Done deals Aug 16-23

Page 1

DoneDeals

THEEDGE SINGAPORE  | September 9, 2013  •1

Done Deals

THEEDGE SINGAPORE | September 9, 2013 • 1

bRYAN tAY, THE EDGE SINGAPORE

The Edge Singapore Property Transaction Tracker

A 1,302 sq ft unit at Optima@Tanah Merah was sold for $1,412 psf

Revival of interest in Tanah Merah Two units at The Bayshore were sold in the week of Aug 16 to 23

| BY GWYNETH YEO |

F

ollowing the launch of new projects such as Optima, eCO and Urban Vista over the last three years, interest in the Tanah Merah neighbourhood in the East has increased. That is likely to intensify with the upcoming preview of The Glades — a joint venture between Keppel Land and China Vanke — which sources expect to take place within the next week or two. The Glades is located next to the entrance to the Tanah Merah MRT Interchange station. Transactions in Tanah Merah have picked up dramatically in the week of Aug 16 to 23.

Located across New Changi Road from The Glades is the 293-unit Optima by City Developments Ltd (CDL) in a joint venture with TID Pte Ltd. Optima was completed last year. In August, a 1,302 sq ft unit on the 12th floor of one of the blocks changed hands for close to $1.84 million ($1,412 psf), making it the second most expensive unit sold in the development within the year. This is the second time the unit has changed hands in the secondary market.The last time was in April 2011, when it was sold for $1.24 million ($952 psf). The first buyer purchased it at launch in August 2009 for just over $1 million ($776 psf). Prior to that, a 2,336 sq ft three-bedroom-

plusstudy unit at Optima changed hands in April for $2.12 million ($908 psf). The previous owner had purchased the unit from the developer three years ago for $1.45 million ($621 psf). When the 99-year leasehold condo Optima previewed three years ago, it was sold out within three days at an average price of $810 psf. The project had attracted a mix of investors and owner-occupiers, owing to its location next to the Tanah Merah MRT station. Last year marked the launch of eCO, a 748unit project by Far East, Frasers Centrepoint and Sekisui House. As at end-July, only 91 units remained unsold at the 99-year leasehold condo, and the median price achieved was $1,477 psf. The most recent launch in the area was that of Urban Vista, developed by joint partners Fragrance Group and World Class Land. It is a 582-unit, 99-year leasehold mixed-use development comprising SOHOs and apartments. Since its launch in March, 478 units (89.3%) of the 535 released have been sold at a median price of $1,490 psf as at end-July. The latest transaction at Urban Vista was that of 1,485 sq ft three-bedroom unit on the 14th floor that was sold for $1.87 million ($1,258 psf), according to a caveat lodged on Aug 19. Four other units were sold at $1,264 to $1,592 psf last month. According to Joseph Lee, senior marketing director at ERA Realty Network, two-bedroom units at Optima can fetch rental rates of $3,800 to $4,200 a month. As Urban Vista’s unit sizes are more compact, he expects rental rates to be lower and overall rental yields to hover around 4% when the project is completed. Buyers are increasingly more price-sensitive in the light of the government measures, especially following the Total Debt Service Ratio (TDSR) loan framework with a 60% debt threshold; the recent lowering of the Mortgage Servicing Ratio (MSR) and shortened loan tenure for the HDB resale market; as well as new permanent residents (PRs) disallowed from purchasing HDB resale flats until three years after obtaining their new status. Some PRs may buy a private condo instead, but they have to pay a 5% additional buyer’s stamp duty (ABSD), and not all the affected PRs have the purchasing power to buy a mass market condominium, says Lee Lay Keng, DTZ’s head of Singapore research. “So, the increase in demand for mass market private condominiums from PRs who would have purchased an HDB resale flat will not be that significant.”


