Ivan Chua - Msia Property Transfer Consultant

20/10/2023

16/10/2023

27/09/2023

🇲🇾🇸🇬HDB's【15 Months Wait-Out Policy】has been out! Should I Dispose my property?
Do you agree: “To dispose, simply transferring to my parent's name is the best option for 99% of PR/SC" 🧐
Spend 1 minute reading to know why! 👇👇
【1】Who should I transfer my house to? Who should be the loan borrower?
✅Transfer to parents to get 100% stamp duty waiver! (siblings dont have)
✅BANK LAW: House owner must be in the borrower list
So u can arrange as:
U + dad as loan borrowers
✅If you want to transfer the name of the house to your parents, it is recommended to transfer it to
Just one person, either father/ mother.
So u don’t have to pay double transfer fee when you inherit the property in future.
【2】If the property is gonna be under my parent's name, how can I get back the house in future?
✅Write a will for future inheritance!
✅Having a will helps u to save time and lowers the inheritance fee! 🎉
【3】Aside from residential properties, do shoplots have to be disposed too?
✅There are no restrictions to shoplot, so you can keep shoplifts under your name no prob! 👍
【4】Can I cash out more money by refinancing?
✅No problem! When you re-apply for a loan, you are able to refinance and cash out the money for other use! e.g. to settle HDB down payment/ decoration fee of the new HDB in SG/ etc.. 💰
【5】If you are caught FALSE DECLARE, what are the consequences?
🔴Written on HDB Official Website, you will be fined up to SGD5k, or imprisoned up to 6 months, or both!
[6] What are the impacts if I buy HDB in future?
🔴A history of FALSE DECLARE will be recorded:
- No further purchase of HDB flats/obtaining transfer of HDB flats
- Prohibited from being classified as essential occupier
- The application on the waiting list will be cancelled

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【MYSG Team】currently has more than 5,000 beneficiary customers, and we ensure to keep them updated with the latest real estate information while also guiding them on completing all procedures with the least expenditure and in the shortest time possible.
Why choose 【MYSG Team】?
✅ You can get a 1-to-1 FREE consultation for your case
✅ You can get a FREE quotation for your case
✅ You can get a 100% Stamp Duty Waiver (if your case fulfils government’s requirement)
✅We take charge of multiple departments: Law firm, Land office, Bank, Developer, Court, Tax office, State government
✅One-stop service from A-to-Z to help you get the transfer done
✅ You will just have to provide us necessary documents, and we will handle the rest til completion
✅ You can get consistent updates from lawyers and bankers of your case til completion
✅100% proven-work practical experience
✅ You will be advised how to avoid unwanted charges/ taxes throughout the process
Think no further! Wanna transfer your oversea property to buy HDB? Click the link below to get FREE CONSULT + QUOTATION from【MYSG Team】now! 😊
https://forms.gle/EG6eEH2v1KD2GwiU9
https://forms.gle/EG6eEH2v1KD2GwiU9
https://forms.gle/EG6eEH2v1KD2GwiU9

