There's alot more things your HDB can do for you!
Many of my clients who own a HDB have already...
Upgraded to a executive condominium
WITH ZERO CASH TOP UP
OR
Owned 2 properties and created
PASSIVE INCOME
Either
SPARE FUND of Up to $100K
I'M AN ORIGINAL CATCHPHRASE
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So.. Have you been pondering about the questions below?
AM I Able to afford?
Can i be like the rich?
Can i own 2 properties?
Am i eligible?
It is not just "ANOTHER INVESTMENT TALK"!
I genuinely wants to share with you the insights about building a FINANCIALLY SECURE FUTURE for you and your family! Through this session, you will be EMPOWERED with the methods to achieve your desires.
SCENARIO #1 - HDB TO EC
Mr and Mrs Tan, both in their early-mid 30s, were owners of a 4 room HDB flat. Their plan was to sell their HDB and buy a resale flat.
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However, after some detailed analysis and meticulous financial calculations, they learnt a better way to grow their wealth.​
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They have since upgraded to an Executive Condominium without using any of their savings, and even have enough CASH reserve for their monthly instalments for the next few years. With a clear asset progression planned for them, they are even thinking of investing in a second property.
SCENARIO #2 - Executive Masionette TO 2 PROPERTIES
My girlfriend's relatives, Mr and Mrs Seow, both with a combined income of $10k, initial plan was to sell their Executive Maisonette and buy a 3 room condominium.
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However, after presenting and explaining to them about the importance of asset progression, they heeded my advice. Today they own a 3 room condominium apartment AND a 1 room condominium without touching their savings AT ALL.
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With clear asset progression and road map planned for them, they are able to benefit from the huge potential upside for the next 5 to 10 years.
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I have almost fully paid off my HDB and comfortable with my lifestyle, why should I upgrade?
If you are like the typical Singapore HDB Owners today, you are probably servicing your HDB loan using your CPF.
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And you might be thinking that it is best to pay off the loan as soon as possible to lower your monthly mortgage.
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However, this may be an action that can
affect your future financial goal in the
NEXT 5 to 10 YEARS!
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You need to know how to use your CPF
CORRECTLY and EFFICIENTLY!
Locking away all your CPF in your HDB is eating away your wealth!
With all or most of your CPF dumped into your HDB flat, you lose
1. the 2.5% interest you can earn from leaving it inside CPF,
2. the accrued interest of 2.5% to pay back when you eventually sell
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That is 5% TAKEN AWAY from you, year after year.
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For example, if $200,000 worth of CPF funds is put into your HDB, at the end of 5 years, you lose $26,600 in interest earnings.
Selling your HDB at the end of 5 years, you would have to return $226,300 to CPF, which is $26,600 less cash from your property sales proceeds.
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In Total,
Your Loss = $53,200!!​​
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So how can you escape this fate?
Hi, I'm Sebastian Chu aka Seb Chu. Within a year of joining Propnex, I was awarded Star Performer as
Top 50 Individual Producers (Feb 2017)
and
Top 10% salesperson in Propnex for Q1 2017 (Top 150 Individual Producers, 104th).
When my clients believe in me and place their trust upon me, I'll reciprocate by giving my 100%
