But do you know I have helped a couple in their 30s upgrade from their initial HDB planning to a 3 bedroom condominium
+ 10 years of funds for monthly installment?
Income might not be a consideration, especially if you have done proper financial calculation!
And believe in me, I will NEVER allow my clients to have HEAVY monthly installments that is beyond their financial capability.
Let’s look at Mr Lee’s case. They believed they only have enough money to paid for a $650k HDB flat when they first contacted me.
However, I’ve shared my expertise with Mr and Mrs Lee that with the right strategy they could acquired a property with potential capital appreciation and having a better lifestyle without heavy financial burdens.
By going through in-depth planning and careful financial considerations, I helped them successfully purchase a $1.65m condominium with balance funds that can comfortably finance their apartment for 10 years without stress.
This is a genuine concern.
And while my objective is to help all owners to the best of my ability, there are still some cases which simply cannot be done with ease.
I will discourage my clients to proceed if upgrading is beyond their financial capability.
But do you know that many people simply assume that they cannot upgrade without first consulting a Real Estate Professional and missed the opportunity to do so.
My clients, Mr and Mrs Tan, both 55 years old with an income of $7k approached me with a simple inquiry.
They wanted to upgrade from a 2 room to a 3 room condominium apartment.
Before meeting me, they never knew that property can help them gain additional income which can help them have an easier retirement life.
Through the implementation of in-depth financial calculations and strategic plans, I was able to help them to become proud owners of a 3 room condominium apartment AND 1 room studio apartment with a balance of $200k cash.
Today, they are enjoying their bigger house while acquiring passive income through rental.
In depth financial calculation method with creative techniques to ensure stress-free installment. A SAFETY NET CPF Usage plan so that you don’t have to fork out cash for your monthly installments for Months or Years.
The 3 ways to analyse the available options in the property market and SPOT the most profitable choice that is suitable for you.
A far-sighted property “roadmap” that will allow you to be financially free.
Many clients assume that they can only afford a certain type or amount of property due to many concerns such as age, income, etc.
We do not want to have any regrets when we look back on our lives 5 to 10 years down the road.
But do you know that MORE THAN 90% of the clients I met, actually regretted missing their chance and wished they had met me earlier.
What started as an uptrend in 2018 was essentially the result of hungry developers trying to top up their land bank. They aggressively snap up record-breaking Enblocs. Many sellers were displaced with high liquidity, rushed in to buy the resale properties for their own stay. This ripple effect has caused our resale market bearish and picking up of resale transactions.
On Cooling Measures
Will the price continue to increase in 2019 and what will be the forecast?
With URA revised guideline, we can expect smaller sized units to be under pressure with some owners not able to cover their mortgage installment with collected rental due to the rising of bank interest rate. Thankfully not all homeowners are lost, the government wanted a stable & sustainable market, where home ownership is a key pillar of a strong society. Whether you are Upgrading or Rightsizing, I am committed to walk through this journey of Home Ownership with you and Be Ahead of the Market.