Benjamin Loy

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Benjamin Loy Helping HDB owners upgrade to private property or grow their portfolio — without touching their savings.

30/10/2026

A buyer came with his own property agent, paid a 1% option fee and later decided not to proceed.

He sought to recover the money, alleging misrepresentation by me as the seller’s agent. I disputed that allegation, and ultimately the buyer did not recover the 1%.

Here’s what bothered me.

From my experience of the transaction, the buyer’s agent asked relatively little about the property, but was very clear about the co-broke commission.

Of course, seller’s agents are responsible for the accuracy of their representations.

But a buyer’s agent should also be asking questions, verifying important information and advising the buyer before a financial commitment is made.

买家付了1%的 Option Fee 后反悔,要求退款,并指责我这个卖方经纪提供错误信息。我不认同这个指控,最终买家也没能拿回那1%。

在这宗交易中,我觉得买方经纪对佣金的关注,比对房子重要细节的提问还积极。

卖方经纪当然有责任提供准确资料。

但买方经纪同样应该为客户提问、查证资料、做尽职调查。

29/10/2026

Recently, we dealt with a tenant who failed to pay rent for two consecutive months.

Repeated messages. No meaningful response. No payment arrangement.

Eventually, we had to issue a formal Letter of Demand and take steps to recover possession of the property.

But here’s what many people don’t realise.

Getting the property back doesn’t mean the problem is over.

The tenant’s belongings still need to be dealt with through the proper legal process.

The unit needs cleaning and preparation for the next tenant.

And then comes the next challenge: recovering the unpaid rent and other legitimate expenses.

All while the landlord continues to bear the financial responsibilities of owning the property.

最近处理了一宗非常头痛的租赁纠纷。

租客连续两个月没有交租。

我们多次尝试联系,对方却迟迟没有明确回应,也没有付款安排。

最后,只能发出正式追讨信,并采取法律程序收回房子。

但事情还没结束。

27/10/2026

Recently, I shared that my wife and I purchased two investment properties, one under each of our names.

Some people commented:

“That’s not two properties. You only own one each.”

Others went a step further.

“Wait till you get divorced. Then you’ll understand.”

Well, legally, they’re right about the ownership. Each property belongs to the respective registered owner.

But here’s how I see it.

My wife and I didn’t get married to compete over who owns more, earns more, or contributes more.

We got married to build a life together.

We make decisions together. We take risks together. We celebrate our wins together. And when things don’t go according to plan, we face those challenges together too.

So yes, to me, we have two properties. Because we’re one family.

And to those constantly bringing up divorce…

Of course, nobody knows what the future holds. Financial planning and protecting your interests are important.

But I didn’t marry my wife with the intention of spending the next 30 years calculating how much I could walk away with.

最近分享了我和老婆买下两间投资房的经历。

结果有网友留言:

“一人名下一间,哪里算拥有两间房?”

甚至还有人说:

“等你们离婚的时候,你就知道了!”

看到这些留言,我真的笑了。

26/10/2026

13 years in real estate taught me lessons that no training course ever could.

Income isn’t always consistent. Being busy doesn’t always mean being productive. Not every deal is worth closing. Trust matters more than awards.

And perhaps the biggest lesson of all?

Success means very little if you’re too busy to enjoy it with the people you’re working so hard for.

做房地产13年,有5件事,我真的希望当年有人早点告诉我。

2013年,我踏入房地产这一行。

那时候的我,以为只要够努力、够拼命,成功只是时间的问题。

13年后,我才发现,现实没有那么简单。

24/10/2026

Would you rather own an HDB with a higher rental yield or a condo with potentially greater flexibility?

There is no one-size-fits-all answer. The right property depends on your eligibility, financial position, investment horizon and overall strategy.

💬 Comment “HDB” or “CONDO” — which would you choose, and why?

HDB月租$5,900?!那为什么还有人花几百万买Condo?🤔

Bukit Merah一间HDB,月租竟然达到$5,900!

一年租金就是 $70,800! 💰

假设这间HDB价值$1 million,毛租金回报率高达 7.08%!

相比之下,很多Condo的毛租金回报率可能只有3%–4%。

23/10/2026

Two investment properties. One carefully planned strategy.

