C.Cai Shen新加坡商业房地产Singapore Commercial PropertyBNI · 1–2–1
BNI 1–2–1 · 认识彼此，连接机会Get acquainted. Connect opportunities.
从一次认识，到长期互相成就From a first introduction to lasting partnerships

老板卖铺、出租、
换大空间，找 Cai Shen。Selling, leasing or upgrading
your business space?
Talk to Cai Shen.

专注新加坡商业房地产。
帮业主卖、租，帮老板换合适的地方。
投资房产，先算清楚账。Singapore commercial property.
Helping owners sell and lease, and businesses find the right premises.
For investments, start with the numbers.

看看谁适合引荐Explore ideal referrals↗完整一对一问答 ↓Full 1-to-1 Q&A ↓
记住三个字Remember three needs卖 · 租 · 换SELL · LEASE · UPGRADE
商业街店屋与城市办公楼的原创插画
我的理想引荐MY REFERRAL FOCUS有物业的老板，Property owners
有下一步的打算。planning their next move.退休变现 / 出售出租 / 卖小换大Retirement / Sale & lease / Upgrading
01 / CONNECT
01 / 理想引荐01 / IDEAL REFERRALS

你身边，有这样的老板吗？Do you know a business owner like this?

最希望认识：I would especially like to meet:
手上有商业物业，想卖或想租的业主。Commercial property owners looking to sell or lease.

退休 · 变现Retire & release capital
01

准备退休的业主Owners planning retirement

生意不做了，下一代不接班。They are retiring, and the next generation won’t take over.
店铺或整栋楼，也想卖掉变现。They may also want to sell their shop or entire building.

“孩子不接，我想把物业处理好。”“My children won’t take over. I’d like to sell the property.”
出售 · 出租Sell & lease
02

有物业待处理的老板Owners with a property to sell or lease

手上有店铺、办公室或整栋物业，They own a shop, office or entire building,
正在考虑出售，或者寻找租客。and are considering a sale or looking for tenants.

“这个地方空着，想找合适租客。”“The unit is vacant. I’m looking for a suitable tenant.”
扩充 · 换大Expand & upgrade
03

生意正在成长的老板Owners of growing businesses

营业空间不够用，Their current premises are no longer big enough.
想卖掉小单位，换一个更大的地方。They want to sell a smaller unit and move to a larger one.

“生意做大了，现在这里不够用。”“The business has grown. We need more space.”
把这句话记住，就容易引荐Remember this question to spot a referral

“有店铺想卖、想租，
或者生意需要换地方？”“Do you have a shop to sell or lease, or does your business need a new space?”

介绍给Cai Shen，先把需求聊清楚。Introduce them to Cai Shen to discuss their needs.

一句话介绍我A simple introduction

你有商业物业想卖、想出租，或公司要换更大的地方？我介绍 Cai Shen 给你，她专注新加坡商业房地产。Do you have a commercial property to sell or lease, or need larger business premises? Let me introduce you to Cai Shen, a Singapore commercial property agent.

02 / 我的服务02 / MY SERVICES

先把账算清，再把路走稳。Understand the numbers. Plan the next move.

细致跟进，从需求规划到交易执行。Careful support, from understanding needs to completing the transaction.
需要其他专业服务，我帮你连接资源。When other expertise is needed, I connect you with the right professionals.

01

了解人和需求Understand the client

财务情况、经营需要、投资目标。Finances, business needs and investment goals.
先弄清为什么买、为什么卖。First, understand the reason for buying or selling.

02

分析预算与选择Assess budget & options

预算、贷款、现金流及持有成本。Budget, financing, cash flow and holding costs.
筛选适合的物业与处理方案。Identify suitable properties and ways forward.

03

推进交易与配套Support the transaction

跟进出售、出租、购买流程。Follow through on sales, leases and purchases.
按需要对接律师、贷款及装修。Connect clients with legal, financing and renovation support as needed.

服务细Attentive service

从客户的真实情况出发Start with the client’s actual circumstances

中文客户资源Chinese-speaking network

连接中国客户与新移民群体Connections with Chinese clients and new immigrants

持续视频曝光Video visibility

通过内容，让更多人认识服务Help more people discover my services through content

我的经历MY STORY

从广东小山村，
到新加坡商业地产。From a Guangdong village
to Singapore commercial property.

我是 Cai Shen。走过不同国家和行业，如今在新加坡生活、工作，也是两个女儿的妈妈。I’m Cai Shen. My journey has taken me across countries and industries. Today, Singapore is home, and I’m a mother of two daughters.

