It's natural for many HDB owners to have questions regarding home upgrade,
With Personalised Home Upgrade Plan and Careful Financial Calculations, you will have Confidence to Upgrade within your comfortable limits.
This is only applicable for Home Owners that...
Stayed in their HDB flat for more than 5 years
*Note: You will need to fulfil your Minimum Occupation Period of 5 years before I can advise you accordingly.
If not, any strategy or advice that I share with you now is not applicable and may be irrelevant as policies may change in the future.*
During our discussion, I will go thru the checklist with you
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Full Financial Planning for Home Upgrade
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Cash-flows and Timeline needed
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Suitable Housing Options (EC / Condo / Resale HDB)
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Build 'Rainy Day' Fund for unexpected situations
They are 4rm HDB flat owners and thinking of upgrading to bigger house. They want to be sure which property choice is most suitable for them.
With their concerns in mind, I customised a Home Upgrade Plan specially for them and ran thru their financial details, explaining the pros and cons of different housing options.
Finally, they have decided to upgrade their 4Rm HDB to 3-Bedroom Condo. ​​All are done without them forking out extra cash and they still have >$130,000 balance for 'rainy' days.
They are now Proud Owners of 3-Bedroom Condo
Case Study #1
Let's look at Dennis & Family HDB to Condo Journey
Case Study #2
Let's look at Sam & Family HDB to Condo Journey
They are middle income family of 3, who owns 5rm HDB flat. Upgrading to condo is their dream but concerned about the finances involved and do not want to be stressed by the home upgrade.
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After going thru their Personalised Home Upgrade Plan with them and working out their finances carefully, finally they feel assured and decided to proceed and realise their Condo dream.
They have upgraded their 5Rm HDB to 2Bedroom + Study Condo. ​​
All are done without coming out extra cash and they still have >$120,000 balance for 'rainy' days.
They are now Proud Owners of 2Bedroom+Study Condo
Still having doubts?
Let's meet up and I will clarify with you during our 1-to-1 discussion.
Don't simply assume that upgrading is out of your means without first consulting a Real Estate Professional.
Afterall, these discussions are completely free and non-obligatory.
Seize this opportunity and achieve your dream of upgrading.
After so many years of real estate, I've came across many people who have not thought of investing in 2nd property and using it as their Solid Tool for Retirement.
They would have missed deadline to build their wealth and safeguard their future if they continue to do nothing.
Let me ask you:
Do you know what are your Privileges when you have 2 fully-paid Private Properties by 55?
Privilege 1: Stay in 1st property, Collect rent from 2nd property
Worth $1.5Mil
1st Property:
Own Stay
Worth $1Mil
2nd Property:
Investment
Rental income
$3K/mth
Total Properties Worth $2.5Mil + Passive income $3K/month
Privilege 2: Stay in 1st property, Cash out 2nd property for Retirement
Worth $1.5mil
Worth $1mil
2nd Property
Cash $1mil
1st Property:
Own Stay
Total Property Worth $1.5Mil + Cash $1Mil
Privilege 3: Cash out both properties, buy a HDB and keep the extra cash
Worth $1mil
2nd Property
Worth $1mil
1st Property:
Own Stay
Total Property Worth $0.5Mil + Cash $1.5Mil
$500K HDB
Cash $1.5mil
Only owners with 2 or more properties can have such privileges and flexibility to decide how much cash they need.
They can be 100% sure that their future is financially secured.
Don't you want to like them when you retire?
Case Study #3
Let's look at Mr & Mrs Ng Asset Progression Journey
They owned a HDB Exec Maisonette HDB. After sharing with them how to double up their wealth using properties, they decided to swop their HDB for 2 private properties.
With my Detailed Home Upgrade planning and Meticulous Financial Calculations....
They have bought a 3-Bedroom Condo for Own Stay and a
2-Bedroom Condo for Investment. All are done without coming out extra cash and they still have > $80,000 balance
By owning multiple properties, they are growing their wealth thru Capital Appreciation and Rental Income.
You might be thinking that Upgrading to Condo or Owning more properties is Risky
Yes, It's risky for anyone to buy property without in-depth financial knowledge and contingency plan.
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Therefore, it's my duty to advise my clients carefully about Risk and Affordability. They must feel secure with their financial figures and have viable backup plan before going ahead with the purchases.
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Rest assured that I will not allow my clients to take unnecessary risks or go beyond their means to buy property.
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Let's meet up and discover how can you own more properties safely without added stress.
Hi, I'm Leon Wee
I have strong passion in Property Investment and firmly believes that everyone should own properties within comfortable limits. It's because properties are excellent source of income and security for retirement.
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My purpose is to Equip my clients with Right Knowledge and Empower them to make informed decisions that will greatly benefit them.
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I will always protect their interests and help them achieve their Home Upgrade confidently.
"What client says about me"
“We are happy to engage Leon to market our HDB and he has impressed us with his selling skills. He advertised our HDB on various platforms and scheduled an Open House with so many buyers came over to view our house. On the same day, he got a few serious offers, negotiated with the buyers and finally secured the highest offer for us. We are happy to sell our HDB quickly at a good price.
His detailed financial planning assures us to buy our next condo without over-stretching. This has made our home purchase easy and comfortably.
Thank you for sharing with us how can we advance further with Asset Progression! We’re looking forward to add another property in near future.
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Mr & Mrs Tan
3Bedroom Condo Owners
