ARE YOU WONDERING IF YOU SHOULD TO YOUR HDB FLAT?

Especially for HDB Owners Who Have Purchased Their HDB Flat Before 2015 and Have A Combined Household Income of More Than $7,000 A Month...

What Can I Expect From the Consultation?

HDB Market vs Private Residential Market Overview
Why Leasehold Properties Actually Appreciate Much Faster than Freehold?
6 Secret Property Funding Techniques
How to Leverage on Your HDB Flat to Upgrade to a Private Property?
Pros & Cons of a Oversupply in the Market?
Timing the Real Estate Cycle to Ensure That You Are Entering at the RIGHT Time!
Comparison of New Launches vs Resale Condominiums
Why Location is NOT King?
Dissecting the Real Estate Cycle
The Logical Way to Overcome the CPF Accrued Interest?
Blackout Period - "Recession Proofing" Your Property
Cooling Measures & the Government's Main Goal
3 Proven Ways to Mitigate Your Risk
Key Factors to a Property's Potential Upside
Guide to Identifying Undervalued Properties from Overpriced Ones
Unit Selection Secrets - Pool View or Non-Pool View?
Financial Literacy - How to Ensure that You are NOT Overstretching Your Finances

Due to overwhelming responses and in order to ensure that each and every client is able to receive my 100% attention, I am only able to extend the FREE Consultation to an Additional 10 Sign-Ups.

Days

Hours

Minutes

Seconds

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Perhaps You Are Thinking Of Moving Due To The Following Reasons:

In This Case, You Would Generally Have 3 Choices...

Which Do You Think Is The Riskiest Option?

Most of us will feel that upgrading to a private property has the highest risk due to the higher financial commitment. Not only is the cash outlay higher, but there is also the worry of having to top up cash for the monthly mortgage.

What if you were to lose your job? What if something unexpected happens and you are unable to service your monthly mortgage?

These are the exact same worries and concerns my customers had before they have met me. Fortunately, with a clear and concise assets progression plan, these issues can all be conquered very easily.

For most Singaporeans, our property makes up 70% to 90% of our Total Assets and is one of the keys to unlocking our retirement funds

In the article below, John, who wants to retire at 65 years old with $3,000 to spend each month will need to set aside a retirement fund of almost $1,150,000.

However, many would agree that $3,000 a month might seem a little too high and it really varies depending on a person’s lifestyle.

As such, let’s assume a $3,000 monthly expenses for a couple, which means $1,500 for you, and $1,500 for your spouse.

In fact, this is very close to the amount the current generation of retirees actually need as shown in the article below…

In Singapore, the Retirement Age is at 65 Years Old while the Life Expectancy is at 85 Years Old.

To put it simply, we should expect and want to live for at least 20 years after retiring.

If a couple were to spend $3,000 a month on their basic necessities such as food, transport, utilities, etc…

$3,000 x 20 years = $720,000

Even if we were to put inflation aside, in order for a couple to retire on just $3,000 a month, we will need to have at least $720,000.

Inflation is a very real thing that we can all agree on. A plate of Chicken Rice cost only $1.20 in the 1990s but has since tripled in price to $3.50 in 2012.

What do you think will be the “value” of $720,000 during your retirement age?

With A Proper Assets Progression Plan, You Can Start Building Your Wealth And Retire Comfortably...

Yes! I Want To Retire Without Worrying About Money!

Approaching retirement age, most homeowners will be looking to "down-size" to a smaller flat so as to cash out on their retirement.

Perhaps your children have already gotten married and you find that you no longer require such a big apartment.

In fact, our Minister for National Development, Lawrence Wong, is also advocating for Singaporeans to “right-size” their HDB flat so as to unlock their retirement funds.

Assuming that you are looking to downsize to a $350,000 3-Room HDB Flat from your existing property during your retirement age...

If you have gone with Option 1 and chose a Bigger HDB Flat...

You will be the owner of a $600,000 HDB Flat that is fully paid.

After downsizing to a $350,000 Flat, you will be left with $250,000 in cash proceeds.

Based on the monthly expenses of $3000 / month for a couple, it will last you for a maximum of 7 years.

But What If You Have Chosen Option 2 or 3 And Upgraded To A Private Property?