01

广东 · 出生Guangdong · Roots

出生在中国广东的一个小山村。Born in a small mountain village in Guangdong, China.

02

东北 · 求学Northeast China · Education

后来到中国东北读书，并在那里毕业。Moved to Northeast China to study and graduated there.

03

亚洲 · 工作Across Asia · Work

毕业后，先后在印度、越南和印度尼西亚工作。After graduation, worked in India, Vietnam and Indonesia.

04

新加坡 · 家庭与事业Singapore · Family & Career

因为结婚来到新加坡，育有两个女儿，并在这里发展事业。Moved to Singapore after getting married, have two daughters, and have built my career here.

全县第 3 名3rd in the county

学生时代，我也是学霸。An academic high achiever in my school days.

初中升高中考试（中考），全县排名第三。Ranked third across the county in the senior high school entrance examination in China.

不同经历，带来不同视角。Different experiences.
A broader perspective.
7年采购years in procurement
7年电商years in e-commerce
6年房产经纪years as a property agent
03 / 合作伙伴03 / REFERRAL PARTNERS

你的专业，加上我的连接。Your expertise. My connections.

一起服务同一位老板，Work together to serve the same business owners,
让彼此的资源更宽、更广。and broaden each other’s professional networks.

资金与交易Finance & transactions

贷款 · 法律 · 财税Financing · Legal · Accounting

银行贷款顾问、律师、会计师、企业秘书Bankers, mortgage advisers, lawyers, accountants and corporate secretaries

空间与经营Premises & operations

装修 · 冷气 · 清洁Renovation · Air-con · Cleaning

商业装修、冷气安装维修、清洁、物业管理Commercial renovation, air-con installation and maintenance, cleaning and property management

企业与传承Business & succession

咨询 · 生意买卖 · 接班Consulting · Business sales · Succession

企业顾问、政府项目投标顾问、生意买卖中介Business consultants, government tender advisers and business brokers

跨境与社群Cross-border & communities

出海 · 创业 · 家办Expansion · Entrepreneurship · Family offices

企业出海、创业移民、家族办公室服务、商会Overseas business expansion, entrepreneurial migration, family office services and business associations

04 / BNI 1–2–1 WORKSHEET

一次好的一对一，
从真正了解彼此开始。A meaningful 1-to-1 starts with understanding each other.

完整问答 · 点击展开Full Q&A · Click to expand

01我的产品与服务My products & services＋

从规划到成交，把每一步照顾好。Careful support at every step, from planning to completion.

我专注新加坡商业房地产，协助业主出售、出租物业，为企业寻找合适的营业空间，也帮助投资者筛选商业房产。先了解财务情况、经营需要和投资目标，再分析预算、贷款、现金流、物业选择及退出安排；按需要对接律师、贷款及装修等专业资源。I focus on Singapore commercial property, helping owners sell and lease, businesses find suitable premises, and investors assess property opportunities. I first understand their finances, business needs and investment goals, then review budget, financing, cash flow, property options and exit plans. Where needed, I connect clients with legal, financing and renovation professionals.

02我的优势与特点My strengths & differences＋

细致分析 × 中文客户资源 × 视频曝光Detailed analysis × Chinese-speaking network × Video visibility

先了解客户为什么买、能够负担多少，再筛选物业。我持续制作房产视频，接触较多中国客户与新移民群体；团队中也有不少新移民背景的经纪，连接不同的华人客户圈。需要时，我会把客户与合适的专业人士连接起来。I start with why the client wants to buy and what they can afford before shortlisting properties. Through regular property videos, I connect with many Chinese clients and new immigrants. Our team also includes agents with new immigrant backgrounds, extending our reach across Chinese-speaking communities. I connect clients with relevant specialists when needed.

03我的目标客户My target clients＋

业主、需要调整空间的企业主、投资者。Property owners, businesses adjusting their space, and investors.

重点是有商业物业要出售或出租的老板，尤其是准备退休、下一代不接班，希望将自用物业或整栋楼变现的业主。也服务需要扩充空间、卖小换大的企业，以及愿意先分析预算和现金流的投资者。手上有十多万新币以上可动用资金，也可以先交流；是否适合买入，需结合贷款能力和整体交易成本判断。My priority is business owners with commercial property to sell or lease, especially those retiring without a successor and looking to sell their own-use premises or an entire building. I also help businesses expand or upgrade, and investors willing to assess budgets and cash flow first. People with over S$100,000 in available funds are welcome to start a conversation; suitability depends on financing capacity and total transaction costs.

