Dear HDB Owners,
MANY HAVE UPGRADED TO A CONDO WITHOUT
 PAYING EXTRA CASH FROM THEIR OWN POCKET!!!

DO YOU WANT TO BE LIKE THEM?

Many HDB Owners have a lot of worries when it comes to UPGRADING. 

But with in-depth financial planning and my simple yet effective step-by-step Home Progression Strategy,

YOU CAN POTENTIALLY…

1. Upgrade to a condominium WITH ZERO CASH TOP UP
2. Own 2 properties and create PASSIVE INCOME
+ gain a SPARE FUND of up to $100k for “rainy days”
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As a professional real estate consultant I realised that many home owners do not take advantage of their assets as a solid tool for investment & retirement.

Can you see yourself owning at least 2 property when you retire?

Do you know when home owners retire with 2 properties, they can have options like:

1. Sell both properties to fully pay a HDB and keep the extra cash

2. Keep 1 property and sell the 2nd property for extra cash

3. Keep both properties for rental income and rent another property for own stay

If the above is something you want to achieve…

Will you want to find out more?

This is only applicable for Home Owners that…

  • Stayed in their HDB flat for 5 years or more
  • Have a combined income ranging from $7k onwards

 

 
 

*Note: If you are nearing your 5 years MOP, it’s time to work out your options. The actual strategy may differ to customise and meet your particular needs.

If you have or is going to meet your Minimum Occupation Period of 5 years…

LET’S MEET FOR A FREE DISCUSSION TODAY!

You’ll learn how to use a data-driven approach to identify value properties that is personalised for your wealth-building plan.

Contact below for a NON-OBLIGATORY discussion session today!

OR

Let’s look at Mr and Mrs Goh’s case study …

They were 41-year-old owners of a $460k HDB flat who wanted to upgrade but was unsure of what property would be of value and if they should fork out more for the monthly mortgage

After I showed them a detailed home progression strategy with detailed financial planning …

 

 

They upgraded to a 1.05 million condominium WITHOUT paying extra cash from their own pocket and also gained a balance fund of $130,000!

This reserve fund can finance the mortgage for their condo for 3.5 years in the event of unforeseen circumstances!

In addition, they now have a customised asset progression plan and are
on their way to hunting for a 2nd investment property to grow their wealth.

Want to know how you can be like them?

Let’s discuss over a NON-OBLIGATORY & FREE sharing session today!

Have You Used Substantial Amount of CPF To 
PAY OFF YOUR HDB?

Like most HDB Owners today, you could be servicing your HDB loan using your CPF.

And you might be thinking that it is best to use your CPF funds to lower your monthly instalments to lessen your monthly burdens.

However, without the right CPF usage strategy, you could be affecting your financial future in the next 5 to 10 years!

LOCKING AWAY A HUGE PORTION OF YOUR CPF FUNDS
IN YOUR HDB IS 
DEPLETING YOUR WEALTH!

WHAT DO I MEAN BY THAT?

Let’s assume you have $200,000 worth of CPF funds.

Every year you earn a CPF interest rate of 2.5% and one day you decide to use this CPF fund of $200,000 to pay for your house.

This means that…

  • You will STOP earning interest from your CPF of $200,000
  •  
  • But once you decide to sell your flat, you will have to pay back the $200,000 PLUS the accrued interest that you were supposed to earn.

Compounding the $200,000 at 2.5% every year, the total value should worth $328,000, i.e. an accrued interest of $128,000!

Question Is: Do you think your HDB will appreciate by $128,000 or more when your flat becomes older 20 years later?

POTENTIAL INTEREST LOSS = $128,000!!!

SO HOW CAN YOU PREVENT THIS
FROM HAPPENING TO YOU?

Let’s discuss all your options over a NON-OBLIGATORY sharing session today!

HDB OWNERS! A GREAT OPPORTUNITY IS HERE RIGHT NOW!

 

Most HDB owners think that staying in Condominiums are beyond their reach due to their current situation and income level.

 

Such assumption selling themselves short; for the difference between current situation and desired future lies in the knowledge gap.

 

Will you regret missing your opportunity 10 years down the road when you see your friends who have progressed their assets and are profiting from the property market?

WITH A SYSTEMATIC ACTION PLAN AND DATA-DRIVEN HOME PROGRESSION STRATEGIES, YOU CAN:

Build long term wealth without risking your hard-earned money in other risky investments

Make your money work harder for you every month with little effort and time through a systematic strategy

Achieve your investment and retirement goals sooner with a customised step-by-step progression plan

Identify high potential property by managing your risk and maximising returns with the right leverage

LET ME CLARIFY ALL YOUR QUERIES 
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 financial and retirement goals sooner by having the right property plan!

 

Let’s meet for a NON-OBLIGATORY & FREE sharing session today!

OUR NON-OBLIGATORY & FREE CONSULTATION WILL CONSIST OF:

  • Detailed financial plan to understand your financial position.
  •  
  • Thorough cost-analysis for all the options that you can consider, including costs like stamp duty, downpayment, legal fees, etc.
  •  
  • Proprietary technology to to determine all available property options and determine the most suitable roadmap for you.
  •  
  • personalised long-term playbook that will allow you to achieve your investment and retirement goals earlier.
  •  
  • Value property identification methodology to minimise risks and maximise return.
  •  

Chung Ying

Charlie has saved me years of knowledge gap, and allow me to compound my wealth way ahead of my peers by having a personalized and structured plan.

Initially, I didn’t even know how all the different rules, market forces and personal elements are all interlinked that can affect my wealth building plan in real estate

Above and beyond the financial planning, he also advised on how to identify value properties through an in-depth data-driven analysis.

I must say that Charlie was very attentive to my needs and situation and help me understand thoroughly the risk and returns to give me the confidence I needed to begin my real estate investment journey right.

Hi, My Name Is Charlie.

Real Estate Consultant, Accredited Mortgage Planner
B.Eng (Chemical)(Hons, First Class), NUS

Having grown up in a family of 8 living in a 3room HDB flat, I understand the very concerns that my clients have when it comes to real estate decisions such as upgrading or 2nd property investment.

Coming from an engineering background, I am convinced that through sound data and technology, we can ensure that great upgrading and investment opportunities can be identified. At the same time, many can benefit from the special asset class of real estate while managing the downside risks.

My mission is to empower home owners through the gift of knowledge. I’m dedicated to helping them make right property decisions and build long-term wealth. Integrity is a value I uphold dearly, my clients’ interests always come first. If the strategy is not workable for their situations, I will look for alternative options that best cater to their needs. And this is how they can be confident to move forward with my asset progression recommendations.

DON’T MISS THE CHANCE TO GROW YOUR WEALTH 
WHILE CREATING A SAFETY NET FOR YOUR FUTURE.

It could be a huge opportunity cost for your and your family. Why not find out more so that you can be sure of your available opportunities today!

Let’s discuss over a NON-OBLIGATORY & FREE sharing session!

Copyright © 2020 Carepital Pte Ltd. All rights reserved.

PropNex Realty Pte Ltd
480 Lorong 6 Toa Payoh, HDB HUB East Wing #10-01(S310480)
Mainline No.: (+65) 6820 8000 
CEA Licence No.: L3008022J

Charlie Chan XiangHua. PropNex Realty Pte Ltd. CEA Registration No.: R059570G

Phone No.: +65 9734 1794