MANY HDB HOMEOWNERS THOUGHT THAT...
It is easy to think this way, but before we jump into conclusion, let us check out real-life case studies on how ORDINARY families like you managed to upgrade to a private property!
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They will incur a hefty monthly mortgage loan, leaving them with no spare cash!
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Upgrading is only for the rich, not for the average Singaporean.
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If they upgrade, all of their hard-earned savings will be wiped out!
CASE STUDY 1
James and Jasmine with a combined income of $15K owned a 4 room HDB flat in central region.
Through a sharing session, I recognised their objectives and financial standing before devising an upgrading strategy for them.
They managed to upgrade to a good-sized 3 bedder in the central region.
They even managed to invest in a 1 bedder condominium for passive income and their legacy planning.
CASE STUDY 2
Shawn and Val planned to move to a HDB resale and had engaged several agents to sell their flat, but was not met with success.
After engaging Eric for his service, their flat was sold within a month.
Eric then did a detailed financial calculation, advising them on the possibility to upgrade to a resale condo with their HDB profits.
They took his advice and this not only improved their lifestyle with the abundance of condo facilities, but is also part of their retirement plan.
SOME OF YOU MIGHT ASK:
Should I even upgrade when I have Almost Fully Paid-Off My HDB?
I am almost debt-free, is it wise to upgrade?
The 2.5% interest you could have earned if you have left it in your CPF!
The 2.5% accrued interest to pay back when you eventually sell your flat!
With all or most of your CPF trapped in your HDB, you are losing:
That is an easy 5% OPPORTUNITY COST you are losing each and every year! Which means for every $200K locked up in your property, you would have LOST $53,200 of your money in just a matter of 5 years!
Moreover, have you realised how HDB flats and Private Properties are performing?
PRICE TREND REVEALED!
HDB FLAT'S
HDB FLAT:
0.98% Y-O-Y GROWTH!
PRIVATE PROPERTIES
PRIVATE PROPERTIES:
4.63% Y-O-Y GROWTH!
AREN'T YOU SURPRISE TO KNOW THAT YOUR FLAT IS LOSING VALUE* THE LONGER YOU HOLD ON TO IT?
A WIDENING GAP between HDB Flats & Private Properties has also been observed. This means that it will become increasingly difficult to UPGRADE WITH $0 CASH in the near future!
*against Singapore’s yearly average inflation is 2.1% & CPF Accrued Interest is 2.5%
Find Out How You Can Leverage On Your HDB Flat And Avoid Being Stuck With A Depreciating Asset Today!
Receive the following in a non-obligatory session:
A detailed financial calculation to understand your financial standing.
A meticulous explanation & 4-step calculation of related costs involved such as cash outlay.
How you can achieve huge potential upside with real life case studies!
An achievable Wealth Creation Plan to help you to unlock funds for emergencies.
A far-sighted roadmap that will allow you to retire earlier and more comfortably.
WHAT CAN YOU ACHIEVE WITH A PROVEN STRATEGY AND FULLY GUIDED ACTION PLAN?
your asset portfolio through stable property investment plans
passive income with minimal to zero extra financial commitment
healthy amount of cash reserve funds for rainy days
you and your loved ones to financial freedom
early with a secure financial safety net
GROW
GENERATE
MAINTAIN
ELEVATE
RETIRE