Home Dreamers

Janice Sam

In Touch

A Monthly Curated Newsletter

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

New HDB policy: Standard, Plus and Prime – how does it affect you?

Housing and Development Board (HDB) will change how it classifies Build-to-Order (BTO) projects, starting in the second half of 2024. The policy changes intend to ensure that HDB policies continue to remain relevant in Singapore's current social and economic construct.

Understand the costs of buying a home

This article provides a comprehensive guide to the costs of buying a home in Singapore, including down payment, stamp duty, legal fees, and renovation costs.

DECORATE YOUR HOME FOR FREE | 10 DECOR IDEAS ON A BUDGET

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Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
Janice Sam

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Testimonials and Referral Notes

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Luqman Hakim

She is a great financial consultant. She explains things well and breaks down concepts for us to easily understand.

Dennis Loy SD. Teacher

Janice is a thoughtful and detail-oriented insurance agent who takes the time to understand what her clients need. She carefully explains all the options available, ensuring you feel confident and well-informed before making any decisions about your money.

LI YUNCHAO. Construction engineer

服务相当到位，解释的很清楚。能站在客户角度分析并给合理化建议。

Lionel Tan. Sales Specialist. MB Commercial Vehicles

Janice has been an incredible insurance advisor. She is knowledgeable, and patient, and always takes the time to explain things clearly. Her recommendations are well thought out and tailored to my needs, giving me confidence in my financial security. I truly appreciate her professionalism and dedication. Highly recommend her to anyone looking for reliable insurance advice!

Shaifuddin. Delivery driver

Knew Janice for almost 10 years. Throughout the years she attended to me very well. She always checks up on me on my well-being. Wish you all the best in your future endeavors!

Nur Atiqa. Policy Administrator

Janice has been our financial advisor for more than 7 years. She will make a point to at least meet once a year to review our policies together and catch up as well. Whenever we require her assistance, she will be quick to respond. She has also helped us with our claims and the process was fuss-free. She is reliable and knowledgeable.