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There is also a tactical distinction between justifying an offer and inviting an argument. You do not need the seller to agree that the duplex is worth S$1,405,050; you only need them to decide whether they will accept, reject or counter. Give two or three objective reasons, then stop. Too much...

The maintenance history matters here. A tenant who reports issues promptly and avoids damage can save more than is obvious from the rent ledger. I would review inspection notes and repair history alongside payment reliability. If both are strong, offering below the advertised market can be a...

I’d favour retention with a moderate adjustment rather than jumping straight to ₹763,000. First calculate how long the extra rent would take to recover even one period of vacancy plus any work needed between tenants. Then give proper written notice, explain that the figure remains below current...

That’s helpful. The missing piece is indeed the financed amount under the applicable loan-to-value tier, so I’ll get the comparison rebuilt using the same loan amount and repayment term for every lender. I’ll also ask for cash-cost tables at several exit points rather than relying on the...

I’ve received a mortgage quote at 8.13% fixed for 10 years on a property purchase of around S$1,910,000. The advertised rate looked lower, but the arrangement fees and applicable loan-to-value tier changed the comparison. On the headline rate it seems competitive; on total cash cost it does not...