top of page
DEAR HDB OWNERS,
YOU CAN NOW UPGRADE TO A CONDO
WITHOUT PAYING EXTRA CASH FROM
YOUR OWN POCKET TOO!!!
Many HDB Owners have a lot of worries when it comes to UPGRADING.
Do you know that if you have a combined income of $8K onwards, and bought your HDB for more than 5 years,
with in-depth financial planning and our simple yet effective
step-by-step Home Progression Strategy,
YOU CAN POTENTIALLY...
1. Upgrade to a Condo
WITH NO CASH TOP UP
2. Own 2 properties and create PASSIVE INCOME
PLUS having a RESERVE FUND of up to $100k for "rainy days"
MANY OF OUR CLIENTS HAVE DONE THAT. DO YOU WANT TO BE LIKE THEM?
Not only that, you can also work out your own property investment roadmap for the next 5 to 10 years!
HDB owners who bought their HDB before 2013 and with a household income of $8,000 or more are now much closer to achieving their property goals...
YOU TOO CAN REALISE YOUR DREAM LIKE THEM!
LET'S MEET FOR A FREE DISCUSSION TODAY!
CASE STUDY #1 - DAVID, AGED 45, INCOME $8,000
When David, aged 49 with an income of slightly more than $8000 first approached us, his intention was to sell off his 35 years old 4-room HDB flat at Tampines and upgrade to a younger and bigger HDB in Sengkang to live closer to his family. David sees himself retiring in 3 to 5 years’ time. He wanted to eventually retire by either downgrading to a 3-room HDB as his last property move or renting out rooms to get rental income.
David had already fully paid his Tampines 4-room HDB more than 5 years ago, and do not want to burden himself with additional mortgage loan as he just bought a new car and is servicing his car loan. Even though Tampines is a prime location with mega malls, interchanges and amenities, David has seen his 4-room HDB flat prices fall throughout the years as the flat gets older. He knew that he has to move on to a newer flat otherwise he will not have any profit. After doing in-depth financial calculations for David, he was shocked to know that his CPF accrued interest is still growing yearly on a compounding basis even though he has fully paid off his HDB many years ago!
We shared with David the importance of changing to a right home, and how the right property can help him achieve his goals of early retirement instead of just being a hard-saver. After our step-by-step home asset progression strategy, David is now a happy and proud Condo owner! Not only did David achieve his objective of staying close to his family members, he also fulfilled his wish to give his mother, sisters and nieces an upgrade in lifestyle. And the best part is, with the reserved funds we have set aside for David, he does not need to top up any cash payments for his monthly mortgage instalments for the next 6.5 years even with his existing car loan!
Through the use of in-depth financial calculation and strategic planning, David learnt how to maximise the usage of CPF and INCREASE CASH returns from his property.
Today, David is now looking at retiring eventually with a FULLY PAID HDB in years to come after cashing out from his condo!
CASE STUDY #2 - FAITH & JIMMY
EARLY 40s, COMBINED INCOME $11,OOO
Faith and Jimmy, both early 40s with a combined income of $11,000, approached us to find out their options if they were to upgrade from their HDB Executive Apartment (EA) in Punggol. They wanted to know if they can upgrade to a condominium comfortably without any stress financially, and can they eventually plan to own a second investment property. They have been staying in their current HDB flat for 15 years, and still have an outstanding mortgage loan.
After doing their sums, Faith and Jimmy were shocked! They said that 5 years ago, they were thinking about upgrading to Condo but decided not to because they wanted to wait for the prices to increase before selling so that they can have better profits. Now, 5 years later, not only did their sale price dropped, their profit decreased by a lot too because of CPF accrued interest.
After understanding their home requirement needs, we went ahead to plan for them towards owning 2 properties safely, without any financial stress and still maintaining their current lifestyle.
Today, Faith and Jimmy are proud owners of 2 properties! They first upgraded to a 3-Bedroom New Condo for ownstay.
3 months later, Faith and Jimmy got their second 1-Bedroom Condo for Investment.
Furthermore, they now have a proper asset progression plan to grow their wealth in a safe yet effective manner.
SHOULD I UPGRADE IF MY HDB IS ALMOST FULLY PAID OFF?
Like most HDB Owners today, you could be servicing your HDB loan using your CPF.
You might also be thinking that it only makes sense to use your CPF funds to pay for your monthly instalments to lessen your monthly expenses.
However, without the right CPF usage strategy, you could be affecting your financial future in the next 5 to 10 years!
LOCKING AWAY A HUGE PORTION OF YOUR CPF FUNDS IN YOUR HDB COULD DEPLETE YOUR WEALTH!
WHAT DOES IT ACTUALLY MEAN?
Let's assume you have $200,000 worth of CPF funds.
Every year you earn a CPF interest rate of 2.5% and one day you decide to use this CPF fund of $200,000 to pay for your house.
This means that...
Your CPF fund of $200,000 will STOP earning interest
And you will have to pay back the $200,000 PLUS the interest that you were supposed to earn.
According to a CPF interest rate of 2.5%,
$200,000 will be worth about $328,000 in 20 years.
TOTAL INTEREST LOSS = $128,000!!!
DEAR HDB OWNERS!
A GREAT OPPORTUNITY IS HERE RIGHT NOW!
Many assume that certain types of property are beyond their reach due to their current income.
They are limiting themselves unknowingly; for there are different ways to overcome every obstacle.
Do you want to miss your chance and regret when you look back on your lives 5 to 10 years down the road?
WITH A STEP-BY-STEP ACTION PLAN AND THE TRIED AND TESTED HOME PROGRESSION STRATEGIES, YOU CAN:
Build an extra flow of income without risking your hard-earned money on unpredictable investments
Generate passive income consistently every month with little effort and time by using a systematic plan
Achieve your financial life goals sooner with a simple step by step progression strategy that is easy to follow
Select high potential upside property which is undervalued so that you can lower your risk and profit with my "buy low sell high" method
LET US CLARIFY ALL YOUR DOUBTS DURING OUR 1 TO 1 DISCUSSION!
After all, the discussions are completely free and non-obligatory.
Nobody wants to regret when they look back on their lives 5 to 10 years down the road. Seize this opportunity now and you can achieve your life goals by having the right property or even properties!
DURING THE NON-OBLIGATORY & FREE CONSULTATION, WE WILL ALSO GIVE YOU:
A simple “calculation” method to recognise your financial standing
A 4-step process to do in-depth financial calculations which will include additional costs like legal fees, cash outlay, stamp duty, etc
The 3 ways to analyse the available options in the property market and determine the best choice that is suitable for you
A SIMPLE yet EFFECTIVE CPF Usage plan - with 4 PRECISE steps to accumulate wealth earlier
A far-sighted “roadmap” that will allow you to retire comfortably
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.
Hi, I am Yvonne Lai!
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!
If you want the right advice and in-depth planning in regards to real estate ownership,
DON'T HESITATE TO MAKE AN APPOINTMENT WITH ME TODAY!
I am very sure after the sharing session, you will walk away with a lot of insightful takeaways that will be helpful to you to kickstart your journey! Keep in mind that the sharing session has no obligations and it is completely free. I just want the best for you!
bottom of page