2 • THEEDGE SINGAPORE | September 9, 2013

Done Deals

However, Lee reckons the rental demand for mass market private condos could increase, as PRs who cannot buy HDB resale flats now and do not have the purchasing power for a private property will have to rent instead, and some of them could choose to rent a mass market private condo. Thus, while transactions are expected to fall after the TDSR, rental demand may be resilient. All eyes will be on the launch of The Glades in Tanah Merah, as it will A 8,643 sq ft detached house located on Jalan Nipah was be the most significant new launch af- recently sold for $8.3 million ($960 psf) ter the TDSR and the MSR measures. The 99-year leasehold development is said likely to be in the $1,400 to $1,600 psf range. Meanwhile, there have been several transto comprise 726 residential units and three shops across nine towers. Unit types range actions in the Bedok-Upper East Coast area. from one- to four-bedroom apartments and For instance, two units at The Bayshore one- and two-bedroom Small Office Home Of- were recently sold. One was a 1,227 sq ft fice (SOHO) units to four-bedroom, dualkey unit on the ninth floor of one of the blocks units and penthouses. According to market that fetched $1.28 million ($1,043 psf). The sources, indicative prices of the project are other was a 969 sq ft unit on the fifth floor

that was sold for $1.06 million (1,094 psf). The Bayshore is a 99-year leasehold condo with 1,038 units. It was developed by Far East Organization and completed in 1999. Farther up on Bedok Road in the quiet housing estate of Bedok Ria is a detached house sitting on an 8,643 sq ft freehold land parcel at the end of Jalan Nipah. It was sold for $8.3 million ($960 psf) recently by Samuel Eyo, director of prestige home at Savills Singapore, in a co-broke deal. The property had been on the market for more than a year and was sold to a Singaporean who wanted to live near his work place in Bedok. The 5,400 sq ft house was rebuilt seven years ago. “Tanah Merah is a booming area because of the proximity to Changi International Business Park and Changi International Airport,” says Savills’ Eyo. Adding to the buzz is the new Terminal 5, scheduled for completion in the mid-2020s and expected to bring more E business to the area.

ment! Choice invest ation! Excellent loc rice! Affordable p

Project hotline:

· Right next to Tanah Merah MRT · Well connected to major roads & expressways · Proximity to wide range of amenities · Easy access to outdoor recreational facilities · Near to New Bedok Town Centre, Changi Business Park & Singapore’s 4th University (SUTD) & future Changi Airport’s Project Jewel · Near reputable local & international schools

· Located at the fringe of city · 5 mins walk to Boon Keng MRT · Superb connectivity – short drive to CBD & Orchard · Easy access to highways – CTE, PIE & KPE · Close proximity to various reputable local & international schools · Close proximity to shopping malls

+65 6100 8628


THEEDGE SINGAPORE  | September 9, 2013  •3

Done Deals

Apartment and condo transactions with contract dates from Aug 16 to 23 Project Property Tenure CONTRACT Type DATE