04适合合作的专业伙伴Suitable professional partners＋

共同服务企业主，互相补足专业。Complementary expertise for the same business owners.

银行贷款顾问、律师、会计师、企业秘书；商业装修、冷气、清洁和物业管理服务商；企业咨询、政府项目投标顾问；生意买卖、并购及接班规划顾问；服务中国企业出海、创业移民和家族办公室客户的专业团队。Bankers, mortgage advisers, lawyers, accountants and corporate secretaries; commercial renovation, air-con, cleaning and property management providers; business and government tender consultants; business brokers and succession advisers; and professionals supporting Chinese companies expanding overseas, entrepreneurial migration and family office clients.

05怎样向客户介绍我How to introduce me to clients＋

一句话，让对的人想到我。A simple line to connect the right people.

“我认识神猫Cai Shen，她专注新加坡商业房地产。你如果有店铺要卖、要出租，或者公司需要换更大的地方，我可以介绍你们认识。”“I know Cai Shen, who focuses on Singapore commercial property. If you have a shop to sell or lease, or your business needs larger premises, I’d be happy to introduce you.”

06怎样邀请专业伙伴合作How to introduce potential partners＋

你的客户需要空间，我的客户需要专业。Your clients need space. My clients need your expertise.

“你服务的企业主，可能会遇到扩充空间、出售物业或退休变现的需要。Cai Shen专注商业房地产，也接触较多中国客户和新移民群体。你们可以认识，看看怎样一起服务客户、互相引荐。”“Your business clients may need larger premises, want to sell a property, or be planning retirement. Cai Shen focuses on commercial property and connects with many Chinese clients and new immigrants. You could meet to explore how to serve clients together and exchange referrals.”

07客户常说的困扰Problems clients often mention＋

听见这些话，就是交流的好时机。These comments can signal a good time to connect.

“我要退休，孩子不接班，店铺也想卖掉。”“这栋楼以前自己用，现在想变现。”“地方不够用，想换大的。”“店铺空着，想找租客。”“我怕买错，资金被套很多年。”“买了以后，租不出去怎么办？”“I’m retiring, my children won’t take over, and I want to sell the shop.” “We used this building ourselves; now we want to sell.” “We need more space.” “The unit is vacant and needs a tenant.” “I’m afraid of buying the wrong property and tying up my money.” “What if I can’t find a tenant?”

08我最希望得到的引荐The referrals I most want＋

有商业物业想出售、想出租的老板。Owners with commercial property to sell or lease.

优先认识准备退休的业主、持有整栋物业想变现的老板、有空置商业物业的业主，以及需要卖小换大的企业主。引荐时，若能先了解物业在哪里、想卖还是想租、原因和大概时间，会更方便跟进；不需要伙伴先替客户判断价格。I would especially like to meet owners planning retirement, owners selling an entire building, owners of vacant commercial property, and businesses upgrading from smaller premises. It helps to know the location, whether they want to sell or lease, their reason and approximate timing. Referral partners do not need to assess the price first.

09目前不重点承接的引荐Referrals outside my current focus＋

先对齐需求，让彼此的时间更有价值。Align expectations and make good use of everyone’s time.

出租房间、分租很小的办公室；月租三四千新币以内且明确不接受支付适用佣金的租赁需求；暂时没有预算、用途或方向，也不愿先梳理需求的个案。更适合我的，是有实际需求，愿意沟通预算、决策方向和服务安排的客户。Room rentals and very small office sublets; rentals below about S$3,000–4,000 per month where the client will not pay applicable commission; and enquiries without a budget, intended use or direction where the client is not yet willing to clarify their needs. I am best placed to help clients with genuine needs who are willing to discuss budget, decisions and service arrangements.

10可以为我打开的渠道Other doors you could open＋

走进企业主与资产持有人的圈子。Connections with business owners and property asset holders.

商会、企业家社群、行业协会，以及服务中国企业出海、创业移民和家族办公室客户的机构。生意买卖、企业接班和退休规划也是合作入口，因为这些变化往往同时涉及物业出售、出租或空间调整。Business associations, entrepreneur communities and industry groups, as well as firms serving Chinese companies expanding overseas, entrepreneurial migration and family office clients. Business sales, succession and retirement planning are also useful entry points, as these changes often involve selling, leasing or adjusting premises.

11遇到客户异议时怎么说How to respond to objections＋

先理解顾虑，再把选择讲清楚。Understand the concern before explaining the options.

