HOME OWNERS

HAVE YOUR HDB ALREADY MET ITS 5 YEARS MOP?

DO YOU KNOW WHATS THE NEXT STEP YOU SHOULD DO?

READ ON TO FIND OUT MORE

HAVE YOU BEEN THINKING OF :

Owning a fully paid property of your of your preference for retirement?

Have extra cash savings for retirement?

Own a second or third property for passive income?

Can I really be able to upgrade?

Am I earning enough to afford it?

Is upgrading to a condo only for the rich?

UPGRADING Can Be SAFE & STRESS FREE With The RIGHT PLANS & STRATEGIES, Read On To Find Out How You Can Do It

I have plenty of clients earning from $6k to $8k.

After utilizing my Personalized Step-By-Step Assets Progression Strategy, they have successfully upgraded their property

BUT WAIT, HAVE YOU BEEN THINKING OF :

I don't think I can afford to upgrade?

Private properties are only for the rich?

I do not want to wipe out my cash savings

I do not want to get mortgages payment every month

90% of my clients were not aware that private properties are well within their reach. If you have a combined household income of at least $7k you can consider to upgrade. But financial assessments have to be made to qualify home owners. I would actually advise clients against making the move if the property is not within their AFFORDABILITY and SUSTAINABILITY.

Read On To Find Out How You Can Do It

AFFORDABILITY

Mortgage loans for private properties are pegged to the TDSR (Total Debt Servicing Ratio), while mortgage loans for HDB properties are pegged to both the TDSR and MSR (Mortgage Service Ratio). Therefore, a buyer’s approved loan for a private property will be generally higher than his/her loan for a HDB property.

For example, along with their approved loan and available CPF, Mr & Mrs Chong can purchase a property of $1.5m. However, can they afford the monthly mortgage that comes?

Read On To Find Out More

WHAT YOU CAN GAIN FROM MY SHARING SESSION :

How you can increase your income

How you can restructure your real estate portfolio

How you can upgrade to private without using your savings

How you can give your family a luxurious lifestyle while planning a better future

How my STRATEGIES can generate extra funds for you and get you upgrade to a private

Comparative market analysis

Detailed financial assessment

Study on potential growth and future transformations of a project

FREE SHARING SESSION →

View some asset progression stories of our clients

CASE STUDY

Mr & Mrs Choong, both 35 years old, were owners of a 4 room HDB flat. Their plan was to pay fully for their property or upgrade to a maisonette.

But after doing detailed calculations & explaining different options to them, they had learnt better way of managing their money with my STRATEGIES.

With my ASSET PROGRESSION STRATEGIES, they could :

- Upgrade to a condo and get another property for investment

- Have extra funds for their own use after this process.

They have since upgraded to a Condominium without touching any of their savings, and even have a CASH reserve of $130,000, with my meticulous calculations & conservative planning.

Let’s meet for a NO-OBLIGATION & FREE sharing session and I would show you how!

FREE SHARING SESSION

You May Be Thinking That, You Have Almost Fully Paid Off Your HDB, Why Should You Upgrade?

If you are like most Singapore HDB Owners today, you are probably servicing your HDB loan using your CPF

And you might be thinking that it is best to pay off the loan as soon as possible to lower your monthly mortgage

However, this may be an action that can affect your future financial goal in the NEXT 5 to 10 YEARS!

You need to know how to use your CPF CORRECTLY and EFFICIENTLY!

YOUR WEALTH IS BEING EATEN AWAY MONTH AFTER MONTH WHEN MORE & MORE OF YOUR CPF IS BEING LOCKED IN YOUR HDB

With most or all of your CPF channelled into your HDB flat, you lose

- The 2.5% interest you could have earned if you had left it inside CPF

- The accrued interest of 2.5% be returned to CPF when you sell eventually

That is total of 5% TAKEN AWAY from you, year after year.

For example, if $250,000 worth of CPF funds is used to pay for your HDB, at the end of 5 years, you lose $32,850 in interest earnings at the end of 5 years.

Selling your HDB at the end of 5 years, you would need to return $282,850 to CPF, which is $32,850 less cash from the sales proceed of your property.

In Total, Your Loss = $65,700!!

DID I MENTIONED THE 2.6% INTEREST YOU PAY EVERY YEAR FOR YOUR HDB LOAN?

So how can you escape from this TIME BOMB?

Let’s meet up for a non- obligatory session with me to find out!

FREE SHARING SESSION

DO YOU KNOW? :

Do you know that fully paying your flat does not guarantee a higher sales proceed? It very much depends on your ENTRY PRICE and many other factors!

CPF Accrued interest is the accrued interest amount that you would have earned if your CPF savings had not been withdrawn for housing. The interest is computed on the CPF principal amount withdrawn for housing on a monthly basis and compounded yearly. Even when you have fully paid your flat, the CPF accrued interest still runs.

ABOUT

Hi, I am Irfaan Thian,

I am a consultant with 7 years of experience. With my knowledge, experience and hospitality trained service, many of my clients turned friends had benefitted in many ways. I look forward to serve your kind self just like FAMILY. Godspeed.

Regardless you are an experienced investors, first time buyers or foreigners, i will be able to assist you to choose the "RIGHT" property in Singapore.

Contact me for a FREE CONSULTATION on to how you can proceed with your asset progression plan OR just want to find out more.

FREE SHARING SESSION →

MY AWARDS

MY CLIENTS EXPERIENCES

SCHEDULE A MEET-UP FREE SHARING SESSION

PHONE :

8139 5076 8139 5076

EMAIL :

irfaanthian@propnex.com

ADDRESS :

480 Toa Payoh Singapore

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