Floor Area Transacted Unit Price Completion (sq ft) Price ($) ($ psf) Date

Type of Purchaser Sale Address

District 3 MERAPRIME

Condominium

99 year

August 23, 2013

1,173

$1,760,000

$1,500

2006

Resale

Private

THE ANCHORAGE

Condominium

Freehold

August 21, 2013

1,163

$1,500,000

$1,290

1997

Resale

Private

District 4 REFLECTIONS AT KEPPEL BAY Condominium

99 year

August 16, 2013

2,207

$4,500,000

$2,039

2011

Resale

Private

REFLECTIONS AT KEPPEL BAY Condominium

99 year

August 20, 2013

1,539

$2,700,000

$1,754

2011

Resale

Private

CARIBBEAN AT KEPPEL BAY

Condominium

99 year

August 23, 2013

1,647

$2,600,000

$1,579

2004

Resale

Private

THE INTERLACE

Condominium

99 year

August 20, 2013

2,056

$2,576,120

$1,253

Uncompleted

New Sale

Private

District 5 LYNNSVILLE 331

Terrace House

Freehold

August 16, 2013

2,960

$2,120,000

$716

2009

Resale

Private

DOVER PARKVIEW

Condominium

99 year

August 23, 2013

1,249

$1,550,000

$1,241

1997

Resale

Private

THE MAYLEA

Condominium

Freehold

August 20, 2013

1,152

$1,515,000

$1,315

2008

Resale

Private

GLORIA MANSION

Apartment

Freehold

August 16, 2013

1,141

$1,330,000

$1,166

Unknown

Resale

HDB

VISTA PARK

Condominium

99 year

August 16, 2013

947

$988,000

$1,043

1985

Resale

Private

District 8 URBAN LOFTS

Apartment

Freehold

August 20, 2013

667

$865,000

$1,296

2010

Resale

HDB

District 9 YONG AN PARK

Condominium

Freehold

August 22, 2013

3,434

$6,380,000

$1,858

1986

Resale

Private

ASPEN HEIGHTS

Condominium

999 years

August 19, 2013

3,197

$4,950,000

$1,548

1998

Resale

Private

MARTIN PLACE RESIDENCES

Condominium

Freehold

August 23, 2013

1,722

$3,650,640

$2,120

2011

Resale

Private

KIM SIA COURT

Apartment

Freehold

August 16, 2013

1,421

$2,800,000

$1,971

Unknown

Resale

Private

SOPHIA RESIDENCE

Condominium

Freehold

August 20, 2013

1,432

$2,420,000

$1,690

Uncompleted

Sub Sale

Private

LEONIE HILL RESIDENCES

Apartment

Freehold

August 19, 2013

1,141

$2,300,000

$2,016

2005

Resale

Private

THE SCOTTS TOWER

Condominium

103 years

August 20, 2013

624

$2,137,500

$3,424

Uncompleted

New Sale

Private

WILKIE 80

Apartment

Freehold

August 16, 2013

560

$1,040,000

$1,858

2010

Resale

Private

District 10 FOUR SEASONS PARK

Condominium

Freehold

August 21, 2013

2,260

$5,670,000

$2,508

1994

Resale

THE TRIZON

Condominium

Freehold

August 19, 2013

2,217

$3,507,960

$1,582

2012

New Sale

Private Private

THE TENERIFFE

Terrace House

99 year

August 16, 2013

3,122

$2,815,000

$902

2003

Resale

Private

FIFTH AVENUE CONDOMINIUM Condominium

Freehold

August 19, 2013

1,615

$2,590,000

$1,604

1998

Resale

Private

THE SERENADE @ HOLLAND

Condominium

99 year

August 16, 2013

1,787

$2,323,000

$1,300

2004

Resale

Private

CUSCADEN ROYALE

Apartment

Freehold

August 22, 2013

1,001

$2,150,000

$2,148

2010

Resale

Private

THE TESSARINA

Condominium