“我理解，你现在最担心的是买错、租不出去，还是资金安排？我可以介绍Cai Shen先和你聊聊，把情况和选择梳理清楚，再由你决定。” 不急于说服；先了解认知和顾虑，再讨论用途、预算、潜在租客、持有成本和退出安排。“I understand. Are you most concerned about buying the wrong property, finding tenants, or arranging the funds? I can introduce you to Cai Shen to clarify the situation and options before you decide.” Rather than pushing for a decision, first understand the concern, then discuss intended use, budget, potential tenants, holding costs and exit plans.

12怎样成为更好的引荐伙伴Building a stronger referral partnership＋

让彼此的资源，更宽、更广。Broaden each other’s networks and resources.

先了解你的理想客户、服务优势与引荐信号，互相分享案例。收到引荐后，我会及时跟进，并在客户同意和适当范围内反馈进展。我也愿意把身边和背后的专业资源连接给你，帮助你服务更多客户。Let’s understand each other’s ideal clients, strengths and referral signals, and share practical cases. I will follow up promptly on introductions and provide appropriate updates with the client’s consent. I am also happy to connect you with my professional network to help you serve more clients.

05 / 从认识，到长期伙伴05 / LASTING PARTNERSHIPS

这一次交流，
只是合作的开始。This conversation is just the beginning.

我愿意把身边和背后的资源连接给你，I’m happy to share the professional resources around me,
也希望更了解你的理想客户和专业优势。and would love to understand your ideal clients and strengths.

短期 · 未来一个月Short term · The next month

记住彼此，留意一个机会。Remember each other. Look out for one opportunity.

了解对方的理想客户与引荐信号，各自留意一位合适的客户或合作伙伴。Understand each other’s ideal clients and referral signals, and each look out for one suitable client or professional partner to introduce.

长期 · 持续双向引荐Long term · Two-way referrals

一起服务客户，建立信任。Serve clients together. Build trust over time.

在企业经营、物业配置和退休变现的不同阶段，为客户连接所需的专业资源。Connect clients with the expertise they need through business operations, property decisions and retirement planning.

下一次 · 建议四至六周后Next meeting · In four to six weeks

带一个实际案例，再聊深一点。Bring a real case and explore it together.

例如：老板准备退休，如何处理原来自用的商业物业？具体日期由双方另行约定。For example: how can an owner handle their own-use commercial property when retiring? Agree on a meeting date together.

先算一笔账START WITH THE NUMBERS

100 万的商业房产，
需要准备多少现金？A S$1 million commercial property.
How much cash would you need?

调整下方数字，立即看首付和月供。
以下为可调整的融资情景，并非银行报价或贷款承诺。Adjust the figures to estimate your down payment and instalment.
This is a financing scenario, not a bank offer or loan approval.

首付现金Cash down paymentS$100,000
预计每月还款Estimated monthly instalmentS$3,237等额本息 · 假设利率全期不变Principal & interest · Assumes an unchanged rate throughout
贷款金额Loan amountS$900,000
买方印花税 BSDBuyer’s Stamp DutyS$24,600
GST（如适用）GST (if applicable)—
另填费用Additional costs enteredS$0
现金小计（含上列已计费用）Cash subtotal (items included above)S$124,600

未含未确认的 GST 及未填写的其他费用。Excludes unconfirmed GST and any other costs not entered.

补充税费与估值（选填）Additional costs & valuation (optional)＋

仅适用于纯非住宅商业物业。本息月供不含管理费、房产税、保险和维修。实际可贷比例、利率及年限须经银行审批；首付按售价减模拟贷款计算。GST 是否适用需核实交易；如选择计入，按全额 GST 先行预留，未扣除任何可能的进项税抵扣。For wholly non-residential commercial property only. Monthly instalments exclude management fees, property tax, insurance and maintenance. Actual financing is subject to bank approval; the down payment is price minus the simulated loan. Confirm GST treatment for the transaction. If selected, full GST is reserved upfront with no assumed input-tax recovery.

税率核对：2026年10月21日 · Tax rates checked: 21 October 2026 · IRAS BSD ↗ · IRAS GST ↗

让我们连接起来LET’S CONNECT

或许你不知道，
你其实可以拥有一个房产。Perhaps you haven’t realised:
owning a property could be within reach.

WhatsApp 联系Cai Shen ↗Contact Cai Shen on WhatsApp ↗

神猫Cai Shen · 新加坡商业房地产Cai Shen · Singapore Commercial Property