Realtors should be informed about particular housing rules, regulations, and standards. The Fair Housing Act, a comprehensive set of rules, is particularly pertinent. To combat prejudice, fair housing regulations were enacted.

As a real estate agent, you owe a fiduciary responsibility to adhere to applicable laws. At the same time, you want to guarantee that you are acting ethically in general, even outside of your fiduciary position.

The following are some basic facts regarding the Fair Housing Act and other pertinent subjects.

The Fair Housing Act of 1968


A real estate broker must keep in mind that seven protected groups are protected under the national Fair Housing Act. It’s easy to overlook this, yet it must be central to your compliance efforts. The following are the seven protected classes within this legislation:

• Race

• Religion

• National origin

• Disability

• Gender identity

• Kinship status

No one engaged in real estate in any capacity is permitted to discriminate against individuals for the reasons stated above. This is true not just for realtors, but also for lenders, brokers, and landlords.

Consequences of These Laws


As a real estate agent, you are legally prohibited from responding to some inquiries. It makes little difference what the motivations are for some of these demands.

For instance, if you are a realtor and a buyer want to learn more about the crime and safety situation in an area, you should refrain from telling them whether or not the place is safe. Rather than that, you should refer the customer to reliable sources of information, such as local crime statistics.

Certain words, such as couples, singles, professional, or bachelor pad, are prohibited when making postings. Children are not permitted, low-income, disabled, and Section Eight are other words to avoid in listing descriptions.

As an estate agent, you are legally prohibited from answering inquiries regarding the ethnic or racial composition. Additionally, you cannot guide your customer in a particular route within a neighbourhood based on their nationality or colour.

Realtors National Association Ethics Code


The National Association of Realtors (NAR) simple code of ethics states that Realtors cannot refuse professional services to anybody based on their membership in any protected groups listed above or based on their sexual familiarisation or gender identity.

In November 2020, the National Association of Realtors’ Board of Directors reaffirmed the association’s commitment to fair housing by accepting proposals to expand the Code of Ethics to include discriminatory speech and behaviour outside of real estate business that violates ethical standards.

What You Can Communicate With Your Clients


As a competent and ethical agent, you may direct your customers to resources that can assist them in resolving neighbourhood-related issues. Your customers may then make their own judgments. Your objective should always be to provide accurate information and serve as a resource, not to interpret that information.

Taking an example from this year property news. A realtor who is helping his client with the purchasing of Gazania condo exercises caution when he is advising them.

With this in mind, you must bear in mind that in addition to complying with fair housing regulations, you must consider how your customers may see things differently than you do.

It would help if you never made assumptions about your customers or their preferences, not only because you risk unintentionally violating fair housing laws, but also because you are not adhering to the profession’s standards.

Moving back to the example of the real estate broker who introduced the Gazania. The location is not as ideal but the condo is attractively priced.

Quality of life is often used as shorthand for how good you feel about your life. There are formal procedures for calculating this measure, which includes factors such as economic, social, physical, political and spiritual well-being. Singapore may be the smallest country in Southeast Asia but it has emerged as one of the best places to live in Asia with a very high measure of quality of life.

According to global HR consultancy Mercer, Singapore is the best city in Asia in terms of quality of life. Singapore is also considered the “happiest country in Southeast Asia” according to the World Happiness Report 2018 . The study also revealed that in Singapore, family is the most important unit and despite materialistic goals, family and community always come first. This in turn helps to build a contented and happy society.

Factors affecting quality of life:

Fundamental rights

Certain fundamental rights are enshrined in the Constitution, such as freedom of religion, freedom of expression, and equality. These individual rights are not absolute, but are limited by public interests such as the maintenance of public order, morality, and national security. In addition to the general protection of racial and religious minorities, the special position of the Malays, as the indigenous people of Singapore, is enshrined in the constitution.

The Constitution contains express provisions describing the powers and functions of the various organs of the State, including the Legislature (Section 5), the Executive (Section 6) and the Judiciary (Section 7).

Political and social environment

Singapore is known for its stable political climate. Although it is considered centralist and authoritarian, the political culture is pragmatic, rational and based on the rule of law. The government’s primary goal is the survival and prosperity of the small nation. This often means making unpopular but tough and wise decisions in the interest of the nation. The government believes in being proactive and thinking for the future.

According to Singapore’s founding father Lee Kuan Yew, Singapore has been able to attract about 9000 multinational companies because it offers first world conditions in a third world region. Good governance means having a good system that ensures the survival of the country so that the citizens have a secure life.

Housing 

Housing in Singapore falls into two main categories – public HDB flats (built by the Housing Development Board) and private condominiums/landed properties. The choice of flat purely depends on budget, location, facilities/amenities, transport and personal preferences.

Many expats prefer to live in condominiums and often choose to live near their workplace or their children’s schools. Condominiums are mid-rise to high-rise buildings with stylish exteriors and interiors, 24-hour security, swimming pool, gym, tennis courts, barbecue areas and covered parking. Rent for a three-bedroom condo near the CBD can cost between S$7,100 and S$15,200, while units outside the CBD can cost between S$3,200 and S$6,000. HDB flats, where 90% of Singaporeans live, are a cheaper option. However, they do not have the luxurious amenities like swimming pools or gyms. However, they are often located near shopping malls, food courts/restaurants/hawker centres, a library, supermarkets, clinics and sports/leisure facilities. Expats from India, China and Malaysia often find HDB flats a viable and convenient option.

Singaporean usually prefer to get another private property for investment.  One particular condo is called name. The price of the condo cost between $800,000 to $1,700,000

Singapore is currently in a sweet spot, our policies and politics have worked constructively together and the formula has delivered for us. Not just for one term, but for the long haul.