27/09/2023

Don't renounce of your Malaysia IC just yet! Save up to 【RM45k】 during property name transfer!
Law for buying HDB: You gonna dispose your Msia property 15 months before you buy a HDB. So best way would be simply doing a name transfer to your mom/dad.
🇲🇾As a Malaysian, it is the most cost-effective to go through the transfer with 【Malaysia IC】! You don’t have to pay any of the following fees! 👍🏻
1】Foreigner ownership tax RM 0
2】Levy fee RM 0
3】Developer MOT RM 0
4】RPGT RM 0
BUT!!! 🇸🇬If you have changed to a Singaporean citizen with your 【Singapore IC】 to do the transfer, your fees will be much more than others! Check out the extras below! 👎🏻
1】Foreigner ownership tax RM 5K-10K
2】Levy fee RM 20K
3】Developer MOT RM 10K-15K
4】RPGT 10-30% of house price
So for those of you who haven’t applied from ICA for Singapore citizenship yet, it’s safest to change your name as soon as possible and you won’t have to pay extra fees! 🥳🎉
For those who have applied for Singapore citizenship but have not yet been approved by the ICA, it is best to start changing their name as early as possible, otherwise it will be too late! If ICA approves your citizenship in the midst of the transfer process, and you have converted to a Singaporean, the transfer process will be forced to re-run again and the fees will be charged double! 🤔
For those who are already a Singapore citizen, everything will be too late. You will have to pay the above-mentioned additional fees - because you are already a foreigner! 😰
__________________________________________________
【MYSG Team】currently has more than 5,000 beneficiary customers, and we ensure to keep them updated with the latest real estate information while also guiding them on completing all procedures with the least expenditure and in the shortest time possible.
Why choose 【MYSG Team】?
✅ You can get a 1-to-1 FREE consultation for your case
✅ You can get a FREE quotation for your case
✅ You can get a 100% Stamp Duty Waiver (if your case fulfils government’s requirement)
✅We take charge of multiple departments: Law firm, Land office, Bank, Developer, Court, Tax office, State government
✅One-stop service from A-to-Z to help you get the transfer done
✅ You will just have to provide us necessary documents, and we will handle the rest til completion
✅ You can get consistent updates from lawyers and bankers of your case til completion
✅100% proven-work practical experience
✅ You will be advised how to avoid unwanted charges/ taxes throughout the process
Think no further! Wanna transfer your oversea property to buy HDB? Click the link below to get FREE CONSULT + QUOTATION from【MYSG Team】now! 😊
https://forms.gle/EG6eEH2v1KD2GwiU9
https://forms.gle/EG6eEH2v1KD2GwiU9
https://forms.gle/EG6eEH2v1KD2GwiU9

29/11/2021

PR Holder more than 3 years, time to get Resale Flat❗🎉 However HDB law stated that u cant own any oversea residential property! In this case, transfer ur Msia house to ur family member will do!😊
Should i proceed to buy HDB or transfer Msia Property 1st? it actually determined on how much cash in hand u have.
SPR can only get bank loan with margin of 75%, CPF OA can cover for 20%, u will need to pay balance 5% as down payment in cash. if CPF OA is not sufficient then u will need to top up by cash. 👍
For those who doesn't cash rich in hand, u may proceed of transfer Msia House 1st, in the meanwhile apply extra cash loan with Msia Bank, then TT the $ to SG pay ur resale flat's fee.
For those who well prepared with sufficient $ in hand, just proceed to buy ur resale flat, make sure u transfer ur Msia House within 6 months after resale flat transaction is completed.
✅How does it work❓
u may just transfer the house to ur parent, u continue to serve the house loan, pay a transfer fee will do. 👍
✅Ur house 🏠 still with bank loan, to transfer the ownership only, and u continue serve the installment, can it be done?
By Theory, YES, it can be done, but in Practical, it CAN'T ❌ working out in this way.😱 Why❓
🏠Old House Owner: U
🏦Old Loan Borrower: U
🏠New House Owner: Mother
🏦New Loan Borrower: U + Mother
due to bank's guideline, house owner must INCLUDED into the loan as loan borrower, hence u need to apply a NEW house loan, to add in ur mother's name.
⚠️Remark: is ok mother old age and no income, as long as ur income is sufficient to support.
✅transfer later after convert into Singaporean, any different❓
we strongly recommend u come n proceed before u convert due to u will need to pay Foreigner Real Property Gain Tax (RPGT), for Malaysian is 100% RPGT tax free until 2021/12/31🎉
⚠️ATTN: Budget 2022 only announce that those house more than 6 years will be 100% RPGT tax free 😊
✅can i add in transfer fee into the loan❓
Yes, our arrangement is lawyer will pay for u on behalf in advance and claim back from bank later, but u need to pay a deposit 💰 to lawyer, in case u cancel the deal half way. (huge amount involved don't play play...) 😂
✅house fully paid, can transfer name + refinance❓
Yes, let say house price at RM300k, new loan amount maximum u can get 90% of RM300k, that is RM270k (SGD90k), and u pay for installment only. use the money to renovate ur HDB.
✅mother stay in KL, i stay in SG, house at malacca, can be done❓
Yes, we can handle for whole M'sia transaction, no worry, once the document has been done, courier to KL & SG for u all to sign.
✅can i purposely write down my house value? so that my fee will be cheaper😊
Yes u can, but LDHN will still check the paperwork, they will request u to top up again, make no diff bro.. 😂
✅how long time does it take for transfer❓
Timeliness of procedure as below:-
1. New application of loan, take about 2 weeks
2. loan approved and lawyer get ready the doc, take about 1 week
3. courier to SG n u courier back, take about 1-2 week
4. after doc return to me, from the date I receive, take 3-4 months (90 days) to complete
So total take about 4-5 months to complete
✅how about my house transfer to parent and they pass away later on?
what u need to do is, parent write a Will, list down u r the beneficiary for this house.
📍for those who going to buy house in SG & would like to transfer ur Msia House, click the link below, we will explain & calc for u how much is the transfer fee, what kind of doc required n so on..😊
【Brought to u by MYSG Property Transfer Team】
https://forms.gle/8N5qNKtFaUMimERq8
https://forms.gle/8N5qNKtFaUMimERq8
https://forms.gle/8N5qNKtFaUMimERq8