After downsizing from a $1,500,000 private property to a $350,000 flat, you will be left with a cash balance of $1,150,000!

Based on the monthly expenses of $3000 / month for a couple, it will last you for at least 32 years.

In fact, when you have an achievable and detailed asset progression strategy, you will even be able to generate your retirement funds without even having to downsize.

Your Action or Inaction Today is going to determine the value of the assets you have upon retirement!

Take the first step to creating the life your family deserve today!

Can Your HDB Flat Really Appreciate in Value and Allow You to Cash Out on Your Retirement Funds?

The key mission of the Housing and Development Board is to ensure that HDB flats are kept “affordable” for every Singaporean. This is actually a very good thing and one of the reasons why we have the lowest % of homeless compared to other countries.

In 2013, there was a growing concern over how the Cash-Over-Valuation (COV) levels were pushing resale prices beyond the reach of many Singaporeans.

Just a year later, the government intervened and got rid of the Cash-Over-Valuation from the public housing market sales process for good.

Since the removal of the Cash Over Valuation, the HDB Resale market has been on a downward spiral, thus accomplishing its goal of keeping hDB Flats "affordable"...

But just how bad is it?

The figures shown above are absolute figures which means that it does not include the Accrued Interest and the Interest on Loan. Adding these, how much more do you think these owners are actually losing?

But I Have Already Fully Paid Off My Property, Should I Still Consider Upgrading?

If you are like most Singaporeans, you are probably servicing your property loan using your CPF and believe that it is best to pay off the loan as soon as possible so that you can be debt-free.

However, this is an action that will affect your Future Retirement Plans!

We need to understand the difference between a good debt and a bad debt, and how we can leverage on good debt to grow our assets.

Without knowing how to utilize our CPF funds efficiently, your biggest asset may become your largest liability in the Future!

By using your CPF to pay for your property, you lose out on the 2.5% interest per annum that you could have earned if the funds were left untouched in your CPF account...

However, there is a much bigger problem that most property owners are not aware of…

When you sell off your property, you are required to refund the 2.5% that you could have earned if the funds were left untouched in your CPF account. This is known as the CPF Accrued Interest. In fact, your CPF Accrued Interest is still compounding even after you have fully paid off your property!

To put it simply, by locking all or most of your CPF in your property, you lose:

1. The 2.5% interest you could have earned by leaving your funds untouched.

2. The accrued interest of 2.5% that you eventually have to refund back into your CPF account after selling.

That is a total of 5% each year!

For a $400,000 property, your accrued interest after 25 years can be as high as $226,152! This means that you will have to sell off your property at $756,115 in order to break even!

WITHOUT EVEN HAVING ANY CASH PROCEEDS YET!

But is it even possible for a HDB Flat with just 60+ years remaining on its lease to be sold at $756,115? When BTO flats with brand new 99 lease would be going at a much lower pricing?

To add on, between 2011 to 2014, more than 97,400 BTO units were released.

Can you imagine the supply of Resale Units in the HDB Market when these flats reach their 5 Years Minimum Occupation Period?

So what should you do? How can you ensure that your CPF is working for you and not against you?

How Can You Prevent Your Accrued Interest From Affecting Your Financial Goals?

Perhaps you are wondering if you can really afford to Upgrade...

This is definitely a valid concern that most of my clients struggle with before meeting me.

Truth be told, as much as I want to assist my clients to create WEALTH through their property, there are still some rare cases where it cannot be done in a comfortable and risk-free manner.

In these cases, I DO NOT ENCOURAGE them to upgrade. Upgrading should not be stretching your finances which puts you at risk. There is no point to living in a condominium but having to live on bread every single day. The key about assets progression is to be able to do it with a peace of mind, within our means.

However, my advice is to not shortchange yourself and your loved ones by assuming that it’s not possible without first finding out. After all, I am providing you with a FREE Consultation.

There is nothing to lose if you are one of the rare few whom I cannot help. But what if you are one of the many who can build their wealth comfortably but do not seize the opportunity to do so?

Don't be trapped by your assumptions and limited beliefs...

Take the first step to creating the life your family deserve today!

The window of opportunity is right in front of you!

