Upgrade from your HDB flat

3 key questions you may ask

What is next after my MOP?

After fulfilling your MOP. What are the options available for you? Another BTO, EC or condo?

can i afford?

You may wonder whether are you able to upgrade comfortably with your current income.


After selling and buying your next home, how much cash will you have for raining days?

Play Video

Actual Case Study

Case Study 1

Hayati and spouse are 35 years old that year. They have fulfilled their HDB 5 years minimum occupancy period. They have plans to buy another HDB BTO flat again since their income is still within HDB income ceiling. They hesitate about their plan to purchase another HDB BTO flat when they see their friends profiting from the private property they owned. They decided to meet us and we explored their options. Ultimately, they decided to purchase an executive condominium instead after working out a detailed financial planning with them. After paying the booking fees they still have $100,000 in cash saving for raining days.

Case Study 2

Alvin and wife are both professionals in their mid-40s with children. They own an old HDB 5 room resale flat. They are very comfortable with their lifestyle and have no plans to move. However, they worry about the depreciating lease of their HDB flat that could have implication to their retirement nest. They also witness how their colleagues’ cash out from their matrimonial home and owned multiple properties instead. They are wondering if they are too conservative in their approach. Soon, we met up and we explore their options together. Today, they are the proud owners of 2 private properties. They are very comfortable serving the monthly installment for their current home. The other property has been rented out and the monthly expenses is fully covered by the monthly rental.

some may ask

what are the benefits of upgrading then?

property is a good hedge against inflation

Are you aware that property appreciate in value over time. The property your parents bought in the 1980s would be worth multiple time today. Similarly, the property you owned today would appreciate in value in the long term accordingly.

leverage your property

Leverage is using other people's money to make money for you.... In real estate, you pay 25% of your money to control 100% of a property. When you sell that property or generate monthly income on that property, you're making money on the full value of the investment and multiply your returns.

Money in Your Pocket

If you rent out your investment property, you will be able to receive rental income. Any money left after paying your expenses will be money in your pocket. Suppose you have a tenant whose rent is $2,500 a month and your monthly expenses is $2,000. Thus, that will leave you with $500 to go into your pocket each month.

During the meet up

we will share

We seek to understand your needs before sharing our proposals.

We will run thru a detail financial calculation to assess your financial status.

We will share where are the undervalued buys that most buyers ignored.

The benefits of leverage and how it help to increase your return.

How to build your wealth and retirement nest through property.

What are the risks involved and how to mitigate them.

Disclaimer. The above is only suitable for those that have strong stable income. We do not advocate upgrading for the sake of upgrading if clients do not have the financial means. We only encourage upgrading in a comfortable and sustainable manner. After all, we believe we need to sleep with a peace of mind when committing to any property.