏫 Northbrooks Secondary School — 1.39km
🏫 Ahmad Ibrahim Secondary School — 1.66km
🏫 XCL American Academy — 1.21km

Interested to find out more or arrange a viewing?

Call or WhatsApp me at 9422 8000.

Kamal Karim
CEA Reg. No. R056757H
PropNex Realty Pte Ltd
CEA Licence No. L3008022J

Genuine Listing

Address

809 French Road
Singapore
200809

Website

Alerts

Be the first to know and let us send you an email when Kamal Real Estate posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Featured

Share

Category