HBD UPGRADER
5 PROPERTY HACKS' THAT ALLOWS YOUR HDB NEIGHBOR
EARN $200K to $500K MORE THAN YOU!!!
WITH THE SAME TIME-FRAME!
[SECRETS REVEALED]
Why some spent 20 Years to make $500k through property, while others spent ONLY 5-7 years?!
ALERT! : To HDB Owners
After staying in their HDB for more than 5-7 years and their Property Price had STAGNANT...
What is the BEST move?
HOLD onto your properties or SWAP a better Properties?
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Many Home owners took Advantage of our FREE CONSULTATION
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Learn how they can benefit.
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How they can Maximize PROFIT with the Shortest TIME?
If your answer is “YES”, Then You Have to "Act Fast"
Has your HDB value went up after the announcement of your district's transformation?
Some Fun Facts about our HDB Value From Day 1 to MOP & MOP Till Now!
Average Price for the 4rm costs around $370,000.
What about the HDB Price after it's MOP Period?
After 5 years of Minimum Occupation Period (MOP), the HDB Price is around $650,000 & Profit is around $280,000
Will you curious with the current price if you sell on today's market
In fact, the current price of a 4rm HDB is still $620,000.
Which means that the HDB price had STAGNANT since MOP period (after 9 years) and you considered very lucky as some HDB area not just Stagnant but the price Declined.
With this 9 years without price growth, we called it as LOST OPPORTUNITY COST!!
What If You had SWAPPED Property From 4rm HDB to Condo after MOP Period?
If you upgraded from Year 2010, you could easily get another profit of $250k to $500k.
If you upgraded from Year 2010, you could easily get another profit of $250k to $500k.
HDB Profit : $280K + Condo Profit: $250K = Total Profit: $530K
As compare to those 4rm HDB owners that Hold On till now and their profits are around $250K as the age of the HDB are older and newer cluster of HDB are coming out, the price of the older HDB will depreciated.
How to EARN ANOTHER $300K - $500K, before your HDB Price Stagnant / Decline?
Hi, I am Andy
Recently there are many advertisements telling people to upgrade without touching their savings or even own TWO properties. I'm sure you have seen it! But have they done it for themselves?
I am just like most of the Singaporean, we started with a HDB. And at that point of time, i only want to quickly clear off all my loans to be debt free. But i realize one thing, by doing this, i will only be trading off all my time and need to work very hard for money.
My Success in property investment can easily be yours
I'm glad to have many opportunities in my real estate career to learn from all my investors and mentors on how can I effectively build my property portfolio with a safe and systematic way. Today, i'm not only own One, but Two private properties.
Many of my clients have also done it without stress on their finances under my guidance as well.
Is always better and safer to learn from someone who had done it themselves,
isn't it?
And Now I'm So Excited to Share This Winning Formula with You
WITH A STEP-BY-STEP ACTION PLAN AND THE TRIED AND TESTED HOME PROGRESSION STRATEGIES, YOU CAN:
CASE STUDIES
Case Study 1
Recently, I just met up with a family of 4 and they are owners of $480k 4rm HDB in Punggol with outstanding loan. They wanted to upgrade to 5rm HDB in Tampines but not sure of what are the best options that suit them most as they worried about the monthly instalment if they upgrade to condo.
After I shared with them a tailor-made asset progression (P.R.O.N.E) and also a detailed financial calculations..
They upgraded to a brand new condo that worth 1 millions WITHOUT paying extra cash from their saving and also gained a balance fund of $135,000!
This balance fund can comfortably finance their condo for 5 years, even they are NOT Working!
Furthermore, they now have an asset progression plan and are looking forward to grow their wealth in a safe yet effective manner
YOU CAN BE LIKE THEM TOO!
Let's meet for a NON-OBLIGATORY & FREE sharing session today!
In fact, more than 80% of Singaporeans actually made their 1st pot of gold from their HDB.
YOUR HDB FLAT CAN BE
YOUR FIRST POT OF GOLD
Instead of just using your HDB as a roof over your head and accumulate your wealth slowly through your salary and savings,
learn how you can propel your wealth by applying the RIGHT STRATEGY, SPOTTING the RIGHT ASSET, and at the same time PROVIDE your FAMILY with a QUALITY LIFESTYLE.
Many HDB Owners have a lot of worries when it comes to UPGRADING.
BUT with my simple 5-steps systematic Asset Progression Strategies (P.R.O.N.E) and In-Dept Financial Calculation,
1. UPGRADE to Condo With ZERO CASH TOP UP or Even OWN 2 Properties
2. Generate Additional Passive Income
3. LOWER Monthly Instalment or
FULLY PAID UP Property with HALF The Time
4. CREATE Reserve Funds that could LAST for years
IT IS POSSIBLE FOR YOU TO ACHIEVE...
If the above is something that you want to achieve...
Do you want to know more?
This is only applicable for Home Owners that...
