By guest contributor Gerald Tay

Some “property experts” claim that anyone, including ordinary investors, can own properties easily either with “No Money Down” or “Little Money Down”, and make people pay ridiculous amounts of fees in property seminars just to learn from them.

In this article, I am going to share some of these strategies with you for FREE! But beware – even though some of these strategies may be applicable to an educated investor, they do come with many risks ordinary investors may not fully comprehend.

Between early 2000 and 2005 in Singapore, to help support the local property market, the Loan-To-Value (LTV) was raised from 80% to 90%. The minimum cash requirement was also reduced from 10% to just 5%. In other words, anyone who bought properties during this low period would qualify as buying property with very little money down.

However, government policies always change according to ...