DEAR FIRST TIME BUYERS,
Executive Condominium (EC)?
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
Is HDB BTO the best choice for all young couples?
Am I missing out if I don't go for BTO?
Why do most Singaporeans choose to buy a HDB first?
HDB Grant is an entitlement to Singaporeans. Is it worth it to take the grant?
Should I be looking at HDB, EC or Condo? What is the difference? Which is better for me?
Should we buy Resale or New Launch? How do we determine which?
Freehold is better? Is this correct?
I want to go for a Condo and I don't want to overstretch. Will I be tied down by the loan?
Can I really afford a Condo?
If I buy a Condo now, can I still buy a HDB in the future?
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:
Bought a 4-room BTO in Punggol @ Treelodge for $258K
BTO Price $258K
+ $50K Renovation
+ $25K Furniture
Sold their house at $468K, Upgraded to a 3-bedroom Condo
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:
Bought a young 4-room Resale HDB in Fernvale Lane for $400K, Took $50K first-timer grant
Resale Price $350K (After Grant)
+ $60K Renovation
+ $25K Furniture
Total Cost: $435K
Sold their house at $400K, Need to use their own savings to upgrade
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
Huge Capital Upfront
Loan (Income related)
Lack of Knowledge
No Network to get Good Deals
Uncertain of Market Conditions
DON'T MAKE THE MISTAKE THAT MANY OTHERS HAVE MADE IN THEIR FIRST PROPERTY
Why are my clients taking action?
Clear of their Financial Status
Understood the Risk Factors
Understood the OPM Method
Clear mind as they want their first property to be making money for them
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...
A 3-step process to do in-depth financial calculations which will include additional costs like legal fees, cash outlay, stamp duty, etc.
A SIMPLE yet EFFECTIVE home-ownership progression plan - with 3 PRECISE steps to accumulate wealth earlier
A far-sighted “roadmap” that will allow you to retire comfortably
The 3 ways to analyse the available options in the property market and determine the best choice that is SAFEST for you
A simple in-depth financial calculation to recognise your financial standing
The TOP 4 questions you MUST ask before buying any property. These questions are based on insights from REAL LIFE cases!