26/06/2021

PR holder more than 3 years, qualified to buy 1 Resale HDB❗🎉 but i checking HDB website, ALAMAK❗ HDB owner & spouse, cant hold any Msia residential property🏠!😩 ok lor, then i can transfer my house to my family member, u cant simply ask me to sell my house de ma.. this is the house i bought for my parents they wan to stay inside~👵🏻👴🏻

Then i should buy HDB 1st or transfer Msia house 1st?🤔

Well, it depend on ur saving.. as PR can to buy HDB, can only get 75% bank loan, 20% can use ur CPF OA account to pay, 5% must be cash. if ur CPF OA account not enuf to pay 20%, then u need to top up by cash.. and also, renovation cost for ur Resale HDB..

For those who cash is not sufficient, transfer Msia house 1st and re-finance ur house with bank, which mean get a cash loan, then only buy HDB.

those pocket got many money almost wan to flow out 1, no prob la~ can buy HDB 1st n transfer the house later. no big different~

✅How does it work❓
u may just transfer the house to ur parent, u continue to serve the house loan, pay a transfer fee will do. 👍

【MYSG】Consultancy, a property transfer team, lead by Senior Financial Consultant, Ivan Chua, who specialist in Property Transfer & Bank Loan Transfer with 12 years of experiences, all of the Bank & Lawyer paper work will be done by our team!

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【MYSG】Consultancy linked with 17 banks 🏦 & 13 states land office in M'sia. Provide advise to client how to do it and update client the status until transaction completed. 👍

📌How can we do? Take a look..
🔺Ur house 🏠 still with bank loan, to transfer the ownership only, and u continue serve the installment, can it be done?

By Theory, YES, it can be done, but in Practical, it CAN'T ❌ working out in this way.😱 Why❓

🏠Old House Owner: U
🏦Old Loan Borrower: U

🏠New House Owner: Mother
🏦New Loan Borrower: U + Mother

due to bank's guideline, house owner must INCLUDED into the loan as loan borrower, hence u need to apply a NEW house loan, to add in ur mother's name.

⚠️Remark: is ok mother old age and no income, as long as ur income is sufficient to support. (oh i see, ok got it)

🔺can i add in transfer fee into the loan❓
Yes, our arrangement is lawyer will pay for u on behalf in advance and claim back from bank later, but u need to pay a deposit 💰 to lawyer, in case u cancel the deal half way. (huge amount involved don't play play...) 😂

🔺house fully paid, can transfer name + refinance❓
Yes, let say house price at RM300k, new loan amount maximum u can get 90% of RM300k, that is RM270k (SGD90k), and u pay for installment only. use the money to renovate ur HDB.

🔺mother stay at KL, i stay in SG, house at malacca, can be done❓
Yes, me & my team can handle for whole M'sia transaction, no worry, once the document has been done, courier to KL & SG for u all to sign.

🔺can i purposely mark down my house price to save the cost of transfer❓
M'sia income tax office will still check the paperwork, 99% u can't escape from their eyes.

🔺how long time does it take for transfer❓
Timeliness of procedure as below:-
1. New application of loan, take about 2 weeks
2. loan approved and lawyer get ready the doc, take about 1 week
3. courier to SG n u courier back, take about 1-2 week
4. after doc return to me, from the date I receive, take 3-4 months (90 days) to complete
So total take about 4-5 months to complete

🔺how about my house transfer to parent and they pass away later on?
what u need to do is, parent write a Will, list down u r the beneficiary for this house.

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🤩Wow, amazing service, New Bank Loan, Housing Insurance, Lawyer's legal documentation, Will Writing, courier service, all in 1 stop service.. u dont even need to come back to M'sia to do it.