It is a unique position we are in and by international standards it is not at all “normal”, in fact it is highly abnormal. If we ever lose it and become “normal” like every other country where divisive politics run rampant and politics swings with the political wind from one end to the other, we will have lost a valuable competitive advantage and it will be very difficult for us to ever become special again.

Background and Constitution 

The name Singapura comes from the Sanskrit singha (“lion”) and pura (“city”). According to Malay Annals, this name was given by a 14th century Sumatran prince named Sang Nila Utama who, after landing on the island after a thunderstorm, discovered an auspicious animal on the shore. His chief minister mistakenly identified this creature as a “singha”, or lion. The first recorded settlement dates from the 2nd century AD, the island was an outpost of the empire Sumatran Srivijaya and originally bore the Javanese name Temasek (“sea city”). In the third century, Singapore was referred to in a Chinese account as Pu-luo-chung, or “island at the end of a peninsula”. Temasek (Tumasek) quickly became a major trading settlement, but declined in the late 14th century. Between the 16th and early 19th centuries, Singapore Island was part of the Sultanate of Johor. During the Malay-Portugal wars in 1613, the settlement was set on fire by Portuguese troops. The Portuguese subsequently held control in this century and the Dutch in the 17th century, but for most of this period the island’s population consisted mainly of fishermen.

What is now Singapore was founded by the British in 1918. With the expansion of their rule over India and increasing trade with China in the second half of the 18th century, the British saw the need for a port of call in the region South-East Asia. Sir Stamford Raffles , Lieutenant Governor of Bencoolen established a trading post on his landing on 29 January 1819; on 6 February 1819 he concluded a formal treaty with Sultan Hussein of Johor and the Temenggong, [2] the de jure and defacto rulers of Singapore respectively.

In 1824, Singapore’s status as a British possession was formalized by two new treaties. The first was the Anglo-Dutch Treaty of March 1824, [3] by which the Dutch withdrew all objections to the British occupation of Singapore. The second treaty was concluded in August with Sultan Hussein and Temenggong Abdu’r Rahman, [4] by which the two owners ceded the island to the British in return for increased monetary payments and annuities.

The Straits Settlements and Japanese occupation

Singapore became Straits Settlements, along with Malacca and Penang, the two British settlements in the Malay Peninsula, in 1826 under the control of British India. As a result, British common law applied in Singapore as it did in India, particularly the Penal Code, which was imported from the criminal laws then in force in India [5].

By 1832, Singapore had become the center of government for the three territories. On 1 April 1867, the Straits Settlements became a Crown Colony [6] under the jurisdiction of the Colonial Office in London.

In the following decades, Singapore flourished as a trading post and as an important strategic naval station for the British in the Far East. This was interrupted when Singapore fell to the Japanese on 15 February 1942 and was renamed Syonan (Light of the South). [7] It remained under Japanese occupation for the next three and a half years. During this time, Japanese law applied.

To Self-Government – Birth of the Constitution

British forces returned in September 1945 and Singapore came under the British Military Administration. When the period of military administration ended in March 1946, the Straits Settlements was dissolved. On 1 April 1946, Singapore became a Crown Colony with a new Colonial Constitution. [8] Constitutional powers were initially vested in the Governor, who had an advisory council of civil servants and appointed non-officials. This evolved into the separate executive and Legislative Councils in July 1947. The Governor retained firm control of the colony, but there was the possibility of electing six members of the Legislative Council by popular vote. Therefore, the first election in Singapore was held on 20 March 1948.

When the Communist Party of Malaya tried to take over Malaya and Singapore by force, a state of emergency was declared in June 1948. The state of emergency lasted for 12 years. Towards the end of 1953, the British government appointed a commission at Sir George Rendel, to review Singapore’s constitutional position and make recommendations for changes. The Rendel proposals were accepted by the government and served as the basis for a new constitution that gave Singapore a greater degree of self-government.

The 1955 election was the first active political contest in Singapore’s history. The Labor Front won 10 seats and David Marshall became Singapore’s first Chief Minister on 6 April 1955 with a coalition government consisting of his own Labor Front, the United Malays National Organization and the Malayan Chinese Association. Marshall resigned on 6 June 1956 after constitutional talks in London on achieving full internal self-government failed. Lim Yew Hock , Marshall’s deputy and Minister for Labor, became the Chief Minister. In March 1957 the constitutional mission in London, led by Lim Yew Hock, succeeded in negotiating the main terms of a new Singapore Constitution.

On 28 May 1958, the Constitutional Agreement was signed in London. The British Parliament passed a State of Singapore Act [9] and Singapore’s status was changed from a colony to a state. The Singapore (Constitution) Order-in-Council [10] was enacted and the position of a Yang di- Pertuan Negara as constitutional head of state, a prime minister and a 51-member Legislative Assembly were created.

Self-government was obtained in 1959. In May of that year, Singapore’s first general election was held to elect 51 MPs to the first fully elected Legislative Assembly. The PAP won 43 seats and collected 53.4 percent of the total votes. On 3 June, the new Constitution, which confirmed Singapore as a self-governing state, was enacted by the proclamation of the Governor, Sir William Goode, who became the first Yang di- Pertuan Negara (Head of State). The first government of the State of Singapore was sworn in on 5 June, with Mr. Lee Kuan Yew as Singapore’s first Prime Minister.

Moving 50 years forward, the world have started to notice this tiny red dot. 

Singapore is recognised for these strong factors 

The following factors play an important role in determining the quality of life in a particular country:

  • Political and social environment
  • Economic environment
  • Socio-cultural environment
  • Health and sanitation
  • Schools and education
  • Public services and transport
  • Leisure and recreation
  • Natural environment
  • Consumer Goods
  • Housing
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