After the latest bout of cooling measures that were implemented in July 2018, Prices of the Private Residential Market have finally started to come down as we are seeing developers pricing their units more reasonably and sensitively to the market.

In fact, the real estate market has shifted from a Seller’s Market to a Buyer’s Market.

As a matter of fact, this was exactly what happened when the cooling measures first hit the real estate market in 2014! Just by entering after the cooling measures, a buyer saved more than $50,000 even when picking a unit on a higher floor!

Before Cooling Measures

Greedy?

VS

After Cooling Measures

Fearful?

Will the Private Residential Market spiral into a downward just like the HDB Resale Market?

Even with the implementation of the cooling measures in 2018, Morgan Stanley states that the Singapore Private Home Prices are still on track to double by 2030.

In fact, Our Minister for National Development, Lawrence Wong, has also qualified that the Government’s aim is not to bring prices down, but to steady the cycle and to stabilize the market so that prices can move broadly in line with income growth.

Based on the past property cycles, the longest downtrend ever recorded was during the dotcom crash & Sept 11 attacks which lasted for 35 months.

After purchasing a Private Residential Unit, you will be subjected to the Seller’s Stamp Duty if you choose to sell it off within 3 years. Since most property owners will not consider cashing out on their property within this 3 years period, this is what we call the “Blackout” period.

Which Trend Do You want to ride on? The Private Residential Market Uptrend or the HDB Market downtrend?

The best time to build your wealth with the lowest risk is when you are between 30 to 50 years old.

This is the age range where you qualify for a bigger repayment period which reduces your monthly mortgage and still have a stable career that will greatly reduce your risk.

Ask yourself this: “Would you prefer taking a loan when you are already more than 50 years old?”

If you choose not to take action and instead continue to wait for the “Right Time”, rest assured that the “Right Time” will never come.

Instead, these are the problems that you will be facing in the very near future…

1. Lesser Cash Proceeds due to the CPF Accrued Interest
2. Competition From New and Upcoming BTO Flats
3. Lower Loan Amount for Next Property
4. Shorter Loan Repayment Period
5. New Cooling Measures That May Be Making It Much More Difficult to Upgrade!

With the Introduction of the Total Debt Servicing Ratio (TDSR) in 2014, It may no longer be possible to upgrade to a Private Condominium without forking out a huge sum of cash as You advance in age... even if Prices remain the same over the years!

In a nutshell, the TDSR limits the amount borrowers can spend on debt repayments to 60 per cent of their gross monthly income.

Based on an income of $8,000, you will only be allowed to take on loans with total repayments not exceeding $4,800 each month.

30 Years Old

Max Bank Loan: $1,068,936
Loan Tenure: 30 Years
Monthly Mortgage: $4,800

✅ 1 Bedroom Condominium
✅ 2 Bedroom Condominium
✅ 3 Bedroom Condominium
✅ 4 Bedroom Condominium

35 Years Old

Max Bank Loan: $1,068,936
Loan Tenure: 30 Years
Monthly Mortgage: $4,800

✅ 1 Bedroom Condominium
✅ 2 Bedroom Condominium
✅ 3 Bedroom Condominium
✅ 4 Bedroom Condominium

40 Years Old

Max Bank Loan: $958,804
Loan Tenure: 25 Years
Monthly Mortgage: $4,800

✅ 1 Bedroom Condominium
✅ 2 Bedroom Condominium
✅ 3 Bedroom Condominium
❌ 4 Bedroom Condominium

45 Years Old

Max Bank Loan: $827,644
Loan Tenure: 20 Years
Monthly Mortgage: $4,800

✅ 1 Bedroom Condominium
✅ 2 Bedroom Condominium
✅ 3 Bedroom Condominium
❌ 4 Bedroom Condominium

50 Years Old

Max Bank Loan: $671,439
Loan Tenure: 15 Years
Monthly Mortgage: $4,800

✅ 1 Bedroom Condominium
✅ 2 Bedroom Condominium
❌ 3 Bedroom Condominium
❌ 4 Bedroom Condominium

