When Is A Good Time to Buy/Sell Your Property

Consider current market conditions as well as your personal and financial readiness

REAL ESTATE PLANNING
When you are buying a property as a home or investment, it requires in-depth financial planning

When you assess your finances, you can make smarter property decisions that prepare you for retirement.

DETAILED FINANCIAL ASSESSMENT

Assess Your Personal Financial Health​

To understand where you are financial now, a detailed assessment of your financial health check.

Find Out Your Property Affordability

Your affordability is affected by your maximum loan amount based on property value and several MAS requirements, total downpayment available and initial fees. 

Evaluate Options

Select the right private property based on your financial status, risk tolerance and lifestyle. 

Smart Financial Strategies

Review and improve your personal finances and money strategies so to ensure your short- and long-term financial objectives are on track.

Avoid depleting
your wealth

The longer period you used your CPF-OA fund to pay off a property, the lesser the cash return you will get back when you sell off the property.

Understand Accrued Interest

Interest will accrue on the amount of CPF-OA funds that you have used for your property. You are required to refund the accrued interest together with the CPF amount used when you sell your property. 

Right CPF Usage Strategy

The longer you hold on to your HDB using CPF-OA funds to repay your monthly mortgage, you may miss out on the potential gains. This will deplete your wealth and affect your retirement fund. 

Through a NON-OBLIGATORY consultation, you will have a detailed financial assessment to evaluate the possible options whether it is feasible to restructure and move your funds into a better performing asset.

Properties Owned
Citizenship

In comparison of owning 2 properties

The total cash top up of the 2 properties will be $3,465 (i.e. $1,029 + $2,436)

However, with the monthly rental of 1 bedroom condominium achieving $2,200, the cash top up will be $1,265 (i.e. $3,465 – $2,200). 

The cash top-up difference of having 1 property vs 2 properties is only $38 (i.e. $1,265 – $1,227) !

Restructure Asset
Portfolio

Review your net worth and asset portfolio can improve your personal finances and money strategies so to ensure your short- and long-term financial objectives are on track.

Generate Passive Income

Own 2 private properties with calculated risks, allow time for capital value appreciation

Expand Property Portfolio

Unlock an abundance of opportunity without unnecessary expenses

FREE CONSULTATION

Ask Me Anything

Properties Owned
Citizenship

What You Can Expect During Your Detailed Financial Assessment:

  • The understanding of CPF accrued interest and how it will affect your cash proceeds/profit.
     
  • How to get profit from your HDB/EC.
     
  • Knowing what you need to do if you prefer to stay with your unit to build up your retirement fund.

  • Evaluate the possible options whether it is feasible to restructure and move your funds if you decide to sell your unit after MOP into a better performing asset.
  • Understand where you are financially now and in the coming years before your retirement.

  • The understanding of CPF accrued interest and how it will affect your cash proceeds/profit.

  • Evaluate it is better to hold the unit or feasible to restructure and move your funds to better-performing assets.

  • Discover the options in today’s property market if it makes sense to multiply to 2 properties with calculated risks.

  • Understand the stamp duties and choices of ownership to minimize the taxes in a legal way.
  • An analysis of your entire property portfolio to see the efficiency of their performance in terms of their values.
     
  • Evaluate options and any feasibility to restructure and move your funds to maximize the potential gains.

  • Assess the risk diversification of your property mix and whether you achieve the maximum return of your equity (ROE). 

  • Possible consolidation of your assets to restructure your portfolio for the maximum gains 
  • Understand Singapore property market trends and how you can invest.

  • Understanding the relationship between stamp duties and ownerships.

  • How you can take on Singapore loan by pledging or show funds to get the best advantage of leverage.