
DEAR FIRST TIME BUYERS,
BTO?
Resale HDB?
Executive Condominium (EC)?
Private Condo?
Are you having many thoughts but unsure
WHICH OPTION IS THE BEST FOR YOU?
AFTERALL, THIS IS YOUR FIRST BIGGEST PURCHASE IN YOUR LIFE AND WILL BE YOUR DETERMINING FACTOR TO HOW EASY YOU CAN UPGRADE / RETIRE IN THE FUTURE!
It is important to make the right choice.
So that your first property can be your
STEPPING STONE to your next house.

Many First Time Buyers have a lot of thoughts when it comes to deciding what should their first property be.
Have you ever seen some people fast track and yet some have to go one big round?
So why is it that some people of the same age and same income level can have such different outcomes, where one can own 2 properties and yet another one ended with 1 property throughout his lifetime?

With proper planning and risk assessment done correctly, owning the right FIRST property can help you build a FINANCIALLY SECURE FUTURE!
Common questions every first time buyers will have
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Is HDB BTO the best choice for all young couples?
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Am I missing out if I don't go for BTO?
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Why do most Singaporeans choose to buy a HDB first?
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HDB Grant is an entitlement to Singaporeans. Is it worth it to take the grant?
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Should I be looking at HDB, EC or Condo? What is the difference? Which is better for me?
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Should we buy Resale or New Launch? How do we determine which?
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Freehold is better? Is this correct?
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I want to go for a Condo and I don't want to overstretch. Will I be tied down by the loan?
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Can I really afford a Condo?
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If I buy a Condo now, can I still buy a HDB in the future?
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How to spot good properties and can I make money?
LET ME SHOW YOU SOME REAL LIFE CASE STUDIES OF THE CLIENTS I HAVE MET
BTO VS. RESALE HDB
Couple 1 bought a BTO:
2011:
Bought a 4-room BTO in Punggol @ Treelodge for $258K

Pricing Breakdown:
BTO Price $258K
+ $50K Renovation
+ $25K Furniture
2019:
Sold their house at $468K, Upgraded to a 3-bedroom Condo

Pricing Breakdown:
Selling Price $468K
- $40K CPF Accrued Interest
Total Cost: $333K
Final Price: $428K
Couple 1 have wasted 8 years of their time before they can finally make their second move!
Couple 2 bought a Resale HDB:
2014:
Bought a young 4-room Resale HDB in Fernvale Lane for $400K, Took $50K first-timer grant

Pricing Breakdown:
Resale Price $350K (After Grant)
+ $60K Renovation
+ $25K Furniture
Total Cost: $435K
2019:
Sold their house at $400K, Need to use their own savings to upgrade

Pricing Breakdown:
Selling Price: 400K
- 40K CPF Accrued Interest
Final Price: $360K
LOSS of $75K over 5 years
Couple 2 sold their flat at valuation after reaching their 5 years MOP with no cash proceeds.
3 Years to Build + 5 Year MOP
+ $95,000 over 8 years
Meaning, your BTO is only making:
$11,875 / year
$989 / month


Contact me for a FREE & NON-OBLIGATORY First Time Buyer Consultation and find out what is your best option!
That is why your first purchase is very important
because it will set your foundation right so that your next step will be smoother and easier.

6 Major Obstacles in Property Purchases
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Huge Capital Upfront
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Loan (Income related)
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Lack of Knowledge
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No Network to get Good Deals
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Uncertain of Market Conditions
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High Risk

DON'T MAKE THE MISTAKE THAT MANY OTHERS HAVE MADE IN THEIR FIRST PROPERTY

Why are my clients taking action?
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Clear of their Financial Status
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Understood the Risk Factors
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Understood the OPM Method
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Clear mind as they want their first property to be making money for them
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Understood that first property is an important stepping stone to buy their future dream home

WITH THE RIGHT PLANNING & STRATEGIES, AND A DETAILED RISK ASSESSMENT, MANY FIRST TIME BUYERS HAVE DONE IT!


I have successfully advised many First Time buyers and assisted them to secure their first property for ownstay / investment purposes.
(BTO/ SBF/ Resale HDB/ EC/ Private Condo)
Even if you are not ready to commit now, this is actually the best time for you to learn more about your options before you commit to the biggest purchase in your lives!
Take out just one hour of your time, and let me share with you on how you can also achieve this. I am 100% certain that you will have a lot of takeaways from my sharing. Don’t just work to pay off your property; let your property work for you!
Moreover, the sharing sessions are completely FREE & NON-OBLIGATORY so don't wait any longer.
During our sharing session, I will share with you...

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A 3-step process to do in-depth financial calculations which will include additional costs like legal fees, cash outlay, stamp duty, etc.
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A SIMPLE yet EFFECTIVE home-ownership progression plan - with 3 PRECISE steps to accumulate wealth earlier
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A far-sighted “roadmap” that will allow you to retire comfortably
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The 3 ways to analyse the available options in the property market and determine the best choice that is SAFEST for you
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A simple in-depth financial calculation to recognise your financial standing
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The TOP 4 questions you MUST ask before buying any property. These questions are based on insights from REAL LIFE cases!
Hi, I am Yvonne Lai!
Property is my passion and I enjoy helping my clients plan their property journey and search for their dream home and investment units! Throughout my years of experience in the Real Estate industry, I have seen how housing has become the most important asset planning in everyone's life as property is the most expensive investment in our lives! This is why I dedicate my time to assist all my clients to kickstart their property planning by sharing with them the Do's and Don'ts, helping them spot value buys, planning a long term 5 to 10 years plan for them and eventually manage their property portfolios so that they can grow their wealth by owning the right assets.

It is my goal and passion to share with all of you on the importance of growing one's wealth through strategic property planning, and why if you can, you definitely should you start early so that all my clients are well prepared to retire comfortably. I deal in mainly Residential Properties, both HDB and Condos, including Buying, Selling, and Renting. Most importantly, I provide a seamless one-stop service to help all my clients move houses smoothly, making sure the timeline matches, when they sell and buy another house, and most importantly ensuring their finances, are accounted for before they commit to the purchase.
If you would like to find out what your best options are and their pros and cons, you are looking at the right person. I will be sharing with you my unbias opinions after meeting up with you and understanding your situation and needs. After my thorough evaluation and our discussion, the decision is then yours to make on how you would like to kickstart your property journey. Then I will be there at every step of the way to guide you through!
Here are some of my Happy Clients-turned-friends!








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My Accolades


























If you want your First Property to be an Asset to you, and a Stepping Stone,
DON'T HESITATE TO MAKE AN APPOINTMENT WITH ME TODAY!