Stayed in your HDB flat for more than 5 years
Have a combined income ranging from $7K onwards
*Note: You will need to fulfil your Minimum Occupation Period of 5 years before I can advise you accordingly. This is because any strategy that I show you now is not applicable and might be irrelevant as policies may change in the future.*
SHOULD I UPGRADE IF I HAVE ALMOST FULLY PAID OFF MY HDB?
DO YOU KNOW THAT YOUR HDB FLAT MAY NOT NECESSARILY BE AN ASSET?
WHY You HOLD Onto Your HDB Flat, You Tend To LOSE MONEY Without Knowing?
Do You Know...
Every year CPF is paying Interest rate of 2.5% to you
If you have been using your CPF to repay your housing loan, the CPF fund you used will COST YOU a substantial sum of ACCRUED INTEREST....
Over time, this ACCRUED INTEREST will consume your CASH PROFIT, leaving you with little or ZERO cash!
CASE STUDIES
Case Study 2
Paul & Sabrina have a total CPF of $300,000. They would enjoy 3.5% interest for the 1st $20,000 each, and 2.5% interest on the rest of their OA balance. It works out to be $7,900 for the immediate next year, and about $8,100 for the following year, and $8,300 for another year following that year.
However, the couple decided to use their CPF to pay for their HDB flat.
Upon making this decision;
- They stopped earning the 3.5/2.5% interest that CPF diligently pays them every year on their compounded balance.
- They have to pay back the $300,000 + 3.5/2.5% interest they supposedly will earn.
Which means, in this decision, they made a total loss of $176,050 (CPF and CASH) within just 10 years!
TOTAL LOSS OF INTERESTS = $176,050 !!!
You may be half way to this 10 years mark, or may even crossed it long ago! Such LOSS in CASH & CPF is a silent killer, which many of the people we met only realize their position after we run our Financial Calculation with them.
This rule applies to ALL. If you have also used your CPF to pay for your HDB Loan, then your situation is no different from Paul and Sabrina
YOU HAVE TO PAYBACK THE INTEREST!
The longer you HOLD onto your HDB, the more this accured interest will ACCUMULATE.
THIS MEANS that you will have LESSER CASH proceeds after SELLING than you think you would have!!!
WITH A STEP-BY-STEP ACTION PLAN AND THE TRIED AND TESTED HOME PROGRESSION STRATEGIES, YOU CAN:
Build an extra stream of income without risking your hard-earned money on unpredictable investments?
Generate passive income consistently every month with little effort and time by having a systematic plan?
Achieve your financial life goals sooner with a simple step by step progression strategy that is easy to follow?
Select high upside potential property which is undervalued so that you can lower your risk and profit with my "buy low sell high" method?
Still Having doubts?
LET ME CLARIFY ALL YOUR DOUBTS DURING OUR 1 TO 1 DISCUSSION!
After all, the discussions are completely free and non-obligatory.
Nobody wants to have regrets when they look back on their lives 5 to 10 years down the road. Seize the opportunity and you can achieve your life goals by having the right property or properties!
Meet me for a FREE & NON-OBLIGATORY sharing session
DURING THE NON-OBLIGATION & FREE CONSULTATION, I WILL ALSO GIVE YOU:
• A simple “calculation” method to recognise your financial standing
• A 4-steps process to do in-depth financial calculations which will include additional costs like legal fees, cash outlay, stamp duty, etc
• The P.R.O.N.E framework to analyse the available options in the property market and determine the best possible choice that is suitable for you
• A far-sighted “roadmap” that will allow you to retire comfortably
• A SIMPLE yet EFFECTIVE CPF Usage plan - with 4 PRECISE steps to accumulate wealth earlier
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This is one of the investment strategy you will learn during the meet up as well.
DURING THE NON-OBLIGATION & FREE CONSULTATION, I WILL ALSO GIVE YOU:
With over 7 years in the Real Estate Business, I have helped numerous homeowners to achieve their financial goal.
Let me tell you the truth, many home owners have regretted not taking action when they were younger as they grew older, their loan tenure is shorter and the risks are higher for them.
Don’t be one of them!
You can give up your dreams and continue doing what you are doing but let's be honest, you won't have read to this point if you wanted that.
Give me 1 hour,
Either you walk away the same after 1 hour or become one of my successful clients.
The most important part about building a successful property portfolio is to spot the right property, have a detailed, careful planning and meticulous financial calculations as these are the crucial steps to achieve your dream lifestyle.
There is NOTHING to lose in gaining more knowledge.
After all, knowledge is power.
OUR TESTIMONIAL
We wanted to sell our HDB 4room and buy a bigger flat so that we can have more space for our child's needs. After sitting down and going through our financials with Andy, we realised that instead of settling for just another bigger HDB, we can actually upgrade to a brand new condominium comfortably without touching our savings.
Had we not sat down with Andy and gone through that 20 minutes discussion, we wouldn't have known better how we can make use of our existing HDB to provide more for our family.
Sam & Jean
Disclaimer: The case studies are for educational use only and we make no representation or warranties with respect to the accuracy, applicability, or completeness of its contents. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential, and thus are not guarantees or promises for actual performance. As required by law, we can make no guarantees that you will achieve any results. Results will vary from case to case.
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