Buying with Confidence Using Halim's Signature Approach
For most of us, buying a property is one of our largest commitments in life. We need to be careful and prudent when purchasing a property. There are many aspects that we need to lookout for and consider. With Halim’s consultation and service, people from all walks of life will receive genuine and sincere advice. Halim has incorporated a system to assist buyers to make an informed and prudent decision on their property purchase.
A Unique Combination
of Data & Research coupled with a Financial Health Check and Project & Unit Selection
Halim uses a 3 prong approach to provide accurate, holistic and prudent advice for his clients. This approach has been designed to be applicable to clients from all walks of life.
The application of data and research on properties provide a clear picture on the property types and locations that will meet the client’s needs . With the advent of digitalisation and technology, there is an abundant amount of data and research that is available. However, as Halim is well versed with data and research techniques, he will present information that is applicable and relevant to clients.
The detailed financial health check enables clients to understand their financial position and allocate their finances for their property purchase comfortably. Prudent purchase of a property is essential, as we have to account for multiple unforeseen circumstances in our financial position.
In addition, when we add the aspect of project and unit selection to the decision making process, clients will derive the best value for their money and be in a good position to enjoy capital appreciation.
Projects that are similar in type and location do transact at different prices and it requires experience and knowledge to shortlist the project that will provide potential upside to the buyer. A little known fact is that different units on the same stack or floor can have very different selling prices, even though the developer or seller might price them similarly. Halim will show you real transactions that prove that project and unit selection are vital to extract best value and potential capital appreciation.
All in all, clients will be in a position to purchase properties that meet their needs, match their finances and offer future capital appreciation opportunities.
Would You Buy
A Lifestyle Home Or An Investment Home?
As we excitedly plan for the purchase of our dream home, we need to know if we are going to buy a Lifestyle Home or an Investment Home. This decision is crucial, as there are substantial differences between the two.
With Halim’s clear and sound explanation, clients will understand the difference between the two and be well equipped to make the right decision for their family.
Lifestyle Home
Bigger Unit Layout
Varying Locations
High Renovation Cost
Lower Sensitivity to Property Value
Stagnant Price Growth
Investment Home
Smaller Unit Layout
Strategic Locations
Low Renovation Cost
Greater Sensitivity to Property Value
Potential Capital Appreciation
The D65 Consultant
Formula of Data & Research
As the primary focus of Halim Gafoor Properties is to understand the needs of his clients, all residential property locations and types are covered. Halim has transacted resale HDBs, resale condominiums, new launch condominiums and landed for his clients across Singapore. He is also referred to as the D65 consultant, which essentially means that he covers all of Singapore.
Utilising a formula involving data and research tools, Halim is empowered to analyse and extract key details and information on locations, amenities, future development, property transactions and rental patterns. This information is customised to his client’s needs and requests, hence, providing the best property solutions for the client.
Transactions By Property Location and Types
​
Halim’s recent transactions include:
Landed properties
Bukit Timah,
Serangoon Gardens
Condominiums
Balestier, East Coast,
Meyer Road, Simei
HDB resale
Dawson, Serangoon,
Eunos, Bedok, Tampines
The above are just some of his recently transacted properties.
Financial
Health Check
A comprehensive financial health check enables clients to understand their financial position. With a clear understanding of their finances, clients are able to plan their property purchase in a comfortable and prudent manner. This includes contingencies for unforeseen financial changes, family dynamics and interest rate increases.
STEP
ONE
Listening and Understanding your Needs Intently to Weigh your Dreams versus Needs.
STEP
TWO
Conducting a Comprehensive Financial Health Check, which includes Assessing Loan Quantum, MSR and TDSR calculations.
STEP
THREE
Assessing your Requirement and Financial Situation.
STEP
FOUR
Recommending Suitable Options based on your Requirement
and Financial Situation, that provides Potential Capital Appreciation Opportunities.
Once the above has been completed, you will have a clear picture on your financials, as a property purchase is the single largest item that we will buy in our lives. Without a sound financial plan, we will be exposing ourselves to a great amount of risk and uncertainty in the future. Hence, with sound financial planning, we can mitigate risks and be in a better position to make a calculated and informed purchasing decision.
The Project
and Unit Selection Process
With the data, research and financial health check complete, the next step is purchasing the property. Here, Halim will go through each and every step to ensure that there is a smooth transition to your dream house or investment, together with the best value and capital appreciation opportunity.
STEP
ONE
Shortlisting of Projects according to Research and Financial Health Check parameters.
STEP
TWO
Analysing of Units that offer Best Upside Opportunity.
STEP
THREE
Unit Selection and Negotiation of Offering Price.
STEP
FOUR
Timeline Planning, which Involves Managing your Current Residential Arrangement, Renovation and Moving into your Dream Home.
Case Study 1
Purchased New Launch Condominium
Client S was looking to purchase a resale condominium unit at Highline Residences, as the units have a higher ceiling.
Halim did research and advised his client that the offering price is higher than the market price
Based on his client’s needs, Halim proposed looking at Amber Park and The Garden Residences
After conducting a Financial Health Check, Halim advised her to purchase either a 2 bedder at Amber Park or a 3 bedder at The Garden Residences
The client bought a 3 bedder at The Garden Residences for
$1.56 million
​Current indicative value at
$1.74 million
Paper Gain of $173k in 10 months, which is equivalent to
13.4%
capital appreciation
What Clients Say About
Halim Gafoor Properties
“Halim is sincere, solution-oriented and highly responsible. He has went the extra mile on several occasions throughout our buying & selling process to help resolve unexpected issues.
Even after post sales & purchase, Halim remains approachable and helpful in addressing our property queries. We appreciate Halim’s sound advices and professionalism which has made our entire sale/purchase process a smooth experience.
We would absolutely recommend Halim to buyers/sellers who are potentially looking at buying or selling properties!”
- Charlene Soh