With increasing consumer expectations and the consequent push towards greater professionalization, the real estate
industry faces the ever-pressing need to learn, unlearn and relearn in order to stay relevant. They play diverse roles as facilitators, advisors and consultants to the client’s buying and selling process. In today’s competitive market, real
estate professionals have to position themselves to stand out from the crowd.
With the introduction of 7 Property Cooling Measures and Total Debt Servicing Ratio (TDSR) Framework, there were major changes in the various regulations and policies on various types of property financing.  Salespersons are
expected to be knowledgeable in various policies governing the issues of financing loans as specified in Professional
Service Manual issued by CEA.

It is against this backdrop of professionalism that this program is created.  The program will equip participants with the knowledge and skills on mortgage planning for their clients.
By the end of this course, the participant would be able to:-

• Work out a financial plan for your client’s property purchase;
• Comprehensive understanding of the TDSR framework to perform their duties professionally
• Computation of the various taxes from ABSD, SSD to GST which affect property purchases & sales
• Outline the steps banks undertake to assess your client’s creditworthiness
• Weigh the pros and cons of different loan packages and recommend the best fit loan
  package for your client
• Create a plan for your clients to successfully pay off their mortgage earlier
• Utilise a bridging loan effectively to bridge the gap between your client’s purchases;
• Evaluate the costs and benefits of refinancing for your client’s mortgage according to
  MAS Notice 645;
• Distinguish the pros and cons of unlocking the value of your client’s property through
  mortgage according to MAS Notice 632;
• Understand the differences between various insurance programs available for your client’s
  mortgage protection
• Understand the differences between Additions & Alterations (A&A), Erection and
  Reconstruction for Landed Property
• Compute the construction loan
• Understand Company Act and the application for residential & commercial property
• Understand various tax and need for compliance
• Understand Estate Agent Act with clear indication of what  is the acceptable practices
  and avoid any act that may contravene
  this regulation in the area of advising on property financing
• Case studies which involve hands on financial calculation