55 Years Old

Max Bank Loan: $485,408
Loan Tenure: 10 Years
Monthly Mortgage: $4,800

✅ 1 Bedroom Condominium
❌ 2 Bedroom Condominium
❌ 3 Bedroom Condominium
❌ 4 Bedroom Condominium

60 Years Old

Max Bank Loan: $263,856
Loan Tenure: 5 Years
Monthly Mortgage: $4,800

❌ 1 Bedroom Condominium
❌ 2 Bedroom Condominium
❌ 3 Bedroom Condominium
❌ 4 Bedroom Condominium

65 Years Old

Max Bank Loan: $0
Loan Tenure: 0 Years
Monthly Mortgage: $0

❌ 1 Bedroom Condominium
❌ 2 Bedroom Condominium
❌ 3 Bedroom Condominium
❌ 4 Bedroom Condominium

The Best Time to START is YESTERDAY!

Take the first step to creating the life your family deserve today!

Hi, I'm Terrence

As a Property Restructuring Consultant with PropNex's Powerful Negotiators Group, I assist Property Owners in the planning, strategizing, and the restructuring of their Property Portfolio.

Having been brought up in a family where both my parents were involved in the Real Estate Industry, I developed a keen passion for the Real Estate Market from a very young age.

I make it my life mission to educate property owners on how to safeguard their assets by equipping them with Real Estate Knowledge and Market Insights.

Instead of the usual Buying, Selling, and Renting, I serve a very niche group of clients - Ordinary Singaporeans who wants to ensure that they are making the right move in the property market.

What I've Helped My Clients Achieved?

Calvin & Sarah

Mr & Mrs Kaw

What My Clients Are Saying?

Aaron & Teresa

Owners of 2 Private Condominiums

Fiona & Jin Long

Owners of An Executive Condominium

Jonathan & Annie

Owners of A Private Condominium

Estelle Chia

Owner of A Private Condominium

Paige & Zachary

Owners of A Private Condominium

Johnson & Charis

Owners of 2 Private Condominiums

Have Some Questions Before Signing Up? Here Are Some Of The Most Frequently Asked Questions...

Is this a Preview / Masterclass for a Seminar or Course?

No. This is NOT a preview or masterclass where you are eventually asked to pay thousands of dollars to attend a seminar or investment course. In fact, some of the things that I will be sharing with you are what people are paying thousands of dollars to learn in seminars.

The main purpose of the consultation is to analyze if your property is still an appreciating asset and explore what your available options are. At the same time, provide you with market updates and insights, so that you can have a clearer picture of what you can expect in the future.

Who can sign-up for the free consultation?

The free consultation is for anyone who is not in the midst of fulfilling their 5 years Minimum Occupation Period (MOP).

Will you pressure me into buying or selling my property?

It is my personal belief that a good consultant should never have to hard sell or pressure clients.

You cannot sell something to someone who doesn’t need it. And if someone needs it, you don’t have to hard sell or pressure them.

I believe in showing the facts and figures to my clients and allowing them to make their own decision.

Is there really no obligations?

There is absolutely no obligations. It is your property and your future.

You make the call.

How can I trust you when you have vested interest?

If you were to go to a doctor today and he doesn’t cure you, he stands to make more profits out of you. Likewise, if your vehicle were to break down and you bring it to a mechanic, he stands to profit even more if he doesn’t solve the issue.

Why do these professionals still cure and solve your issues? The reason is very simple, we are all looking to be in our respective industry for the long run.

If it's really free, what do you get out of all this?

The consultation, calculations, analysis, etc… are all provided free of charge. You do not need to pay me a single cent.

I believe that each and every property owner should have access to all the facts and figures before the transacting of any property as it’s one of the largest asset in your entire lifetime.

For the purchase of private properties, commission is payable by the sellers or developers. Hence, you do not need to pay me any commission for my services.

For the selling of your property, you are not obligated to engage me. However, if you do decide to engage me to market your property, my packages start from the market norm, which is 2%. The only difference is that I work only on an Exclusive basis.

What is included in the consultation?

You can click here to find out what will be covered during the consultation.

#what-is-covered?

Why is it only available to 10 sign-ups?

Apart from providing the free consultation, I am also running viewings, appointments, trainings, meetings, and such…

Due to the tight schedule and in order to ensure that I do not shortchange my existing clients, I am only able to take up a certain number of clients in any given period of time.