Freehold

August 19, 2013

1,324

$2,140,000

$1,616

2003

Resale

Private

KELLOCK LODGE

Apartment

Freehold

August 21, 2013

893

$1,348,000

$1,509

1997

Resale

HDB

VALLEY PARK

Condominium

999 years

August 23, 2013

797

$1,250,000

$1,569

1997

Resale

Private

District 11 THE LINCOLN RESIDENCES

Condominium

Freehold

August 20, 2013

1,948

$3,634,000

$1,865

2011

Resale

BARKER TERRACES

Terrace House

Freehold

August 23, 2013

2,616

$3,000,000

$1,147

2006

Resale

Private HDB

CHANCERY COURT

Condominium

99 year

August 22, 2013

926

$1,320,000

$1,426

1981

Resale

Private

LINCOLN SUITES

Condominium

Freehold

August 20, 2013

463

$1,295,000

$2,798

Uncompleted

New Sale

HDB

District 12 EIGHT RIVERSUITES

Condominium

99 year

August 21, 2013

818

$1,144,800

$1,399

Uncompleted

New Sale

HDB

COSMO LOFT

Apartment

Freehold

August 16, 2013

452

$818,000

$1,809

Uncompleted

New Sale

HDB

District 13 SERANGOON PARK

Terrace House

Freehold

August 20, 2013

1,658

$2,520,000

$1,525

Unknown

Resale

HDB

59 JALAN RIANG

Terrace House

Freehold

August 22, 2013

1,776

$2,400,000

$1,349

Unknown

Resale

Private

EURO-ASIA PARK

Condominium

Freehold

August 21, 2013

797

$935,000

$1,174

1996

Resale

Private

District 14 DAKOTA RESIDENCES

Condominium

99 year

August 20, 2013

1,313

$1,880,000

$1,432

2010

Resale

HDB

KEMBANGAN COURT

Apartment

Freehold

August 23, 2013

893

$958,000

$1,072

1994

Resale

Private

VACANZA @ EAST

Condominium

Freehold

August 17, 2013

484

$635,000

$1,311

Uncompleted

Sub Sale

HDB

District 15 3 JALAN SEDAP

Semi-Detached House

Freehold

August 19, 2013

3,401

$4,850,000

$1,427

Unknown

Resale

Private

CAMELOT BY-THE-WATER

Condominium

99 year

August 16, 2013

3,294

$4,830,000

$1,466

2000

Resale

Private

548 EAST COAST ROAD

Terrace House

Freehold

August 21, 2013

1,927

$2,750,000

$1,430

Unknown

Resale

Private

IDYLLIC RESIDENCES

Apartment

Freehold

August 19, 2013

1,798

$1,680,000

$935

2009

Resale

Private

COSTA RHU

Condominium

99 year

August 16, 2013

1,399

$1,660,000

$1,186

1997

Resale

Private

THE MAKENA

Condominium

Freehold

August 19, 2013

1,152

$1,450,000

$1,259

1998

Resale

HDB

LAGOON VIEW

Apartment

101 years

August 21, 2013

1,647

$1,388,888

$843

Unknown

Resale

Private

FIRST POINT SUITES

Apartment

Freehold

August 16, 2013

1,012

$1,320,000

$1,305

Uncompleted

New Sale

EBONY MANSIONS

Apartment

Freehold

August 23, 2013

1,195

$1,260,000

$1,055

1995

Resale

Private

EAST PALM

Apartment

Freehold

August 19, 2013

1,066

$1,210,000

$1,135

2004

Resale

Private

HDB


4 • THEEDGE SINGAPORE | September 9, 2013

Done Deals

Apartment and condo transactions with contract dates from Aug 16 to 23

Project Property Tenure CONTRACT Floor Area Transacted Unit Price Completion Type DATE (sq ft) Price ($) ($ psf) Date HAIG 162 Apartment Freehold August 18, 2013 366 $600,000 $1,639 2013

