Asset Progression

Many HDB Owners Have Wondered How Is It Possible To Upgrade To A Condo Without Cash Outlay From Their Pockets? 
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Do You Know That With An Income of Only $7,000, You Can Do It Too!
SHOW ME HOW!
Do You Desire...? 
  • Upgrading to a condo and improving your lifestyle...?
  • Owning 2 properties someday and getting a monthly passive income...?
  • Building a pool of reserve funds for rainy days and holiday trips...?
With strategic financial planning and applying the right Asset Progression formula, you can do it too! All these without stretching your finances! 

But perhaps let me share why more and more HDB Upgraders are doing that now... 
Private Properties Price Index
HDB Resale Price Index
Take a look at the graphs above ⬆️⬆️⬆️

Property Prices Had Appreciated Multi-fold In The Last 20 Years
However, there was a strange phenomenon since 2012, private properties continued its upwards trend, while HDB resale prices slipped and spiralled downwards instead.  
WHY? 
A very simple reason. Singapore's land supply is scarce, and the supply is not sufficient to meet Singapore's growing population to 6.9 million by 2030. HDB homes however, they are controlled by the local government, suppressing the prices so that it continues to remain affordable to the local citizens. 
Singapore Resident Households by Type of Dwelling
Source: singstat.gov.sg
The number of Singapore resident population in HDB flats currently stands at 78.7% in 2019, a drastic drop from 82% in 2016. This represents a change of 188,100 local residents switching from HDBs to private properties, or 59,525 displaced households (based on an average family size of 3.16), within the last 3 years. Amazing, isn't it? 
Many HDB Owners have LOTS of WORRIES when it comes to UPGRADING...
  • How much money do I need for upgrading? 
  • Am I able to afford?
  • How to start and What's the process?
  • The economy is uncertain, it is too risky.
  • My HDB is fully-paid. I am debt-free, why must I take another loan? 
DO YOU WANT TO STEP OUT OF YOUR COMFORT ZONE? 
Be that one step closer to satisfy your property dreams now!

 TAKE ACTION NOW FOR A FINANCIALLY FREE FUTURE.

Fill up the form below to get in touch for a completely FREE and NON-OBLIGATORY sharing session TODAY.
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WHAT YOU WILL EXPECT (Fully FOC):
  1. A detailed Financial Assessment to understand your financial position 
  2. A 4-step Financial Calculation Report with detailed descriptions
  3. A Safe & Achievable Asset Progression Roadmap 
  4. The 3 factors you need to know to determine the Right Property 
  5. The ways to achieve the ultimate goal to Retire with Fully-Paid Properties
  6. Real Insights & Results from actual cases
CASE STUDY 1
Bernard (age 40) and Stephanie (age 37), were owners of a 4-room HDB flat. Together with their 3 kids, their intial plan was to sell their HDB and upgrade to an Executive Apartment (EA). 

They contacted me through a referral from their friend. After some meticulous and detailed financial calculations, they learnt a better way to grow their wealth.

They have since upgraded to a 4-bedroom condominium without using any of their savings, and even have a cash reserve of $125,000! With a clear asset progression roadmap planned for them, they are on the way to invest in another investment property. 
CASE STUDY 2
Victor (age 32) and Jen (age 32) tasked me to sell their current 4-room HDB MOP flat. They have a combined income of $11,000.

Their plan was to upgrade to a resale Executive Condominium (EC).  

After a presentation to Victor and Jen, they are now proud owners of a 3-bedroom condominium and invested in a 1-bedroom condominium for investment. At the same time, they have a cash reserve of $60,000, while receiving passive rental income from their 1-bedroom condominium.
ASSET PROGRESSION. UPGRADING TO THE RIGHT PROPERTY. IT MATTERS.
  • Build a robust Safety Net for retirement
  • Create a steady Passive Income with little or no financial commitment
  • Achieve Financial Freedom for you and your loved ones
  • Build your Property Portfolio through rock-solid property investment plans
  • Leave a Lasting Legacy for your loved ones
SATISFIED ASSET PROGRESSION CLIENTS
DO YOU AGREE WITH ME? 
IT IS IMPORTANT TO SELECT THE RIGHT REALTOR TO HELP YOU MAKE ONE OF LIFE'S BIGGEST DECISION. 

If You've Bought Your HDB Before 2016, Let's Get In Touch For A FREE & NON-OBLIGATORY Discussion Today.
I've a strategy for you to Upgrade to a Condo, and Set Aside Extra Funds for savings! 
(Only 2 Slots Daily!)
 
Be Like Many Of My Clients, Who Have Benefitted From Asset Progression, Being Happy Owners Of Multiple Properties!
FILL UP THE FORM BELOW & LET ME SHOW YOU HOW IT'S DONE!

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PLUS! Bonus Information! 

Using CPF in your Home Will Affect Your Retirement 
Why it is NOT wise to use CPF for your monthly mortgages
"the purchase of your dream home should not come at the expense of your retirement"
Here's 2 Reasons Why You Should Not Use CPF to pay for your monthly mortgages
1. Using CPF for your home means a lower savings in the future
Like it or not, CPF monies are meant to be for your retirement savings. By using your CPF monies to purchase your dream home, you might be losing up to 5% (minimum 2.5%) of compounding interest on your CPF monies
2. CPF needs to be returned when you sell your flat*
When you sell your flat before 55*, you will need to return all the monies used from your CPF-OA account, including accrued interest. This will erode your profits, or worse still, it may lead to a negative sale for some. 
Retirement vs. Dream Home - Both Are Important

Having a place to call home is important. Being able to retire financially free is equally important. 

In the first place, home ownership might not be possible without CPF. Don't fret over these two important matters. 
Let A Professional Like Me Help You

Your LAST CHANCE to register! Fill up the form below to get in touch for a completely FREE and NON-OBLIGATORY sharing session TODAY.
(Limited Slots Available!)

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