Together, that’s a potential $10,500 monthly or $126,000 annual gross rental income, assuming both units are tenanted at those rates.

But this isn’t just about rental yield. It’s about diversification, flexibility and having a clear exit strategy.

Two smaller properties aren’t automatically better than one larger property. The right decision depends on your finances, borrowing capacity, ownership structure, taxes and long-term goals.

330万,你会买一间大的,还是两间小的?

今天,我终于来 Pinetree Hill 领取第二间投资房的钥匙!🔑

很多人问我,为什么不把钱集中起来,买一间更大的房子?

因为对我来说,投资房地产,不只是看房子有多大,而是看资产能创造多少收入和选择。

22/10/2026

$1 TO RESERVE A $1 MILLION HDB FOR 21 DAYS?!

Yes, it’s possible under HDB’s rules.

A buyer recently offered to purchase my client’s approximately $1 million HDB flat but wanted to pay just $1 as the Option Fee.

The permitted Option Fee ranges from $1 to $1,000.

Once the seller grants the OTP, the buyer generally has 21 days to decide whether to exercise it. During that period, the seller cannot issue another OTP.

If the buyer walks away, they forfeit the Option Fee.

In this example, that’s just $1.

But for the seller, the potential cost could be 21 days of lost marketing opportunities, other interested buyers and disruption to their next purchase.

$1就能锁住一间价值100万的HDB,整整21天?!😳

你没看错。只需要一块钱!

最近我遇到一个买家,想买我客户价值约$1,000,000的HDB。

但他提出一个让我傻眼的要求:

“Option Fee,我只给$1,可以吗?”

21/10/2026

We may have the financial capacity to purchase a $5 million property, but my wife and I have chosen not to.

That doesn’t mean a $5 million home is a bad purchase. For the right family, with the right financial position and a carefully calculated plan, it could make perfect sense.

The important question isn’t simply how much the bank is willing to lend you.

It’s whether the purchase allows you to maintain the lifestyle you want, while still protecting your cash flow, emergency reserves, family commitments and long-term financial goals.

If you can comfortably afford it without compromising those priorities, go ahead.

But if upgrading your home means significantly downgrading your lifestyle, perhaps it’s worth reconsidering.

以我们目前的经济能力,我们有机会负担一间$5,000,000的房子。

但我和老婆选择不买。

不是因为500万的房子不值得买,也不是说买500万房子的人做错决定。

而是每个家庭的财务状况、生活方式和人生目标都不一样。

20/10/2026

Five days aboard Disney Adventure with the family. Between the balcony stateroom, princess makeover, souvenirs, drinks and gratuities, the expenses added up quickly.

It’s certainly not cheap.

But here’s something I’ve come to appreciate more as a father.

Money can be earned again. Time cannot.

为了避开新加坡的烟霾,我们一家四口登上了 Disney Adventure。

回来后,好几个朋友都问我同样的问题:

“Disney Cruise到底值不值得?”

19/10/2026

After 13 years in real estate, one of my recurring headaches is chasing tenants for rent every single month.

But this case takes things to another level.

An American tenant rented a landed property in Singapore for $7,500 a month through a company with just $200 in paid-up capital.

After the first month’s rent, payments stopped.

When the elderly landlords tried to recover their property, the tenant’s company took them to court.

The landlords eventually won, but recovering the outstanding money could still prove difficult.

做了13年房产经纪,我每个月最头痛的事情之一,就是帮房东追租金。

有些租客每个月都要提醒,有些提醒两三次才付款。

有时候我真的怀疑,我到底是房产经纪,还是兼职讨债公司?😂

但看完这个新加坡真实案件,我才发现,我遇到的都算小儿科!

一名美国租客,通过一间注册资本只有 $200 的公司,租下一间月租 $7,500 的洋房。

只付了第一个月的租金,之后就不付了。

房东是一对80多岁的老夫妻,想收回自己的房子。

结果租客公司竟然反过来告房东!

最后法院判房东胜诉,但欠租能不能顺利追回,仍然是个问题。

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351 Braddell Road #03/03
Singapore
579713

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