Type of Purchaser Sale Address Sub Sale Private

District 16 BEDOK RIA

Detached House

Freehold

August 16, 2013

8,643

$8,300,000

$960

1993

Resale

HDB

KEW GREEN

Condominium

99 year

August 19, 2013

3,595

$2,550,000

$709

1997

Resale

Private

URBAN VISTA

Condominium

99 year

August 19, 2013

1,485

$1,869,407

$1,258

Uncompleted

New Sale

Private

OPTIMA @ TANAH MERAH

Condominium

99 year

August 16, 2013

1,302

$1,838,800

$1,412

2012

Resale

Private

WATERFRONT WAVES

Condominium

99 year

August 16, 2013

1,346

$1,578,888

$1,173

2011

Resale

Private

THE BAYSHORE

Condominium

99 year

August 19, 2013

1,227

$1,280,000

$1,043

1997

Resale

Private

THE BAYSHORE

Condominium

99 year

August 16, 2013

969

$1,060,000

$1,094

1996

Resale

Private

THE SUMMIT

Condominium

Freehold

August 19, 2013

840

$960,000

$1,143

1991

Resale

HDB

URBAN VISTA

Condominium

99 year

August 16, 2013

592

$942,617

$1,592

Uncompleted

New Sale

HDB

District 17 SANDY PALM

Condominium

99 year

August 19, 2013

1,528

$1,280,000

$837

2002

Resale

Private

District 18 Terrace House

99 year

August 20, 2013

2,637

$2,075,000

$788

1976

Resale

Private

CHANGI RISE CONDOMINIUM Condominium

PASIR RIS BEACH PARK

99 year

August 20, 2013

1,496

$1,428,000

$954

2004

Resale

HDB

SAVANNAH CONDOPARK

Condominium

99 year

August 21, 2013

1,453

$1,380,000

$950

2005

Resale

HDB

THE TROPICA

Condominium

99 year

August 20, 2013

1,518

$1,360,000

$896

2000

Resale

Private

VUE 8 RESIDENCE

Condominium

99 year

August 16, 2013

1,346

$1,264,640

$940

Uncompleted

New Sale

HDB

EASTPOINT GREEN

Condominium

99 year

August 19, 2013

1,141

$1,070,000

$938

1999

Resale

HDB

NV RESIDENCES

Condominium

99 year

August 19, 2013

904

$955,000

$1,056

Uncompleted

Sub Sale

HDB

EASTPOINT GREEN

Condominium

99 year

August 16, 2013

969

$910,000

$939

1999

Resale

HDB

WATERVIEW

Condominium

99 year

August 16, 2013

786

$888,000

$1,130

Uncompleted

Sub Sale

THE TAMPINES TRILLIANT

Executive Condominium 99 year

August 19, 2013

1,001

$847,000

$846

Uncompleted

New Sale

Private

MELVILLE PARK

Condominium

99 year

August 16, 2013

936

$815,000

$870

1996

Resale

Private

WATERCOLOURS

Executive Condominium 99 year

August 21, 2013

947

$722,600

$763

Uncompleted

New Sale

HDB

WATERCOLOURS

Executive Condominium 99 year

August 23, 2013

786

$602,800

$767

Uncompleted

New Sale

HDB

HDB

District 19 17A ROSYTH ROAD

Semi-Detached House

999 years

August 16, 2013

6,114

$6,200,000

$1,015

1985

Resale

Private

GOLDENHILL VILLAS

Semi-Detached House

Freehold

August 19, 2013

5,005

$5,100,000

$1,018

2004

Resale

Private

25 JALAN TELITI

Terrace House

Freehold

August 16, 2013

3,003

$3,600,000

$1,197

1986

Resale

Private

RICHARD’S PARK

Terrace House

Freehold

August 19, 2013

2,616

$2,880,000

$1,102

Unknown

Resale

Private

GOLDEN HILL ESTATE

Terrace House

Freehold

August 16, 2013

1,679

$2,780,000

$1,657

1976

Resale

Private

THE QUINN

Apartment

Freehold

August 19, 2013

1,227

$1,952,980

$1,592

Uncompleted

New Sale

Private

KOVAN RESIDENCES

Condominium

99 year

August 23, 2013

1,259

$1,730,000

$1,374

2011

Resale

HDB

GLASGOW RESIDENCE

Apartment

999 years

August 19, 2013

1,421

$1,250,000

$880

2010

Resale

Private

THE QUINN

Apartment

Freehold

August 19, 2013

904

$1,235,220

$1,366

Uncompleted

New Sale

Private

FONTAINE PARRY

Condominium

999 years

August 19, 2013

915

$1,130,000

$1,235

2010

Resale

HDB

WATERBAY

Executive Condominium 99 year

August 22, 2013

1,959

$1,089,300

$556

Uncompleted

New Sale

HDB

TWIN WATERFALLS

Executive Condominium 99 year

August 20, 2013

915

$730,000

$798

Uncompleted

New Sale

HDB

JEWEL @ BUANGKOK

Condominium

August 20, 2013

484

$651,420

$1,345

Uncompleted

New Sale

HDB

99 year

District 20 SEMBAWANG HILLS ESTATE

Semi-Detached House

Freehold

August 22, 2013

2,723

$2,880,000

$1,059

FAR HORIZON GARDENS

Condominium

99 year

August 22, 2013

3,907

$2,200,000

$563

Unknown

Resale

Private

1986

Resale

Private

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THEEDGE SINGAPORE  | September 9, 2013  •5