📍We done more than 200 cases for SPR / SC transfer their M'sia Property, 99% successful rate, our clients take our advise and saved the RPGT tax up to RM30k. Dont even pay any single cash (all the fee can added into loan), and buy their SG HDB happily. 😊

📍To know how much is ur transfer fee & how can it be work? let us know some of ur info, our team will do the calculation & come back to u!

click the link below:-
https://forms.gle/8N5qNKtFaUMimERq8
https://forms.gle/8N5qNKtFaUMimERq8
https://forms.gle/8N5qNKtFaUMimERq8

25/06/2021

9 Questionable HDB Rules that You Probably Didnt Know About!

28/04/2021

M'sian, holding PR ID, would like to purchase HDB🏠in SG❓just transfer your M'sia property to your family member❗

believed that this is a common enquiry, u & ur spouse hold PR more than 3 years and planning to get 1 Resale HDB or just bought it, noticed by HDB office that u need to dispose (sell/transfer) your M'sia house🏠, easy way, transfer to your parent or sibling will do❗

✅How does it work❓
u may just transfer the house to ur parent, u continue to serve the house loan, pay a transfer fee will do. 👍

【MYSG】Consultancy, a property transfer team, lead by Senior Financial Consultant, Ivan Chua, who specialist in Property Transfer & Bank Loan Transfer with 12 years experiences, all of the Bank & Lawyer paper work will be done by our team from A - Z!

--------------------------------------------------------------------------

【MYSG】Consultancy linked with 17 banks 🏦 & 13 states land office in M'sia. Provide advise to client how to do it and update client the status until transaction completed. 👍

📌How can we do? Take a look..

🔺Ur house 🏠 still with bank loan, to transfer the ownership only, and u continue serve the installment, can it be done?

By Theory, YES, it can be done, but in Practical, it CAN'T ❌ working out in this way.😱 Why❓

🏠Old House Owner: U
🏦Old Loan Borrower: U

🏠New House Owner: Mother
🏦New Loan Borrower: U + Mother

due to bank's guideline, house owner must INCLUDED into the loan as loan borrower, hence u need to apply a NEW house loan, to add in ur mother's name.

⚠️Remark: is ok mother old age and no income, as long as ur income is sufficient to support. (oh i see, ok got it)

🔺can i add in transfer fee into the loan❓
Yes, our arrangement is lawyer will pay for u on behalf in advance and claim back from bank later, but u need to pay a deposit 💰 to lawyer, in case u cancel the deal half way. (huge amount involved don't play play...) 😂

🔺house fully paid, can transfer name + refinance❓
Yes, let say house price at RM300k, new loan amount maximum u can get 90% of RM300k, that is RM270k (SGD90k), and u pay for installment only. use the money to renovate ur HDB.

🔺mother stay at KL, i stay in SG, house at malacca, can be done❓
Yes, me & my team can handle for whole M'sia transaction, no worry, once the document has been done, courier to KL & SG for u all to sign.

🔺can i purposely mark down my house price to save the cost of transfer❓
M'sia income tax office will still check the paperwork, 99% u can't escape from their eyes.

🔺how long time does it take for transfer❓
Timeliness of procedure as below:-
1. New application of loan, take about 2 weeks
2. loan approved and lawyer get ready the doc, take about 1 week
3. courier to SG n u courier back, take about 1-2 week
4. after doc return to me, from the date I receive, take 3-4 months (90 days) to complete

So total take about 4-5 months to complete

🔺how about my house transfer to parent and they pass away later on?
what u need to do is, parent write a Will, list down u r the beneficiary for this house.

--------------------------------------------------------------------

🤩Wow, amazing service, New Bank Loan, Housing Insurance, Lawyer's legal documentation, Will Writing, courier service, all in 1 stop service.. u dont even need to come back to M'sia to do it.

📍We done more than 200 cases for SPR / SC transfer their M'sia Property, 99% successful rate, our clients take our advise and saved the RPGT tax up to RM30k. Dont even pay any single cash (all the fee can added into loan), and buy their SG HDB happily. 😊

📍To know how much is ur transfer fee & how can it be work? let us know some of ur info, our team will do the calculation & come back to u! click the link below:-
https://forms.gle/8N5qNKtFaUMimERq8
https://forms.gle/8N5qNKtFaUMimERq8
https://forms.gle/8N5qNKtFaUMimERq8