Capitalise on Asset Laddering and Attain Your Dream Landed Home At The Pollen Collection

Capitalise on Asset Laddering and Attain Your Dream Landed Home At The Pollen Collection
Capitalise on Asset Laddering and Attain Your Dream Landed Home At The Pollen Collection

In land-scarce Singapore, newly launched landed properties are far and few. With a lack of supply, brand new landed homes like the Pollen Collection by Bukit Sembawang Estates, are often seen as highly desirable.

While the price tag of a landed home may seem hefty, asset laddering can help most Singaporeans own their dream landed home. Simply put, asset laddering combines capital gains from your current property like a HDB flat or condominium, with savings accumulated over the years, to make the next purchase.

Of course, factors such as lifestyle needs as well as your financial capacity must be considered.

Prices of intermediate terrace homes at the Pollen Collection start from $3.5m*. Assuming we have our eyes set on this rare gem and are able to obtain a 75% bank loan on the purchase price, the initial upfront 25% cash/CFP outlay would cost $875,000, of which $175,000 must be in cash.

After making the 25% payment, you will be able to settle the balance purchase price of $2.625m with a home loan. The estimated monthly repayment on the loan will work out to be around $13,693 assuming a 4.75% interest rate for a 30-year loan tenure. Purchasers with a combined household income of at least $25,000 a month may meet the 55% TDSR requirement*.

DISCLAIMER: Loan information and interest rate packages provided herein are indicative only and subject to approval by the Financial Institution in its sole discretion. As such, any final loan offer made by the Financial Institution may differ from the indicative rates given herein. PropertyGuru and its affiliates will not be liable for any changes in loan rates or terms and/or any damages, losses and other expenses incurred in connection with the information provided herein. 

Purchasing a landed property may sound like an unattainable dream, but actually using a mix of wealth gained from an existing property, available cash, CPF savings and a bank housing loan can make owning a landed home a realizable goal.  

To help you better work out the sums, check out the PropertyGuru mortgage affordability calculator.

Read more about the cost of upgrading your property, here.

Live Large at the Pollen Collection

For those looking for an upgrade, one motivation could be the need for more space or perhaps a new living experience.  

Intermediate terrace homes at the Pollen Collection come with a spacious built-up area of 4,100 sq ft. Corner terrace and semi-detached homes are even bigger in size, and some can fit a swimming pool.  

All homes at the Pollen Collection comprise 5 bedrooms with private bathrooms. Thoughtful layouts allow for an abundance of light and breeze in the house and seamless connections between the indoors and outdoors.  
 
Each home has a 6-meter-high ceiling in the living and dining rooms as well as future-proof design such as a private lift for the elderly, a private car porch for up to 3 cars with provisions for electrical vehicle charging and dry & wet kitchens to cater to different family lifestyle needs. 

Designed by award-winning W Architects, homes at Pollen Collection are distinctive through bold, textured façade accentuated by light-filled and airy space. It is a rare gem house that encapsulates space, character, lifestyle, privacy and exclusivity for the discerning few.

Ample Space and Affordable Price

The Pollen Collection homes offer a significant amount of space at an affordable price when compared to some larger condominium units.

To put things in perspective, a 5-bedroom condominium unit of at least 1,475 sq ft in District 20 could cost $3.25 million. Some larger condominium units in the range of 2,000 sq ft and 2,500 sq ft even fetched prices between $4 million to $6 million.

In comparison, an intermediate terrace home at the Pollen Collection gives you more than double the space (4,100 sq ft built-up area) at $3.5m*.

Pollen Collection is solely marketed by Bukit Sembawang Estates Limited and buying direct from the developer offers you a hassle-free buying experience. Not only do you get a brand-new home with shiny new appliances and fittings, but buyers also have peace of mind with a 1-year customer care service.  

Gear Up for Long Term Gains

New freehold and 999-year leasehold land for landed developments are unlikely to be released for sale by the government. As such, brand new landed properties, like Pollen Collection, will become a much more coveted asset over the long run, especially for growing families with their increasing need for space.  

For families intending to stay under one roof, landed homes with generous built-up areas of 4,100 sqft are possibly the best asset to own for multigenerational living. 

Buying a brand-new home at the Pollen Collection with its 99-year lease allows buyers to enter the landed property market at a more attractive entry price compared to buying a 999-year leasehold or freehold landed property.  
 
And as the property appreciates over time, moving on to a bigger property or one with a longer lease like a freehold, will be an easier transition without having to overstretch your financial resources. 

Furthermore, Pollen Collection’s strategic location and enhanced connectivity give buyers convenient access to nearby schools such as Rosyth School, Anderson Secondary School, ITE College Central and Nanyang Polytechnic.  

It is also within proximity to shopping centres like Ang Mo Kio Hub, Greenwich Village, Seletar Mall as well as medical facilities and other public amenities.

Nearby MRT stations include Ang Mo Kio, Hougang and the upcoming Tavistock stations. Easy access to Central Expressway and Tampines Expressway adds to the easy connectivity.

This high level of convenience, and easy access to nearby amenities and transportation bode well for Pollen Collection’s future price appreciation.

Upgrade with a Trusted Developer

Bukit Sembawang Estates has been developing landed homes in the Seletar Hills Estate and Sembawang since the 1950s.  

To date, Bukit Sembawang has developed more than 4,600 houses in Singapore. The developer has acquired a loyal clientele base that has been constantly levelling up their property goals with them throughout their various stages of life.  

To ensure an exclusive buying experience, Bukit Sembawang Estates built its very first-of-its-kind Landed Homes Flagship Gallery showcasing its full-scale showhouse, media theatre and club lounge along Ang Mo Kio Ave 5 to allow potential buyers a first-hand landed living experience and the luxury of space one could enjoy at Pollen Collection homes. 

Pollen Collection is solely marketed by Bukit Sembawang Estates in-house sales team and viewing is by appointment only. Interested customers can book an appointment online at pollencollection.sg/#appointment or contact Bukit Sembawang Estates’ sales team at 8800 0333. For more project details information, Click Here 

This article is the third of a series of four articles PropertyGuru will be presenting on the Pollen Collection. In the final article, we will look at how Pollen Collection is your ideal choice to realise your landed living dream.

* (terms & conditions apply)

First article – Bukit Sembawang Estates Meets Singaporeans’ Aspiration of Owning a Landed Home with Pollen Collection 

Second article – Wealth Preservation with Pollen Collection’s Bespoke Landed Homes

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