Done Deals

Project Property Tenure CONTRACT Type DATE

Floor Area Transacted Unit Price Completion (sq ft) Price ($) ($ psf) Date

Type of Purchaser Sale Address

HORIZON GARDENS

Terrace House

99 year

August 19, 2013

2,982

$2,060,000

$691

2002

Resale

Private

GRANDEUR 8

Condominium

99 year

August 19, 2013

1,227

$1,390,000

$1,133

2005

Resale

Private

BISHAN 8

Condominium

99 year

August 23, 2013

1,163

$1,375,000

$1,183

1999

Resale

HDB

GRANDEUR 8

Condominium

99 year

August 19, 2013

1,195

$1,348,000

$1,128

2005

Resale

Private

District 21 JARDIN

Condominium

Freehold

August 20, 2013

1,819

$3,665,800

$2,015

2012

Resale

Private

JARDIN

Condominium

Freehold

August 20, 2013

1,808

$3,567,800

$1,973

2012

Resale

Private

THE BLOSSOMVALE

Condominium

999 years

August 16, 2013

1,528

$2,050,000

$1,341

1998

Resale

Private

ENG KONG GREEN

Condominium

Freehold

August 19, 2013

1,044

$1,250,000

$1,197

1999

Resale

Private

District 22 THE CENTRIS

Apartment

99 year

August 19, 2013

1,259

$1,508,000

$1,197

2009

Resale

Private

PARC VISTA

Condominium

99 year

August 16, 2013

1,259

$1,220,000

$969

1998

Resale

HDB

LAKEPOINT CONDOMINIUM

Condominium

99 year

August 16, 2013

2,077

$1,200,000

$578

Unknown

Resale

HDB

PARC VISTA

Condominium

99 year

August 22, 2013

1,259

$1,180,000

$937

1998

Resale

J GATEWAY

Condominium

99 year

August 21, 2013

689

$1,092,000

$1,585

Uncompleted

New Sale

HDB Private

District 23 THE DAIRY FARM

Condominium

Freehold

August 16, 2013

1,518

$1,800,000

$1,186

1985

Resale

THE MADEIRA

Condominium

99 year

August 16, 2013

1,302

$1,200,000

$921

2003

Resale

Private HDB

HILLBROOKS

Condominium

Freehold

August 23, 2013

1,130

$1,155,000

$1,022

1999

Resale

Private

THE QUINTET

Executive Condominium 99 year

August 16, 2013

1,292

$1,150,000

$890

2006

Resale

HDB

HAZEL PARK CONDOMINIUM Condominium

999 years

August 16, 2013

980

$1,100,000

$1,123

2000

Resale

Private

REGENT HEIGHTS

Condominium

99 year

August 19, 2013

1,023

$920,888

$901

1999

Resale

HDB

CHESTERVALE

Executive Condominium 99 year

August 16, 2013

1,259

$905,000

$719

1999

Resale

HDB

District 25 FORESTVILLE

Executive Condominium 99 year

August 20, 2013

1,399

$1,086,790

$777

Uncompleted

New Sale

Private

FORESTVILLE

Executive Condominium 99 year

August 16, 2013

1,292

$983,650

$762

Uncompleted

New Sale

HDB

FORESTVILLE

Executive Condominium 99 year

August 22, 2013

1,249

$971,960

$778

Uncompleted

New Sale

LA CASA

Executive Condominium 99 year

August 20, 2013

1,184

$950,000

$802

2008

Resale

LA CASA

Executive Condominium 99 year

August 21, 2013

1,141

$905,000

$793

2008

Resale

HDB

LA CASA

Executive Condominium 99 year

August 23, 2013

980

$860,000

$878

2008

Resale

Private

LA CASA

Executive Condominium 99 year

August 19, 2013

980

$818,000

$835

2008

Resale

FORESTVILLE

Executive Condominium 99 year

August 20, 2013

1,033

$764,750

$740

Uncompleted

New Sale

HDB Private

HDB Private

District 26 MEADOWS @ PEIRCE

Condominium

Freehold

August 19, 2013

1,776

$2,062,000

$1,161

2012

Sub Sale

Private

District 27 SEMBAWANG SPRINGS ESTATE Semi-Detached House

999 years

August 21, 2013

4,553

$3,900,000

$858

Unknown

Resale

Private

YISHUN EMERALD

Condominium

99 year

August 19, 2013

1,184

$883,000

$746

2002

Resale

Private

1 CANBERRA

Executive Condominium 99 year

August 19, 2013

1,055

$800,800

$759

Uncompleted

New Sale

HDB

1 CANBERRA

Executive Condominium 99 year

August 22, 2013

1,044

$760,000

$728

Uncompleted

New Sale

HDB

1 CANBERRA

Executive Condominium 99 year

August 19, 2013

1,044

$749,000

$717

Uncompleted

New Sale

HDB

1 CANBERRA

Executive Condominium 99 year

August 19, 2013

1,055

$739,312

$701

Uncompleted

New Sale

Private

District 28 224 JALAN KAYU

Semi-Detached House

999 years

August 20, 2013

4,198

$3,100,000

$738

12 JALAN TARI ZAPIN

Semi-Detached House

999 years

August 16, 2013

2,185

$2,888,000

$1,324

1992

Resale

Unknown

Resale

MIMOSA PARK

Condominium

Freehold

August 16, 2013

1,873

$1,670,000

SUNRISE GARDENS

Condominium

99 year

August 19, 2013

1,442

$1,230,000

HDB

$892

1979

Resale

Private

$853

1998

Resale

HDB

DISCLAIMER: Source: URA Realis. Updated Sept 3, 2013. The Edge Publishing Pte Ltd shall not be responsible for any loss or liability arising directly or indirectly from the use of, or reliance on, the information provided therein.

HDB


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