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is hdb an asset or liability

If you have bought your HDB before 2013,

This is the Starting Point where your property become an Asset and not Liability.

Before I met Mr & Mrs Ong, they own a HDB at 3rd storey.I showed them a strategy that they can actually increase their Household Income without any Extra Cash.
Also, with the rental income from 2nd property coming in monthly, their household income automatically increases.
Today, Mr & Mrs Ong own 2 properties still have reserve fund kept aside for rainy days after this process.
Dear HDB Owners,are you keen to find out if you are able to own a 2nd property just like Mr & Mrs Ong?

YOU CAN DO IT WITH THE RIGHT KNOWLEDGE

Hi, I’m Alicia,

if you owned your HDB flat for

more than 5 years and have a

combined income of $6k or more,

I believe I can help you.

 

Arrange for a free discussion with me!

Let me share with you more so that you can walk slower in life in your 50s-60s

Do you want to give you & your family the lifestyle you always wanted?


TAKE ACTION NOW FOR A FINANCIALLY FREE FUTURE

Let's meet up for a completely FREE and NON-OBLIGATORY sharing session TODAY..

**Do not wait till you fully paid up your HDB and then decide to buy another one!**

I met a lot of owners, after spending 20 – 30 years of their lives working hard to pay up for one property.

This is the most Common and most Regrettable Mistake one can make in life. Let me share with you how you can take advantage of your age today.

I have plenty of clients earning from $6k to $8k, after utilizing my Personalized Step-By-Step Assets Progression Strategy, they have successfully upgraded their property.

Here’s a short summary of what you can expect during our meet up

1. How to increase your Household Income as a HDB Owner

2. How restructuring your real estate portfolio is important now

3. How to not compromise your family lifestyle while planning a better future

4. How to see your Calculated Risk and Potential Upside

5. How you can move to a better environment without touching your saving

With A HDB, My Clients Have

  • Upgraded to a condo and their lifestyle was improved too.

  • Own 2 properties and getting monthly passive income.

 

  • Created a pool of reserve funds.

hdb happy couple

Let’s Take A Look At This Example

property a and b

Using this STRATEGY, Aaron is able to UPGRADE to a private property and own another. He stays in Property B and rents out Property A.

By renting out Property A, Aaron is also able to generate EXTRA INCOME.

YOU CAN DO IT LIKE AARON

Let’s look at Edward and Bella.

Edward and Bella, both 35 years old, were owners of a 4 room HDB flat. Their plan was to pay fully for their property.

But after doing detailed calculations & explaining different options to them, they had learnt better way of managing their money.

They have since upgraded to a Condominium without touching any of their savings, and even have a CASH reserve, with my meticulous calculations & conservative planning.

couple living condo

You May Be Thinking That, You Have Almost Fully Paid Off Your HDB, 
Why Should You Upgrade?

YOUR WEALTH IS BEING EATEN AWAY MONTH AFTER MONTH WHEN MORE & MORE OF YOUR CPF IS BEING LOCKED IN YOUR HDB

With most or all of your CPF channelled into your HDB flat, you lose

  • The 2.5% interest you could have earned if you had left it inside CPF

  • The accrued interest of 2.5% be returned to CPF when you sell eventually

That is total of 5% TAKEN AWAY from you, year after year.

For example, if $250,000 worth of CPF funds is used to pay for your HDB, at the end of 5 years, you lose $32,850 in interest earnings at the end of 5 years.

Selling your HDB at the end of 5 years, you would need to return $282,850 to CPF, which is $32,850 less cash from the sales proceed of your property.

In Total, Your Loss = $65,700!!

hdb couple

DID I MENTIONED THE 2.6% INTEREST YOU PAY EVERY YEAR FOR YOUR HDB LOAN?

So how can you escape from this TIME BOMB? Let’s meet up for a non- obligatory session with me to find out!

YOU CAN INCREASE YOUR ASSETS PROGRESSION

Do you want to give you & your family the lifestyle you always wanted?


TAKE ACTION NOW FOR A FINANCIALLY FREE FUTURE

Let's meet up for a completely FREE and NON-OBLIGATORY sharing session TODAY..

During The FREE Sharing Session, I Would Also Give You :

 

  • 3 ways to analyse the available options in the property market and determine the best choice that is SAFEST for you

  • A 4-step financial calculation process, including additional costs like legal fees, cash outlay, stamp duty, etc.

  • A far-sighted “roadmap” that will allow you to retire comfortably

  • Upgrade your living space and lifestyle, restructure your existing property portfolio.

  • How you can gain extra income from your property.

  • How you can increase your property assets progression.

GIVE YOUR FAMILY THE LUXURIOUS LIVING.

making money through property
alicia koo propnex

Hi, I am Alicia Koo,

I’m a real estate agent with nearly 5 years of experience. With my knowledge and experience, many friends/clients had benefitted who engaged my services.

Regardless you are an experienced investors, first time buyers or foreigners, i will be able to assist you to choose the “RIGHT” property in Singapore.

I am also equipped with the knowledge of investing in overseas properties and have helped many client not only to own private properties but also diversify their property portfolio.

Contact me for a FREE CONSULTATION on to how you can proceed with your asset progression plan OR just want to find out more.

Disclaimer : The case studies are for educational use only and we make no representation or warranties with respect to the accuracy, applicability, or completeness of its contents. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential, and thus are not guarantees or promises for actual performance. As required by law, we can make no guarantees that you will achieve any results. Results will vary from case to case.

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