DEAR HDB OWNERS, MANY OF YOUR NEIGHBOURS
HAVE CAPITALIZED ON THEIR HDB TO ACHIEVE* :

(1) Staying in a more central Condo & simultaneously having surplus funds to set up a Child’s Overseas University Education / Travel & Lifestyle/ Emergency Funds Account

(2) Upgrading to enjoy a Condo Lifestyle for their family with little to zero cash top up !

(3) Passive Rental Income of up to $3,600 per month

* All above situations have actual transactions proof done by me to back it up and can be shown during our meet-ups.

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Case Study 1

How a Young Couple capitalize on their BTO to enable their children to enter a Top Primary School in Bukit Timah & generate Passive Rental Income of up to $3,600 per month!

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Profile/Situation

Sheryl & Keith, mid 30s with 2 young girls in their first BTO in Punggol for 6 years.

Desire

  1. To move nearer to Central Singapore and into a condominium so that the 2 young girls can enjoy the condominium facilities.
  2. Hope to enrol both girls into one of the Top ( girls ) Primary school at Bukit Timah area but they feel that the private properties there are out of their budget.

Current Problem

  1. Large amount of Additional Buyer Stamp Duty for the second property in Bukit Timah area.
  2. Limitation on CPF Usage for second property.
  3. Only able to get a bank loan of 45% instead of 75%. = Additional cash outlay of $300,000 is required.

Outcome

  1. Entire family is happily staying in a Bukit Timah condominium with full condo facilities for the young girls to enjoy.
  2. Parents commute to work is reduced from the previous 60 minutes to 20 minutes now.
  3. Started two investment properties to start saving for their girls overseas university school fees ( estimated to be $100k SGD per year in 15 years time)
  4. Investment Property is undervalued as neighbor subsequently bought their unit at $68,000 more. [ pls leave space to insert a graph table in later ]
  5. Waiting to collect Passive Rental Income up to $3,600 to help offset their monthly expenses.

Case Study 2

How a Young Couple upgraded to a Central Condo without using any of their savings & only pays $700 per month for monthly instalments.

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Profile/Situation

Mark and Yen, mid 30s in their first BTO for 4 years.

Desire

  1. To enjoy more capital gains appreciation from a private property.

Current Problem

  1. Parents objections that recession is coming and it is too risky to own a private property above $1 million.
  2. Large amount of Additional Buyer Stamp Duty required for the second property.
  3. Limitation on CPF Usage for second property.
  4. Only able to get a bank loan of 45% instead of 75%. = Additional cash outlay of $200,000 is required.

Outcome

  1. Capitalized on BTO to immediately create an Emergency Fund/ Travel & Lifestyle Savings Account of more than $100,000
  2. Only paying $700 per month for the upgrade into the Central Condo.
  3. Did not have to pay Additional Buyer Stamp Duty
  4. Got a full bank loan of 75% amount.

Do you have these concerns?

Do not think you have enough cash outlay to do the upgrade nor do you think you can afford the monthly mortgages for the private properties?

Simply do not know where and how to start capitalising on your HDB to enhance your financial situation?

You are not alone! Many of my clients, earning  a $7-$8k monthly salary had similar concerns and doubts too. However, with meticulous financial planning and a step by step and safe strategy, they have done the upgrade comfortably and are clearer than before on their financial goals.

Schedule a Free HDB Portfolio Review Today!