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Helping homeowners take the first step in asset elevation
Welcome
Your Guide to Upgrading
7 Things Every Malay Homeowner in Singapore Should Know
Buying or selling a home in Singapore is already a big decision—but for Malay families, there are unique considerations that often get overlooked. Whether you’re a first-time buyer, planning to upgrade, or preparing to sell, here are 7 things every Malay homeowner in Singapore should know.
1. CPF Housing Grants for Malay Families
Many Malay households are first-time buyers. Do you know you may qualify for Enhanced Housing Grant (EHG) or Family Grant? These can shave off tens of thousands from your first purchase—but only if you meet the eligibility criteria.
2. Muslim Inheritance (Faraid) Rules
Properties owned by Muslims in Singapore fall under faraid when passed on. This affects how assets are distributed. If you’re planning to leave your home for your children, it’s worth understanding how faraid applies—and exploring tools like a hibah or CPF nomination.
3. Upgrading Beyond HDB Is Possible
Many Malay families think upgrading to a condo or Executive Condo (EC) is “out of reach.” The truth? With the right financial planning, ECs (which start at lower entry prices than condos) can be a realistic next step to build wealth.
4. Loan Restrictions Have Tightened
Recent HDB loan-to-value (LTV) and cooling measures mean families can’t borrow as much as before. This impacts affordability, especially if you’re stretching to upgrade. Always calculate your Mortgage Servicing Ratio (MSR) or Total Debt Servicing Ratio (TDSR) before shopping for homes.
5. Location Matters for Community & Schools
Malay families often prioritize being near mosques, madrasahs, and Malay-friendly communities. Think about your lifestyle needs, not just price per square foot.
6. Renovation Costs Can Add Up
Budgeting only for the purchase price is a mistake. Renovation costs—especially if you want a family-friendly or halal-compliant kitchen setup—can easily add $30k–$60k on top.
7. Selling Your HDB at the Right Time
If you’re upgrading, the timing of your HDB sale matters. Selling during a hot resale market can give you more cash proceeds to roll into your next home—helping you stretch into an EC or condo with less stress.
💡 As a Malay property agent in Singapore, I guide families through these exact concerns—balancing financial clarity with cultural needs. If you’re planning your next property move, let’s chat about your options.
WHAT I DO
I help you upgrade to a home that meets your present and future goals.
Looking for a Malay property agent in Singapore who truly understands your needs? I’m Mirta Syazanna, a CEA-registered real estate agent with PropNex, who helps families buy, sell, and upgrade their homes with clarity and confidence. From navigating HDB policies to exploring condo and EC options, I combine market expertise with cultural understanding—so your family can make the right move, stress-free.
Recent Homes Sold
Sold within 30 Days!
580 Woodlands Dr 16
Sold within 30 Days!
107 Bedok North
Sold within 30 Days!
674 Hougang Ave 8
Sold within 30 Days!
278C Compassvale Bow
Testimonials
What Clients Say
"Incredibly Smooth"
"Mirta's patience, expertise and initiative has made our journey as first-time homeowners an incredibly smooth one! Extremely responsive and knowledgeable in addressing all our questions and concerns along the way, we were always assured that she was working for our interests and committed to securing us the home of our dreams. Thank you Mirta!"
- MP
"Super Patient"
"Thank you sis Mirta for agreeing to meet up with my family in such short notice to discuss. She was super patient in explaining every detail and answering all of our queries. Thank you so much for your time sis."
- Naafiah
"Stress-free"
"I really appreciate the time and effort Mirta put into our consultation. She demonstrated great commitment to ensuring I understood the financial aspects of buying and selling a home. Her willingness to meet in person and walk me through loan calculations made the process feel much more manageable. Her approachable nature, patience and attentive listening is what sets her apart. Whether you're buying, selling or just seeking a consultation, her fresh perspective and dedication makes the experience stress-free. :)"
- Ida M
About Me
Welcome to a fresh start to your real estate journey, where your family's dreams and financial growth are my top priorities. As a dedicated mother of three, I understand the importance of creating a secure and nurturing environment for your loved ones. My journey began with the purchase of a 3-room BTO in Punggol, and through strategic planning and informed decisions, I successfully upgraded to a resale condominium, realising a substantial profit of $400,000.
I specialise in helping families upgrade their homes to meet both present needs and future aspirations. With a deep understanding of the Singapore property market and a meticulous approach, I guide you through the complexities of buying and selling homes, ensuring that every decision aligns with your goals.
Choosing me as your real estate agent means partnering with someone who genuinely cares about your family's future. I offer flexible consultation options tailored to your busy lifestyle, including personalised house visits and hassle-free Zoom consultations. My property guides are packed with practical tips and step-by-step strategies, designed to empower you with the knowledge to make smart real estate investments.
Let's work together to turn your real estate dreams into reality. Whether you're a first-time buyer or looking to upgrade, I'm here to provide the expertise and support you need to make confident, informed decisions. Secure your family's future with a home that grows with you—one strategic step at a time.
Mirta Syazanna
Associate Director
CEA Reg. No. R070524E
Services
What I Offer
Reliability
Count on me for dependable and consistent service. My commitment to transparency and honesty ensures that you can trust me to guide you through every step of your home upgrading journey with confidence and reliability.
Stability
Experience the stability of working with a professional who understands the importance of financial security. My personal experience with upgrading will reflect the same stability I aim to provide for you in your real estate investments. Together, we'll create a robust plan that supports your family's long-term financial goals and home aspirations.
Peace of Mind
Enjoy peace of mind knowing that your real estate decisions are backed by expert data and meticulous planning. I prioritise your family's needs and future, offering personalised solutions that ensure a smooth and stress-free process. From our initial consultation to finding your dream home, I am dedicated to making your journey as seamless and reassuring as possible.
ENGAGing My Services
How It Works
Chat With An Expert
Begin your journey by having a detailed conversation with a real estate expert who understands your unique needs and aspirations. During this consultation, we'll discuss your current situation, goals, and any concerns you may have. This initial chat is designed to provide you with valuable insights and set a solid foundation for your home upgrading process.
Determine Your Cashflow
Understanding your financial position is crucial in making informed real estate decisions. We will work together to assess your income, expenses, and existing assets to determine your cash flow. This step ensures that you have a clear picture of your budget and financial capabilities, enabling you to make smart, sustainable choices for your home upgrade.
Find Your Dream Home
With a clear understanding of your financial situation and goals, we move on to the exciting part—finding your dream home. Leveraging my expertise and knowledge of the market, I'll present you with options that align with your preferences and budget. We'll explore various properties, ensuring you find the perfect home that meets your present needs and future aspirations.
Our Combined Experience
Mirta x Andik
Welcome to a new era of real estate guidance, where family is at the heart of every decision we make. Here, we understand that home is the cornerstone of your life, and making the right choices for your family’s future is crucial.
Together with my partner, Andik Imran, founder of Real Estate Dad, we combine our strengths to offer you unparalleled guidance in the real estate market.
Through meeting people like you, we aim to share the insights and lessons we've learned along the way. Our goal is to shift mindsets and help families understand that wealth can indeed be grown step-by-step. Real estate, when approached with careful planning and informed decision-making, can be a powerful vehicle for financial growth and stability.
Join us on this journey to make your real estate dreams a reality. Let's build a future that you and your family can be proud of. Here’s to making strategic moves and building a brighter future for our families, one step at a time.
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