How long does the consultation usually take?

The typical consultation takes around 2 to 3 hours, depending on the amount of questions you might have.

I politely ask that you respect my hours by setting aside sufficient time for the consultation and refrain from rescheduling unnecessarily.

What do I need to prepare before the consultation?

During the consultation, I will assist you in a financial calculation so as to lay out your available options.

You will need to ensure that you have your Singpass ready (for all owners) so that we can retrieve the relevant details.

Sign Up for a FREE, Non-Obligatory Consultation NOW!

Take the first step to creating the life your family deserve today!

ARE YOU WONDERING IF YOU SHOULD TO YOUR HDB FLAT?

Especially for HDB Owners Who Have Purchased Their HDB Flat Before 2015 and Have A Combined Household Income of More Than $7,000 A Month...

What Can I Expect From the Consultation?

Due to overwhelming responses and in order to ensure that each and every client is able to receive my 100% attention, I am only able to extend the FREE Consultation to an Additional 10 Sign-Ups.

Only 10 Slots Remaining!

Only 9 Slots Remaining!

Only 8 Slots Remaining!

Only 7 Slots Remaining!

Only 6 Slots Remaining!

Only 5 Slots Remaining!

Perhaps You Are Thinking Of Moving Due To The Following Reasons:

In This Case, You Would Generally Have 3 Choices...

1) Upgrade To A Bigger HDB

2) Upgrade To An Executive Condominium

3) Upgrade To A Private Property

Which Do You Think Is The Riskiest Option?

For most Singaporeans, our property makes up 70% to 90% of our Total Assets and is one of the keys to unlocking our retirement funds

In Singapore, the Retirement Age is at 65 Years Old while the Life Expectancy is at 85 Years Old.

With A Proper Assets Progression Plan, You Can Start Building Your Wealth And Retire Comfortably...

Approaching retirement age, most homeowners will be looking to "down-size" to a smaller flat so as to cash out on their retirement.

Assuming that you are looking to downsize to a $350,000 3-Room HDB Flat from your existing property during your retirement age...

If you have gone with Option 1 and chose a Bigger HDB Flat...

But What If You Have Chosen Option 2 or 3 And Upgraded To A Private Property?

Upgraded to Bigger HDB Flat

Upgraded to Private Property

Your Action or Inaction Today is going to determine the value of the assets you have upon retirement!

Can Your HDB Flat Really Appreciate in Value and Allow You to Cash Out on Your Retirement Funds?

Since the removal of the Cash Over Valuation, the HDB Resale market has been on a downward spiral, thus accomplishing its goal of keeping hDB Flats "affordable"...

But I Have Already Fully Paid Off My Property, Should I Still Consider Upgrading?

By using your CPF to pay for your property, you lose out on the 2.5% interest per annum that you could have earned if the funds were left untouched in your CPF account...

To put it simply, by locking all or most of your CPF in your property, you lose:

So what should you do? How can you ensure that your CPF is working for you and not against you?

Perhaps you are wondering if you can really afford to Upgrade...

Don't be trapped by your assumptions and limited beliefs...

The window of opportunity is right in front of you!

Before Cooling Measures

Greedy?

VS

After Cooling Measures

Fearful?

Will the Private Residential Market spiral into a downward just like the HDB Resale Market?

Which Trend Do You want to ride on? The Private Residential Market Uptrend or the HDB Market downtrend?

The best time to build your wealth with the lowest risk is when you are between 30 to 50 years old.

With the Introduction of the Total Debt Servicing Ratio (TDSR) in 2014, It may no longer be possible to upgrade to a Private Condominium without forking out a huge sum of cash as You advance in age... even if Prices remain the same over the years!

30 Years Old

35 Years Old

40 Years Old

45 Years Old

50 Years Old

55 Years Old

60 Years Old

65 Years Old

The Best Time to START is YESTERDAY!

Hi, I'm Terrence

What I've Helped My Clients Achieved?

Before

After

Before

After

Have Some Questions Before Signing Up? Here Are Some Of The Most Frequently Asked Questions...

Sign Up for a FREE, Non-Obligatory Consultation NOW!